HSBC Investor Day Presentation Deck

◆ Multi-year strategy delivering long-term business benefits Providing the next generation of banking products and services for customers Built around modernising our technology architecture and operating model Aligned to the bank's four strategic pillars, the businesses, functions and regional strategies Executing on our multi-year technology strategy to help ensure we are fit for the future Speed Scale KN Resilience X People Improving our time to market and staying ahead of the competition Build products once and rapidly scale Make our services more secure, better for the environment and more available Intro Have the right people in the right places CMB WPB COO Risk Finance Migrating from multiple mortgage platforms to one core platform Enhancing ways of working to accelerate delivery for technology solutions, delivering more capabilities and features to our customers from the same capacity Demising legacy applications that have a high cost of ownership and are cumbersome to maintain Primary onboarding channel for small medium enterprise is Kinetic (iOS rating of 4.8), with >37k new to bank customers onboarded at 31 May 2022 Migrating key customer and staff channels to the cloud, enabling us to rapidly implement new capabilities and features, and to accommodate increased volumes Improved standards for resilience across application, data and infrastructure; applications such as trade finance are being uplifted to these standards Migration of our digitally active retail customers onto a more secure and resilient digital security platform; with a simpler and faster logon process Strengthening global collaboration by migrating 216,000 colleagues across the Group onto Microsoft 365 and Teams Building an engaged and committed technology team across the globe, as well locally in the UK; including a huge uplift to our graduate programme 48

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