HSBC Investor Day Presentation Deck

Across UK high street banks, HSBC UK... ...has the highest proportion of Millennial & Gen Z customers¹ WPB UK has a commercially attractive customer base Millennial & Gen Z Monzo HSBC Royal Bank of Scotland Lloyds TSB Barclays Nationwide NatWest Bank of Scotland Halifax Santander UK first direct Co-operative Bank Source: AlphaWise; Morgan Stanley Research Gen X 1. UK: Generation distribution by primary bank account 2. UK: Income distribution by primary bank account Boomers ...has the highest % of customers whose account is their primary account NatWest % of customers who don't use the bank account where their salary gets paid as their primary account Nationwide Santander UK Barclays Halifax Lloyds HSBC 1% Intro 1% 0.11% 2% CMB 4% 4% 6% WPB >£100k COO ...has the most affluent customer base² £75k-£100k HSBC first direct Royal Bank of Scotland Barclays Halifax Lloyds NatWest Nationwide TSB Monzo Bank of Scotland Co-operative Bank Santander UK Risk Finance £45k-£75k <£45k 32

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