HSBC Results Presentation Deck

Personal and Wholesale lending analysis Reported net personal lending balances, $bn 456.1 22.9 21.3 37.9 22.5 351.5' 4Q20 475.2 23.4 21.7 37.8 21.6 370.7 4Q21 2% 2% 0% (4)% 5% Other Credit cards Other secured personal lending Guaranteed loans in respect of residential property First lien residential mortgages Seeing a recovery in consumer credit vs. 3Q21; cards up 7% with growth in most regions, personal lending up 3%, primarily in Asia 558.9 Net CMB and GBM lending balances, $bn 490.8 68.1 Strategy 4Q20 556.3 472.4 4021 results 83.8 (4)% 23% Appendix Other wholesale lending Trade balances 4Q21 4021 trade balances of $83.8bn up 23% vs. 4Q20, and up 6% vs. 4019 ◆ CMB lending of $349bn at 4021, up 3% vs. 4020 47

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