Investor Presentaiton

HSBC France Liquidity and Funding Advances / Deposits Ratio (ADR) 121% 117% 117% 115% Liquidity Coverage Ratio (LCR) Net Stable Funding Ratio (NSFR) LCR requirement 169% 149% 127% 122% 100% 80% 70% 60% 120% 116% 112% 2015 2016 2017 1H18 2015 2016 2017 1H18 2016 2017 1H18 Liquid Asset Buffer - Dec 17 4.3% 0.0% ■ HSBC France has a robust liquidity position and maintains its LCR and NSFR well above the regulatory minimum ■ The Liquid Asset Buffer is mainly comprised of cash and government bonds ■ € 19.4bn HSBC France maintains a stable and diversified funding base, with around half of its Available Stable Funding (ASF) coming from customer deposits, and the remainder coming from a variety of different debt and capital instruments 95.7% Level 1 Level 2a Level 2b ■ HSBC France has participated with €4.1bn in the TLTRO 17 program and through its covered bond vehicle HSBC SFH (France) has €4.6bn of covered bonds outstanding 17

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