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Investor Presentaiton

Commercial Banking • Client base: +6% versus 2006 • Intensive marketing and advertising campaigns, mainly using the theme 'Principal Banker' Development of tailored products and services for different segments Online banking updated with the launch of a new website offering capabilities for international wire transfers and operations in mutual funds Competitive advantage of 'international network', with the support of the HSBC Group Great success of 'UK Country Club' and 'China Country Club' Increasing outstandings Deposits: +22 % - Loans: +19 % Competitive environment - Competition pressures - Improvement in credit margin towards the end of the year • Launch of Corporate Banking Centres (CBCs) • Appointment of experienced head and reinforcement of team with two Group appointees HSBC
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