HSBC Investor Day Presentation Deck

Consolidated balance sheet, £bn Other Financial / investments Cash and central bank reserves Net customer loans FY21 balance sheet strength: A simple, diversified, low-risk balance sheet 1. 346 24 14 112 196 Assets 346 18 12 10] 282 24 Liabilities Other TFSME Subordinated liabilities Customer accounts Equity Net customer loans, £bn Breakdown of customer loans and deposits 65 13 55 £196bn Customer deposits, £bn 48 £282bn 118 101 Intro CMB 78 Mortgages Other personal lending Corporate and commercial WPB current accounts WPB savings accounts CMB non-interest bearing current accounts WPB CMB interest bearing current accounts COO Key metrics Firm A Firm E Liquidity coverage ratio Net stable funding ratio Advances to deposits ratio Liquidity pool FY21 average deposit costs ¹ Firm B Firm D Risk Firm C HSBC UK FY21 0.12% 241% 165% 178% 150% 69% 85% £121bn £57bn 0.09% 0.08% 0.06% Finance FY19 0.26% 0.22% Source: Company reports. Peer group includes mainstream high street competitors of: Lloyds Banking Group, NatWest Group, Barclays UK, Nationwide Building Society and Santander UK. Average deposit costs = interest expense on customer deposits divided by average customer deposit balances 66

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