HSBC Results Presentation Deck

Guidance summary Costs Adjusted costs Cost saves ECL Effective Tax Rate Lending RWAS CET1 CTA ROTE Capital return FY21 $32.1bn $2.2bn $1.8bn $0.9bn 22% $1,046bn $838bn 15.8% 8.3% DPS of $0.25; up to $2bn buyback announced at 3021; intend to initiate further $1bn buyback Strategy Guidance 4021 results Stable adjusted costs over FY22; 0-2% cost inflation over FY2323; bank levy expected to be c.$300m p.a. Expect >$2bn of cost saves in FY22; expect total programme saves of at least $5.5bn by FY22; expect at least $0.5bn of further cost saves in FY23 c.$3.4bn of CTA spend over FY22; no CTA thereafter Expect ECL to normalise towards 30bps of average loans in FY2237 Medium-term planning rate of 19 - 20% Appendix Mid-single digit growth in FY22 Mid-single digit growth in FY22 Intend to normalise to c.14.0 14.5% range in FY22, and manage within range over medium-term; manage range down further long term At least 10% for FY23, if policy rates were to follow the current implied market consensus Sustainable dividend payout ratio range of 40 - 55%, supplemented by additional distributions if appropriate; no current intention to pay quarterly dividends during 2022; regulatory dividend accrual of 55% of reported EPS, in line with PRA guidance and not to be interpreted as signalling 22

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