HSBC Investor Day Presentation Deck
Gross unsecured balances, £bn
Credit cards
7.3
1.
Unsecured lending: Resilient performance with new proposition development
2018
8.2
7.4
2018
2019
Other unsecured personal lending
8.8
(17)%
2019
(12)%
5.9
FY21. Source: UK Finance. Card spend excludes Private Bank
2020
7.7
2020
+3%
(6)%
6.0
2021
7.2
Intro
2021
CMB
WPB
COO
Closing gaps to best-in-
class capabilities and
services within our
traditional unsecured
products
Risk
Unsecured lending market share impacted by deleveraging during Covid-19
Unsecured lending balances materially decreased during periods of restrictions in 2020 and
2021, as customers paid down their balances by utilising higher household savings
Lower limit usage for overdrafts as customers continue to utilise less of their available
limit during the current external environment
18.3% market share of credit card spend¹; 10.4% market share of credit card balances¹
Delivering a Point of Sale
solution to meet the
needs of emerging
payment trends,
particularly for younger
customers
Finance
Significant opportunities to grow balances, revenue and market share
ук
Za
HDi
Exploring opportunities
through growth of the
electric vehicle market
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