Investor Presentaiton

Net interest margin Quarterly NIM by key legal entity Strategy 2023 results Appendix Key rates (quarter averages), bps Source: Bloomberg * At 31 July 2023 % of 2023 2022 3022 4022 1023 2023 % of 2023 Group NII Group AIEA The Hongkong and Shanghai Banking Corporation (HBAP)* HSBC Bank plc 1.32% 1.66% 1.94% 1.83% 1.83% 45% 43% 499 512 507 500 452 445 392 400 385 368 303 283 219 0.57% 0.44% 0.50% 0.59% 0.60% 8% 22% 164 162 HSBC UK Bank plc (UK RFB) 1.77% 1.99% 2.19% 2.33% 2.49% 27% 19% 95 77 31 HSBC North America Holdings, Inc 1.05% 1.16% 1.16% 1.15% 1.01% 5% 8% 2022 3Q22 4022 1Q23 2023 3Q23 QTD* *In 1H23, c.60% of the interest expense relating to the central costs of trading income was booked in HBAP 1M HIBOR Fed effective rate BoE Bank rate 25

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