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Investor Presentaiton

Transformation journey Strategy 4Q22 results Appendix Portfolio repositioned: Exited markets and reduced RWAs while reallocating capital towards higher growth and more profitable opportunities RWA saves in excess of target Capital reallocation to Asia $bn Asia as a % of Group tangible equity⁹, % 24 128 43. Target: >110 2019 61 2020 2021 43% Invested in bolt-on acquisitions 2022 2020-22 AXA Singapore 2022 47% Reshaped portfolio with exits US mass market retail Planned sale of Canada banking business Planned sale of France retail Planned sale of Russia and Greece operations 4th largest health insurer in Singapore post acquisition 10 L&T Investment Management 14th largest fund house in India post acquisition 11 HSBC Life China Increased stake from 50% to 100% HSBC Qianhai Increased stake from 51% to 90% 7
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