HSBC Investor Day Presentation Deck

Customer loans and deposits £bn Trade Finance Other lending o/w government-backed lending¹ Total customer loans Subdued loan demand across the industry; multiple growth actions underway Total deposits 1. 2. 1022 6.4 58.5 8.8 64.9 FY21 FY20 FY19 5.7 3.9 6.1 58.1 63.0 58.7 9.2 9.9 63.8 66.9 64.8 102.5 103.4 99.4 75.8 Loans grew 2% in 1022 (to pre-Covid levels), despite government loan repayments, driven by Trade Finance and non-government loan growth Trade Finance recovered in FY21, Revolving Credit Facility (RCF) balances continued to decline as customers built liquidity Loans were down 5% in FY21, a trend observed across all UK commercial banks; market share stable at 9.7%² £9.9bn of government loans in FY20 more than offset lower RCF and Trade Finance balances Intro Government loans comprising BBLS, CBILS, CLBILS and RLS At 31 December 2021. Commercial lending market source: Bank of England (loans and overdraft balances as a percentage of the market) Green SME Fund 2022 asset growth initiatives Growth Lending CMB Venture Capital Proposition WPB UK Export Finance (UKEF) COO Risk Finance £500m fund with 1% cashback offer, subject to use of proceeds evidence For SMEs with revenue <£25m, loans starting from £1k £250m pool to support high growth tech businesses For scale-ups with revenue >£10m, track record of 3 years high growth, minimum equity raise of >£30m Support to venture capital (VC) backed businesses with revenue >$20m and funding of <$50m, with strong backing from reputable VCs 9 coverage 'hubs' established in areas of larger customer concentration and VC investment Coordinate with UKEF in utilising HSBC's global footprint ◆ Support strategically important UK infrastructure project financing opportunities 22

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