HSBC Investor Day Presentation Deck

Our vision Digitise at scale: Building towards our digital vision 1 ܀ ܡܢܐ Key enablers Digital-first A smart bank in your pocket; personalised, Al driven, with seamlessly integrated ecosystems Mobile-based Wealth offering, with investment normalised as part of everyday banking Simple digital experiences, with Kinetic & Digital Business Banking for SMEs and HSBCnet for larger, internationally focused, corporates Innovative wholesale client solutions, built around the commercialisation of open banking and banking as a service 2 Intro Pa Ο Ο CMB Human touch when it matters Modern physical network, with fewer, digitally-enabled branches that are centres for advice Highly trained and digitally-enabled colleagues to provide future Wealth advice Enhanced contact points, with chatbots to support simple queries and people for more complex needs Digitally-enabled relationship managers that are digitally integrated with clients and equipped with the data & analytic capabilities to provide greater insight & proactive support 3 WPB COO Risk Key customer journeys optimised and automated front-to-back Simplifying our business for our customers and colleagues Finance Frictionless journeys with necessary safeguards Simplified technology estate that is flexible and resilient Robust KYC, AML and fraud security processes embedded as seamlessly as possible 14

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