Investor Presentaiton

Relationship-led Personal Lending We have the capacity to take more credit risk in RBWM and the business is showing signs of volume growth. Principal RBWM lending balances and sales volume growth Personal lending balances1 (USD) +3% Actions to date ■ Global analytics capability improving the identification of customer needs ☐ New triggers enabling targeted offers to individual customers Expansion of sales channels supported by increased investment in marketing, improving new-to-bank customer acquisition Consistently implemented global segmentation capability, strengthening pricing and profitability discipline Integrated risk approach enhancing risk adjusted returns Sales volumes² 1Q14 2Q14 3Q14 4Q14 1Q15 Cards +29% Loans Mortgages +27% +10% 1Q14 1Q15 1Q14 1Q15 1Q14 1Q15 Next steps ☐ Investing further in analytics, including digital targeting and real- time offer capability Deploying digital utilities (e-signature, document upload) to simplify the customer experience and enable straight through processing Focusing on innovation, including new mobile sales and service capabilities, and strategic partnerships with new payment providers Leveraging the Group's connectivity to deliver international mortgages and global consumer offers 1. Principal RBWM financial data presented on an "adjusted" basis with comparatives translated at Mar 2015 exchange rate. Excludes temporary impact of IPO Loans at 1Q15 in Hong Kong (4% growth including this) 2. Cards: Number of new cards issued; Loans & Mortgages: Value of total drawdowns in USD 11

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