HSBC Investor Day Presentation Deck

UK WPB snapshot c.14m active customer relationships and 14k full-time equivalent staff ◆ Underweight in market share of key product areas Well-diversified revenue streams Market share of FY21 balances¹ Mortgages Credit cards Unsecured personal loans Current accounts Business overview: Growing market share and catering for all customer segments Savings 1. 2. 3. 4. 7.5% 10.4% 8.3% 12.8% 15.6% Change since FY18, ppts +0.8 +0.0 (1.7) +1.7 (0.1) UK WPB revenue by product² 31% Intro 9% 26% 34% CMB Mortgages Unsecured lending Deposits Insurance and Wealth Eligibility³ UK WPB customer relationships £23m £3.5m WPB £50,000 or other criteria4 COO Open for all UHNW HNW Mass Affluent Mass Retail Risk Finance At 31 December 2021. Mortgages market source: Bank of England; credit cards market source: UK Finance; unsecured personal loans market source: CACI; current accounts market source: CACI; savings market source: CACI Adjusted revenue is a management view by product and is stated after the impact of funds transfer pricing; Insurance excludes HSBC Life UK On the basis of investable assets, not including real estate Have an individual annual income of at least £75,000 and one of the following with HSBC UK: a mortgage, an investment, life insurance or a protection product. Alternatively hold and qualify for HSBC Premier in another country or region Customers 2k Universal banking model meets customer needs across the client continuum, from everyday personal banking to sophisticated wealth management solutions 8k 1m 13m 31

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