Investor Presentaiton

1 Expand Leadership in Greater China Maintain leadership in Hong Kong Continue leadership as mainland China's top foreign bank¹ International connectivity Capture the increasing connectivity (in business, trade and investments) between China and the world, including Chinese enterprises "going out" and Hong Kong / international companies "going into China" Taiwan as a key component of the Greater China market leadership proposition Position HSBC as the Leading International RMB Bank Focus on core RMB products: Advances, Deposits, Bonds, Trade, FX ■ Leverage on first mover advantage and Hong Kong's position as leading offshore RMB centre ☐ Capitalise on international connectivity to increase market share (e.g. 24% share in 2012 Bloomberg CNH Bond League Table) ☐ Leverage global capabilities: RMB capabilities established in over 50 markets ☐ Recognition: 'RMB House of the Year' in the 2012 Asia Risk Awards, ‘Best for overall products/services' and 'Most likely RMB products/services provider' in the 2012 Asiamoney Offshore RMB Services survey ■ Maintain market leadership Best Commercial Bank in Hong Kong 2012 (FinanceAsia) Consolidate market position across core products Market leader in life insurance manufacturing, deposits, MPF, mortgages, credit cards and offshore RMB bond Maintain scale in other strategic businesses ☐ Sustain market presence through network leadership Largest foreign bank in mainland China: Outlets²: 145 HSBC China, 21 HSBC Rural Bank, 46 Hang Seng 'Best international Trade Bank in China' award by Trade Finance Magazine Strategic investments in China associate: Invested a further USD 1.7bn in 2012 in BoCom to maintain 19.03% stake Notes: 1 Measured by size of network and PBT 2 March 2013 11

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