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Investor Presentaiton

Opening up a world of opportunity Our Strategy Asia Wealth Digital Business Services Financials Over the past 10 years, we have a strong track record of growth in Asia Recent growth drivers Greater Bay Area (GBA) Strengthening Hong Kong ◆ Sustained market leadership³4: #1 in deposits (29%), #1 in Cards (46%), #1 in Mortgages (34%) ◆ Leadership in Global Transaction Banking 35 ◆ #1 for Investment Banking fees for the past 3 years 36 Developing our business in the Pearl River Delta ◆ 4X growth in active WPB customers since 2016 ◆ 37% growth in CMB customers 37 since 2016 ☑Expanding in South Asia 38 ◆ Total ASEAN markets revenue grew to c.$3.5bn in 2019, with all markets now >$175m revenue ♦ India delivering 20% growth in revenues in wholesale banking in 2020 Growing Asian Wealth #1 in Hong Kong for Wealth, #2 for Insurance39 Top 3 Private Bank in Asia 40 ♦ Incremental growth of c.800 new staff hires from 2017-2019 Asia reported revenue, $bn 19 "Pivot to Asia" strategy launched | Covid-19 related GDP decline and compressed interest rates | c.60% 23 23 30 27 HH HH 2010 2016 2019 2020 Share of Group's 27% 53% revenue 28
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