HSBC Investor Day Presentation Deck

Mobile active¹ % of customers using mobile in last 30 days +4ppts 48% 1. 2. 2020 Digital: Strong adoption, driven through mobile with a robust platform established Sales penetration³ % of sales undertaken digitally +5ppts r 73% 52% 2020 2021 78% 2021 Mobile NPS² Personal loans Credit cards 53 Current accounts 2020 +5pts Product penetration comparison4 2021 58 December 2021 vs. December 2020. HSBC 30 day mobile users as a % of overall HSBC active customer base Full year mobile NPS 2021 vs. full year mobile NPS 2020 2021 72% 2020 98% 96% 83% 98% 90% Intro Including: CMB Closed servicing and acquisition gaps 2.0 3. 4. Balance transfers View PIN Activate card Create standing order, manage bills International payments ما WPB COO Instalment lending Mobile DIP New propositions and capabilities delivered to support growth Digital Security Platform Banking 2.0 Buy funds Risk Dispute transactions Transaction notifications Finance Digital savings Loan closures Increased mobile payment limits Significantly improved and simplified access Faster, more responsive and more accessible desktop banking Breakdown card purchases into monthly payments Responsive mortgage decision and onward application flows Start investing in-app from as little as £50 December 2021 vs. December 2020. HSBC retail sales as a % of all sales. Excluding general insurance FY21 vs. FY20. HSBC Retail sales as a % of all sales for specific product types 38

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