HSBC Investor Day Presentation Deck

◆ We are a safe bank, recognised by Which? as the safest bank out of 15 UK banks tested for online security¹ 1. Bank HSBC NatWest (also Royal Bank of Scotland) Focusing on protecting our customers and improving resiliency across HSBC UK Improving resilience Barclays Protecting customers Santander Login (30%) 4 out of 5 ✰✰✰✰✰ 3 out of 5 4 out of 5 ★★★★★ 4 out of 5 Encryption (40%) 5 out of 5 5 out of 5 ✰✰✰✰✰ 5 out of 5 5 out of 5 Account management (15%) 5 out of 5 ★★★★ 4 out of 5 ★★★★ 4 out of 5 3 out of 5 Navigation and logout (15%) 4 out of 5 5 out of 5 ★★★★★ 2 out of 5 ★★★★ 3 out of 5. Overall test score 81% 75% Source: Which? 'How safe is online banking?' review. Testing in September 2021 and October 2021 73% 72% Invested in industry leading fraud detection capabilities and enhanced the warnings we provide Built secure and low friction mechanisms to allow customers to use web and mobile securely, and to verify and validate customers during onboarding and registration Built the first fraud awareness app launched by a high street bank in the UK to protect businesses from scams Intro CMB WPB COO Risk Finance ◆ New, resilient, and secure digital mobile and browser platforms for our customers Accelerating our adoption of public and private cloud and security standards, which has increased fourfold since 2019. This allows us to: Easily integrate with third party partners Develop modern applications quickly Reduce infrastructure constraints which could drive performance issues. Deployment of our UK and global Technology strategy which hinges on Speed, Scale, Resilience, and People 46

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