HSBC Investor Day Presentation Deck

Risk: Commercial real estate (CRE) in focus Total CRE¹ allowances for ECL by stage, £m Stage 1 Stage 2 Stage 3 Total Real estate Accommodation and food Total 1. 1Q22 48 66 145 259 1Q22 166 93 FY21 Total CRE¹ allowances for ECL by sub-sectors, £m 259 78 133 172 383 FY21 206 177 383 FY20 CRE is comprised of the 'real estate' and 'accommodation and food' sectors 76 191 211 478 FY20 229 249 FY19 478 29 40 124 193 FY19 144 49 193 1022 vs. FY19 19 26 21 66 1022 vs. FY19 22 44 66 Appendix ECL In 2020 and 2021, modelled provisions were supplemented with judgmental overlays in anticipation of elevated defaults on conclusion of Government support ◆ Substantially all of the remaining Covid-19 reserves were released in 1Q22 as the economy began to normalise Hotels ◆ London represents c.60% of the Hotels portfolio by limit Good credit metrics: 62% of cases have LTV under 55%. Valuations have mostly held up 76

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