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Investor Presentaiton

Non-NII Group non-NII, $bn Constant currency non-NII: 5.3 11.4 7.4 Notable items and FX: (0.5) 3.7 (0.2) Offset from central costs of 0.3 1.4 2.4* funding trading income: 0.5 0.4 Global Payments Solutions 0.5 0.6 Global Trade and Receivables Finance 0.4 1.6 0.4 Wealth 1.3 1.6 2.4 Markets and Securities Services 2.3 1.6 Product splits are shown on a reported FX basis 1.3 Other 1.0 1.1 2022 1Q23 2Q23 vs. 2022 +39% Strategy 2023 results Appendix Constant currency non-NII up $2.1bn (39%) vs. 2Q22, primarily due to the offset into non-NII from the central costs of funding GBM trading activity ◆ Strong Wealth performance, up $0.3bn (19%) primarily due to a $0.2bn increase in life insurance income in Hong Kong ◆ MSS down $0.6bn due to lower client activity and a change in methodology for the central costs of funding trading income in 2023 which reduced non-NII by $0.4bn* Other up $0.1bn including FX gains in Corporate Centre ◆ Fees up $0.1bn (3%), primarily in Personal Banking and CMB * 2Q23 includes $0.4bn reflecting the year-to-date impact of methodology changes Other includes WPB Personal Banking, WPB Other, CMB Credit & Lending, CMB Other, GBM Banking (ex. GPS and GTRF), GBM Other and Corporate Centre (ex. offset from central costs of funding trading income) 14
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