Investor Presentaiton

Footnotes Strategy 4022 results Appendix 1. Source: Coalition Greenwich Competitor Analytics. Based on HSBC's internal business structure and internal revenue numbers. Global Trade Finance rank at 1H22 and based on the following peer group: BAC, BARC, BNPP, CITI, DB, JPM, SG, SCB, WF; Global Foreign Exchange rank at 3Q22 YTD and based on the following peer group: BAC, BARC, BNPP, CITI, CS, DB, GS, JPM, MS, SG, UBS In respect of FY22 23 4. 5. 6. Client business differs from reported revenue as it relates to certain client specific income, and excludes certain products (including Principal Investments, GBM "other" and asset management), Group allocations, recoveries and other non-client related and portfolio level revenue. It also excludes Hang Seng. GBM client business includes an estimation of client-specific day one trade specific revenue from MSS products, which excludes ongoing mark-to-market revenue and portfolio level revenue such as hedging. Cross-border client business represents the income earned from a client's entity domiciled in a different geography than where the client group's global relationship is managed. 'Booking location' represents the geography of the client's entity or transaction booking location where this is different from where the client group's global relationship is managed. Cross-border client business represents the income earned from a client's entity domiciled in a different geography than where the client group's global relationship is managed WPB international customers comprises customers who are either multi-country, non-resident or resident foreigners within International markets in the UK, Hong Kong, Canada, the US, India, Singapore, Malaysia, UAE, Australia, mainland China and CIIOM. Multi-country are those customers who bank in more than one market; Non-Resident customers are those whose address is different from market; Resident Foreigners are customers whose nationality, or country of birth for non-resident Indians and overseas Chinese is different to market we bank them in. Note, customers may be counted more than once when banked in multiple countries. Total WPB clients of c.38m Based on 10 markets (Hong Kong excl. Hang Seng, mainland China, the UK, UAE, Malaysia, India, Singapore, Australia, Channel Islands and Isle of Man and the US), based on 9M22 data GFX in GBM management view of income and GFX in CMB from cross sale of FX to CMB clients includes within 'Markets products, Insurance and Investments and Other'. GFX includes our emerging markets business 7. Wholesale transaction banking includes GPS, GTRF, FX and Securities Services 781 Cumulative RWA saves under our transformation programs includes $9.6bn of accelerated saves made over 4Q19 10. 4th largest health insurer based on gross premiums. GIAS data as of September 2022 23. Trade association UK. Data as of 30 September 2022 24. Bank of England. Data as of 31 December 2022 25. Legal entity basis. HSBC Mexico 26. Comision Nacional Bancaria y de Valores. Data as of 30 November 2022 27. Through Employee Banking Solutions, primarily payroll lending proposition 28. Global business cost excludes technology spend 29. Technology costs in operating expenses trends include transformation saves and are presented on a net basis Operations cost within DBS 30. 31. Includes Global Functions, centrally managed costs and other DBS 32. Operations personnel within DBS 33. 34. Primarily comprises the assets relating to the planned sale of our retail banking operations in France and our banking business in Canada reported on the Group balance sheet under "assets held for sale" Hong Kong Insurance Authority Statistics. Includes Hang Seng. 2022 data as of 30 September 2022 35. Unless otherwise stated, regulatory capital ratios and requirements are based on the transitional arrangements of the Capital Requirements Regulation in force at the time. These include the regulatory transitional arrangements for IFRS 9 'Financial Instruments'. The leverage ratio is calculated using the end point definition of capital and the IFRS 9 regulatory transitional arrangements, in line with the UK leverage rules that were implemented on 1 January 2022, and excludes central bank claims. Comparatives for 2021 are reported based on the disclosure rules in force at that time, and include claims on central banks. References to EU regulations and directives (including technical standards) should, as applicable, be read as references to the UK's version of such regulation and/or directive, as onshored into UK law under the European Union (Withdrawal) Act 2018, and subsequently amended under UK law 36. Reported ROTE is computed by adjusting annualised reported results for PVIF and for impairment of goodwill and other intangible assets (net of tax), divided by average reported equity adjusted for goodwill, intangibles and PVIF for the period 37. Revenue from the sale of Global Markets products to WPB customers Revenue from the sale of Global Markets and Global Banking products to CMB customers Amount of Software Releases for a Notional team of 10 People on a bank wide basis. Stats are November 2021 and November 2022 38. 8. 39. West refers to Americas and Europe. East refers to Asia and the Middle East 9. Based on tangible equity ('TE') of the Group's major legal entities excluding associates, holding companies and consolidation adjustments 40. 41. % of the Group's technology services that are on the private or public cloud 12. Hong Kong Monetary Authority system deposits. Data as of 30 November 2022 43. 13. Hong Kong Insurance Authority Statistics. Market shares and ranking based on ANP, HSBC Life Hong Kong and Hang Seng Insurance combined. Data as of 30 September 2022 44. Total number of digital sales (# units) as a percentage of the total WPB sales (# units) across retail % of CMB customers who are active on Internet Banking Channels in the last 3 months 45. Euromoney Trade Finance Survey, 2022 11. Data at 31 December 2022. AUM source: Association of Mutual Funds in India (Average AUM) 42. % of WPB customers who have logged into a HSBC Mobile App at least once in the last 30 days 14. 15. HSBC internal analysis on 2021 annual reports of foreign banks operating in mainland China (Citi, Bank of East Asia, Siam Commercial Bank, Deutsche Bank, DBS, United Overseas Bank, OCBC, Agricultural Bank of China) 16. Asia adjusted PBT of $14,334m excl. Hong Kong adjusted PBT of $6,761m and mainland China adjusted PBT of $3,395m 17. Excludes Global Service Centres 18. HSBC internal analysis, based on internal MI compared with data from the Ministry of Commerce. Data as of 30 November 2022 19. HSBC internal analysis, based on internal MI compared with RBI FX Market Turnover Data. Data as of 31 December 2022 20. Includes: Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam 21. Corporate Treasury Awards, 2022. Countries include Indonesia, Malaysia, Philippines, Singapore and Thailand 22. Dealogic, as of December 2022 Refers to employee Snapshot survey response to the question 'The work processes in this organisation allow employees to work efficiently'; the global FS benchmark includes data from a number of financial organisations and is calculated based on a rolling two-year average 46. Includes all Group General Managers, as well as roles meeting the following criteria: critical in delivery of business strategy; regulator identified as critical; responsible for largest growth opportunities; significant impact on risk position of the Group; responsible for enterprise wide transformational change programmes; significant barriers to entry into the role Refers to employee Snapshot survey response to the question 'I feel confident about this company's future' Employee engagement index represents the average % of respondents who would recommend HSBC as a great place to work, are proud to say they work for HSBC and feel valued at HSBC 47. 48. 49. Total learning hours as recorded in Degreed (Learning Experience Platform) in terms of individual learning content consumption across content items that are tagged with Sustainability, Digital or Data skills 63 33