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Investor Presentaiton

Mainland China business performance FY22 financial performance Regional highlights $m FY22 FY21 A NII 1,794 1,604 12% Non-NII 2,379 1,932 23% Revenue 4,173 3,536 18% مرا FY22 revenue up 18% vs. FY21; PBT excluding associates of $1bn ECL (328) (80) >(100)% Costs (2,836) (2,622) (8)% Associates 2,386 2,372▲ 1% PBT 3,395 3,206 6% Balance sheet, $bn 50 55 57 50 FY21 FY22 Customer loans Customer accounts Strategy 4022 results Appendix D 1m registered users on the Pinnacle River app. c.1,300 wealth planners are now digitally enabled in mainland China Private Banking expansion: launched new offices in Hangzhou and Chengdu Launched $5bn GBA sustainability fund to provide financing for businesses to capture sustainable opportunities while transitioning to a low-carbon economy Launched a new initiative to provide financing to SMEs in strategic emerging industries worth RMB3 billion Launched Trade Connect to offer faster, more efficient and digitised trade financing services for businesses trading in the Greater Bay Area 56
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