HSBC Investor Day Presentation Deck

FY21 financial performance £m Net interest income Non interest income Revenue ECL Costs Adjusted PBT Significant items Reported PBT £bn Customer loans Customer deposits RWAS FY21 1,858 890 2,748 550 (1,174) 2,124 4 2,128 FY21 63.8 103.4 56.9 FY20 1,871 750 2,621 (1,272) (1,196) 153 (40) 113 FY20 66.9 99.4 58.4 A (1)% 19% 5% >100% 2% >100% >100% >100% A (5)% 4% 2% Intro CMB WPB COO Risk Finance Revenue up 5% vs. FY20, despite significant headwinds Non interest income growth driven by strong capital financing fees ECL net release of £0.6bn reflecting an improvement in economic conditions relative to FY20 Costs down 2%, due to lower staff costs and control on discretionary spend Lending down 5% from subdued demand for non-Covid loans and roll-off of government-backed lending, partly offset by increased Trade Finance assets (up 46%) due to the improving trading environment Deposits up 4% as customers built and retained liquidity ◆ RWAs down 2%, largely driven by improvements in asset quality. and saves from management actions 21

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