HSBC Investor Day Presentation Deck

HSBC UK loans and deposits, £bn +31% 183 Balance sheet positioned to support further lending growth 216 FY19 85% 191 +9% 259 FY20 74% 196 282 FY21 69% Customer loans Customer deposits 199 284 1Q22 70% Loan to deposit ratio 1. Rebased. January 2020 = 100 2. Card spend and balances market source: UK Finance. Card spend excludes Private Bank 1022 deposit surplus of £85bn driven by build-up of customer savings and lower spending during periods where Covid-19 restrictions were in place Strong mortgage growth of £21bn vs. FY19, offset by subdued personal unsecured and CMB borrowing during the pandemic Intro 120 HSBC UK WPB credit card spend¹ 110 100 90 80 70 60 CMB 0 Jan 105 WPB 84 47 COO 2022 Risk 2021 Finance 2020 Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Credit card spend has recovered to above pre-Covid-19 levels, and delinquencies have remained subdued; FY21 card spend market share of 18.3%² Interest bearing balances remain below pre-Covid-19 levels; FY21 card balances market share of 10.4%² 63

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