HSBC Investor Day Presentation Deck

2021 1.6 FX opportunity and Global Money proposition HSBC has strong international customer market share but relatively low FX penetration Customer expectations have increased with neo-challenger banks offering 'fee-free' payments and card use abroad International: Connecting customers and geographies as the UK's international bank of choice UK WPB international customers by status, millions 0.4 0.3 2.3 Estimated UK annual cross border remittance market of £65bn² + Intro Non-UK national Multi-country Non-resident ◆ CMB 1. Market share analysis based on our active international customers as % of the United Nations data international migrant stock 2020 2. The Migration Observatory; May 2020 (Oxford University). For debit card spend outside of the UK, 2021 data from UK Finance to July, with +. 'One account opening up a world of opportunities' Send, spend and convert money in multiple currencies anywhere in the world Instant global transfers across worldwide HSBC accounts WPB International ambitions COO 'Fast and easy payments around the world' Send money to over 200 countries across >65 currencies Hold up to 18 currencies Keen pricing & up-to-date exchange rates Strong starting base, with c.25% of International customers banking with HSBC UK in 20211 We aim to significantly grow our International customer base and proportion of International customer revenue (+). Risk X 3:00 Finance Access the world with one account The Global Money Account is the convenient w to send, convert and hold money in multiple currencies. Next Leam mare HSBC UK Global Money Debil 11 VISA 'Spend like a local' Physical and virtual debit card Unlimited fee-free spend abroad, with no hidden fees Unlimited fee-free ATM withdrawals average of 2020 Jan to June data used to populate 2021 August to December. For other remittances, data from The Migration Observatory from 2018 with an internally assumed uplift of c.6% for 2021 remittances 37

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