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
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