HSBC Investor Event Presentation Deck

Competitive environment FY22 revenue FY18-FY22 revenue CAGR Retail PBT as a % of total 56% 1. HSBC¹ Local peer 1 Local peer 2 Local peer 3 Local peer 4 $1.3bn $3.5bn $7.1bn $9.7bn $14.3bn 13% 10% Prepared on Indian GAAP, for the 12 months ended 31 December 2022 ◆ FY22 revenue converted using average USD:INR rate of 78.76 $1.5bn <5% 31% 9% 20% 14% HSBC India IFRS key financial metrics by global business Revenue, $bn PBT2, $bn WPB CMB GBM 29% 16% 44% 65% Annual revenue CAGR for 12 month periods ending 31 December Local competitors are bank-only results, including foreign branches 3% $0.9bn 16% 32% 14% Legal entity view; excludes Investment Banking, Asset Management and GSC/HTI entities. Revenue CAGR is at constant currency 2. 3. Indian bank impairments (GNPA, %)³ For financial years ending 31 March 15 10 5 0 2013 Indian currency crisis 2014 2015 2016 HSBC Indian NPA crisis Foreign banks 2017 2018 2019 2020 2021 Private sector India Covid-19 Calculation excludes Corporate Centre. Corporate Centre had negative reported PBT of $24m in 2022 Gross Non Performing Assets. Source: RBI Time Series Publication on non-performing assets 7.28 Public sector 3.84 2.90 0.78 2022 18

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