Investor Presentaiton

Digital Business Our Strategy Asia Wealth Financials Services Opening up a world of opportunity Investing to digitise, automate and innovate Accelerating investments in technology Technology spend, $bn 5.5 5.3 4.7 Investments HP 2018 2019 2020 BAU Investing and digitising at scale Delivering excellent customer experience throughout our network ◆ Drive straight through processing with a target for 99% of payments to be processed with 'no-touch'46 >100 key partnerships across the globe established to support innovation - e.g. Google, Amazon, Apple, Microsoft, Alibaba as well as many smaller FinTechs Building platforms for higher front end productivity ◆ Data analytics and visualisation tools to provide our front-line staff key insight ◆ Launch Digital Credit Portal which, through automation, the time-to-decision for judgmental lending will reduce from 25 to 5 days (going live in Hong Kong in 2021) Automating our middle and back office ♦ Integrating machine learning to improve the performance of analytics >725 automation solutions deployed processing more than 21.5m transactions in 2020 2022 Building solutions to free up office footprint Moving to an agile way-of-working and driving efficiencies to reduce headcount 36

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