Investor Presentaiton

Strategy 4022 results Appendix International connectivity is our core value proposition for clients and employees; it's the foundation of our strategy and a driver behind improving returns ~45% of wholesale client business is cross-border³ 2022 Wholesale client business, $bn Domestic c.$24bn c. $11bn MENA Americas Europe In WPB, International is the most attractive client segment International WPB customers4, #m Multi-Country Non-Resident Resident Foreigner Cross-border ~45% ~45% Asia 2022 2022 booking location³ 5.6 +7% 7 6.0 2021 2022 c.2x International customer revenue60 vs. domestic customers Business booked domestically includes the home market of international clients c.650k New-to-bank international customers 31

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