HSBC Results Presentation Deck

Footnotes 1. If policy rates were to follow the current implied market consensus 2. Medium-term is defined as 3-4 years from 1 January 2020; long-term is defined as 5-6 years 3. Unless otherwise stated, regulatory capital ratios and requirements are based on the transitional arrangements of the Capital Requirements Regulation in force at the time. These include the regulatory transitional arrangements for IFRS 9 'Financial Instruments'. References to EU regulations and directives (including technical standards) should, as applicable, be read as references to the UK's version of such regulation and/or directive, as onshored into UK law under the European Union (Withdrawal) Act 2018, and as may be subsequently amended under UK law 4. Cumulative RWA saves under our transformation programs as measured from 1 January 2020, including $9.6bn of accelerated saves made over 4019 Based on tangible equity of the Group's major legal entities excluding associates, holding companies and consolidation adjustments 6. WPB TE as a share of TE allocated to the global businesses (excluding Corporate Centre). Excludes holding companies, and consolidation adjustments NNIA: Net New Invested Assets. Includes Retail Wealth (excl. deposits), GPB (excl. deposits), and AM 3rd party. Asia Retail Wealth NNIA includes only China/HK/HASE/Singapore/Malaysia - representing 96% of invested assets in Asia. Prepared on a reported basis 5. 7. 8. Wealth deposits include Premier, Jade and Global Private Banking deposits, which include Prestige deposits in Hang Seng Bank, and form part of the total WPB customer accounts balance 9. Assets managed by HSBC Asset Management. Excludes associates and joint ventures. Prepared on a reported basis 10. Asia WPB Wealth Revenue: WPB Wealth, WPB Insurance, GPB, and Asset Management 11. Asia WPB Insurance Value of New Business includes Singapore, China and HK (AMH and HASE) 12. Primarily Markets income, down vs. prior year due to strong comparative period 13. Between CMB and GBM: Includes Global Markets products to CMB customers and Global Banking products to CMB Customers 14. GBM and WPB: Includes GM products to WPB customers 15. East refers to Asia, Middle East, North Africa and Turkey (MENAT). West refers to Europe, North America and Latin America. Calculation is based on GBM RWAS by region, as stated in the external datapack, which exclude the impact of market risk diversification and inter-regional eliminations 16. Exit of US mass retail and planned sale of France Retail 17. FY21 adjusted costs for HSBC Bank plc includes a first-time allocation of the UK bank levy of $171m 18. Data is as of 31 March 2021 and as quoted in HSBC press release dated 26 May 2021 19. Data is as of 31 December 2020 and as quoted in HSBC press release dated 18 June 2021 20. 4th largest health insurer based on gross premiums and 7th largest life insurer based on annualised new premiums based on MAS and LIAS data as of December 2020 21. Data at 30 September 2021. AUM source: Association of Mutual Funds in India (Average AUM) 22. Technology costs in operating expenses trends include transformation saves and are presented on a net basis 23. On an IFRS 4 basis 24. % of total Technology workforce in the global businesses and functions are aligned to at least one agile team per Strategy 4021 results Appendix agile blueprint 25. % of the Group's technology services that are on the private or public cloud; 2020 cloud adoption is based on an estimate of private cloud usage 26. % of transactions initiated digitally by our customers on our HSBC digital channels 27. HSBCnet is HSBC's global internet banking platform for wholesale clients 28. % of WPB customers who have logged into a HSBC Mobile App at least once in the last 30 days. Percentages are for the month of December in their respective years 29. Employee engagement index represents the average % of respondents who would recommend HSBC as a great place to work, are proud to say they work for HSBC and feel valued at HSBC 30. Senior leadership is classified as those at Band 3 and above in our global career band structure. Employees with an 'Undeclared' or 'Unknown' gender have been incorporated into the 'Male' category 31. Contribution in 2021 towards the Group's $750bn to $1tn sustainable finance and investment ambition. The volume amounts stated include; capital markets/advisory activities, balance sheet related transactions that capture the limit of the facility at the time it was provided and the net new flows of sustainable investments (Assets under Management) 32. This absolute greenhouse gas emission figure covers scope 1, scope 2 and scope 3 (business travel) emissions; data for 2019 and 2020 has been revised as we have updated our air travel reporting methodology to include the cabin class travel and the impact of radiative forces. The emissions of HSBC's vehicle fleet were reported under scope 3 for these two years. Please see CO2 Emissions Reporting Guideline and PwC Assurance Report (available at www.hsbc.com/our-approach/esg-information/esg-reporting-and-policies) for 2019 and 2020 33. 4021 DPS in respect of FY21; 4020 DPS in respect of FY20 34. CMB lending growth during FY21 includes the impact of $13bn of gross RWA reductions 35. NII sensitivity reflects the impact of immediate rate shocks on NII to a hypothetical base case projection, which already incorporates forward rates (as at 31 December 2021), assuming a constant balance sheet as of 31 December 2021 36. Source: Bloomberg. GBP: Sterling Overnight Index Average (SONIA); USD: Fed funds. Implied rates for 31 December 2022 and 2023 based on the following as of 18 February 2022: 30 day Fed Funds futures and one month SONIA index future 37. Based on current consensus economic forecasts and default experience, noting we retain $0.6bn of Covid-19-related allowances as at the end of 2021. Uncertainty remains given recent developments in China's commercial real estate sector, while inflationary pressures persist in many of our markets 38. Technology cost increases in quarterly walks are presented on a gross basis (excl. saves) 39. Includes movements in fair value through other comprehensive income reserve, deductions for excess expected loss and investments in financial sector entities 40. Source: HKMA at 31 December 2021; Hong Kong market share includes HASE 41. Applicable transactions cover 34 markets (including the UK and Hong Kong) and exclude payments that are cancelled, low value or batched payments, transactions that require intervention due to regulation and manual payments 54

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