Investor Presentaiton

HSBC France - financial overview (1) (1) (2) EURM 2007 2006 Variance Net operating income before loan impairment charges Loan impairment charges 2 924 -52 2 642 10,7% -10 ns(2) Net operating income 2 872 2 632 9,1% Operating expenses -2 033 -1 834 10,9% Profit before tax 905 817 10,8% Cost Efficiency ratio Tier one ratio 69,5% 8,86% 69,4% 9,87% In this presentation, figures comprise the results of the HSBC France group together with HSBC Bank plc Paris branch (excluding intergroup funding costs) less intergroup capital gains. Loan impairment charges (EURM): Global Banking and Markets: Commercial Banking: Personal Financial Services : Private Banking: 2007 2006 6 13 -33 -25 -22 -4 -3 6 ♡~♡ HSBC ☑ 4

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