HSBC Investor Day Presentation Deck

Strong retail mortgage portfolio vs. competitors FY21 average LTVs¹ Portfolio New business Stock balance % of total mortgage portfolio FY21 proportion of buy-to-let² HSBC UK 123 HSBC UK Firm A 2. 3. 51% 67% 3% £3bn £42bn Source: FY21 company reports. Firm A at 30 September 2021 Source: Company reports Source: process benchmarking limited 53% 21% 70% Firm B 54% 9% 66% Firm A Firm B Firm C Firm D £18bn £21bn Firm C 13% 51% 70% £51bn Intro 17% CMB WPB COO Mortgages over 3 months in arrears³, % Risk HSBC UK Finance 0.8 0.7 0.6 0.5 0.4 0.3 0.2 0.1 0.0 Jan-18 Jul-18 Jan-19 Jul-19 Jan-20 Jul-20 Jan-21 Jul-21 Jan-22 0.7% 0.4% Peer group average HSBC UK delinquency rates are lower than peer averages Limited exposure to interest rate rises: Mortgages on a standard variable rate of £2.9bn; less than 3% of the book 80% of the book is on fixed rates Opportunity to safely grow BTL proposition 55

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