HSBC Investor Day Presentation Deck

Despite uncertainty, the UK market remains attractive Impact of rising inflation and higher cost of living Heightened geopolitical risks Recovery from Covid-19 Increasing climate risks Challenges Strengths The UK market is challenging but attractive, and we are well positioned 1 2. 3. 4. Total private wealth of £15.2tn, with 17% of households having assets >£1m¹ World education centre; 4 of the Top 10 universities in the world (17 of the Top 100)² ◆ Strong housing market demand, with >£315bn in gross mortgage lending in 20213 ♦ World's second largest exporter of services4, specialising in financial & business services5 Robust regulatory framework Source: Household total wealth in Great Britain: April 2018 to March 2020, UK ONS Source: World University Rankings, 2021, Quacquarelli Symonds Source: Mortgage lending statistics, March 2022, FCA Source: OECD Quarterly International Trade Statistics, Volume 2021 Issue 3 Intro 5. 6. 7. CMB Space to grow Trusted brands WPB HSBC UK is well positioned to capture opportunities Strong network Extensive and loyal customer base COO Risk Finance Only 7.5% share of mortgage market vs. 15.6% share of current accounts7 Business built across three strong brands: HSBC; first direct; M&S Bank. HSBC UK shortlisted for 'Brand of the Year, 2021' by The Marketing Society Source: Trade in services, The Pink Book, UK Office for National Statistics, 2021 At 31 December 2021. Source: Bank of England At 31 December 2021. Source: CACI Full scale commercial international network c.14m retail customers; c.745k SME; c.12.5k Mid-Market Enterprises and Large Corporates 12

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