Investor Presentaiton

HSBC France External credit ratings Long term senior ratings as at 30 June 18 Fitch Rating Moody's Outlook Rating S&P Outlook Rating Outlook AA- Stable A2 Stable A Stable HSBC Holdings plc HSBC Bank plc HSBC France HSBC SFH (France) AA- Stable Aa3 Stable AA- Stable AA- Stable Aa3 Stable AA- Stable Aaa Stable AAA Stable ■ HSBC France has strong ratings with a stable outlook from all three main rating agencies ■ HSBC France is perceived by all the main rating agencies as a core strategic subsidiary of HSBC Group In September 2017, Moody's upgraded HSBC France from A2 to Aa3 " HSBC France has AA- Rating from S&P since 2011 and from Fitch since 2012 20 20

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