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Investor Presentaiton

Transformation journey Strategy 4Q22 results Building platform for growth: ...while investing in technology to scale-up our digital propositions and launch new propositions Growth in technology spend 29 Scaling up our digital propositions Launched new propositions $bn, P&L basis +19% 6.1 5.6 5.3 5.1 2019 2020 2021 Tech spend % of total Group adjusted operating expenses29 2022 16% 17% 19% 20% Appendix Mobile X; global multi-market mobile platform Present in 24 markets with around 13m active customers HSBC Orion Launched proprietary tokenisation platform to issue digital bonds based on distributed ledger technology HSBC Kinetic; digital business banking mobile channel for SMEs in the UK Now with c.53k customers International Credit Launched in Singapore: customers can gain access to credit in a new country based on credit history in home country Global Wallet; cloud enabled digital wallet Now in six markets (UK, SG, MY, US, HK, CA) and transaction turnover of over $3bn Embedded Banking Launched an industry-leading native bank account service with Oracle Netsuite Enterprise Resource Planning Global Money; multi-market mobile proposition to manage, spend, send and receive in major currencies Live in eight markets and enabled for 19 currencies Pentagreen Launched a sustainable infrastructure debt financing platform, in a joint venture with Temasek, based in South East Asia 11
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