HSBC Investor Day Presentation Deck

ما HSBC UK is a material, and growing, contributor to HSBC Group The UK is one of HSBC's home markets; through Midland Bank, we have conducted business in the UK since 1836 HSBC UK is the UK ring-fenced bank and comprises Wealth & Personal Banking, Commercial Banking, and a restricted Global Banking & Markets business, across multiple brands 1. 14.8 million active customers; strongly connected to the rest of HSBC Group, leveraging this network to support customers across key global trade corridors Strong market share positions, with good growth opportunities, across multiple brands and products FY21 market shares¹ Current Mortgages accounts 15.6% 7.5% Cards² 10.4% Commercial lending 9.7% Commercial deposits 12.9% Intro Trade finance receivables 27.4% At 31 December 2021. Current accounts market source: CACI; mortgage market source: Bank of England; credit cards market source: UK Finance; commercial lending market source: Bank of England (loans and overdraft balances as a percentage of the market); commercial deposits market source: Bank of England (shown for Global Liquidity and Cash Management deposits on an average basis); trade finance 2. 3. CMB WPB HSBC UK as % of HSBC Group HSBC UK contribution to Group Share of adjusted revenue and profit before tax, FY21 Adj. revenue Adj. PBT UK WPB as % of Global WPB UK CMB as % of Global CMB Accretive returns Reported ROTE, FY21 COO 17% HSBC UK: 13.5%³ Risk 24% 21% 28% (31% Finance Up from 15% in FY19 receivables market share based on revenue, source: UK Finance Share falls to c.7% ex-M&S In the event that the current IAS 19 pension fund surplus was zero, adjusted ROTE would be 17.4% (2020: (0.1)%) Up from 13% in FY19 43% Group: 8.3% 9

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