Investor Presentaiton

Adjusted revenue performance Revenue by global business, $m Strategy 4Q22 results Appendix Net fee income by global business, $m +38%* (11)% 15,352 (6)% 516 (55) 2,920 2,766 1,587 2,604 Growth since 4021 11,090 2,214 7,159 1,282 1,264 WPB 1,143 (11)% WPB 4,945 CMB CMB GBM 4,689 GBM 853 903 863 1% 3,102 Corporate Corporate Centre Centre 3,179 3,695 791 621 610 (23)% (136) 4Q21 (191) (6) (22) (12) WPB CMB GBM Corporate Centre 4Q22 4Q21 3022 4022 WPB up $2.2bn (45%). Personal Banking up $2.1bn (72%) primarily due to higher interest rates and balance sheet growth in most regions. Wealth up $0.1bn (7%), due to higher Private Banking NII CMB up $1.6bn (51%); Global Payments Solutions (GPS) up $1.7bn, primarily due to higher interest rates GBM up $0.5bn (16%). Banking up $0.5bn (34%); GPS up $0.7bn, Capital Markets & Advisory down $0.2bn. MSS up $0.3bn (18%), benefitting from continued market volatility Group net fee income down 11% vs. 4Q21, mainly due to reductions in broader market activity levels WPB fees down 11% vs. 4Q21, mainly lower equity and mutual fund sales due to muted customer sentiment CMB fees up 1% vs. 4021 due to repricing initiatives in GPS GBM fees down 23% vs. 4Q21, predominantly driven by lower Capital Markets & Advisory activity 22 22

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