Investor Presentaiton

Asia: 2012 Results Highlights Key Priorities Growth • Simplifying and restructuring the business Progress/Achievements • Underlying revenue growth of 13% in Hong Kong, 1% in ROAP • RBWM underlying PBT growth of 16% in Hong Kong, 17% in ROAP . • CMB underlying PBT growth of 26% in Hong Kong, 12% in ROAP GBM underlying PBT growth of 14% in Hong Kong, 11% in RoAP Gross loans and advances to customers increased 10% in Hong Kong, 9% in ROAP Addressing fragmentation: six filters • Over US$4bn net gains recognised since May 2011 following 8 strategic disposals • 2013: Ping An stake sale completed Improving organisational efficiency • Sustainable annual saves of c. USD 390m in 2012 • Financial results . Note: 1 Includes disposal gains JAWS: +14% reported, +11% underlying in Hong Kong, +27% reported, -2% underlying in ROAP • Reduction of 7.3k FTE (6%) to 112.8k since May 11 • • Hong Kong reported PBT increased 30% to USD 7.6bn ROAP reported PBT increased 40% to USD 10.4bn RORWA¹ of 7.0% for Hong Kong and 3.5% for ROAP 8

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