Investor Presentaiton

HSBC France Capital structure HSBC France has enhanced its capital structure in 2017 and 2018 to support its business planning and strategic initiatives. Capital and loss-absorbing instruments 24.0% 23.3% HSBC France's capital position as at 30 June 2018: CET1 ratio of 12.2% Total Capital Ratio of 15.2% net of prudential deductions versus requirement of 12.6% Regulatory capital base further optimised during 2018: 19.5% 7.9% 7.9% - 5.6% 0.8% 1.6% 0.6% 2.5% 1.4% 13.1% 13.2% 12.2% Dec-16 Dec-17 Jun-18 - Issued €0.3bn of AT1 and €0.3bn of Tier 2 capital to parent MREL strategy is on track with the issuance €2.8bn senior to parent in 2016 and 2017 intended to be converted into senior non- preferred (SNP) when MREL regulation is finalised, taking potential total loss-absorbing capacity up to €8.5bn, including the €0.3bn of AT1 and €0.3bn of Tier 2 issued in 1H 2018. Senior MREL T2 AT1 CET1 16

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