HSBC Results Presentation Deck

Wealth and Personal Banking 4021 financial highlights Revenue ECL Costs PBT ROTE 49 5,307 297 Revenue performance, $m -204 3,048 1,758 4020 5,593 -70- -237! 2,976 2,310 $5.3bn $0.0bn $(4.0)bn $1.3bn 1Q21 15.2% (0)% 5,589 333 135 3,004 2,117 2021 Wealth excl. market impacts Personal banking (0)% (4020: $5.3bn) >100% (4020: $(0.3)bn) (1)% (4020: $(4.0)bn) 25% (4020: $1.0bn) 6.1ppt (FY20: 9.1%) 5,351 (41) - 165 3,011 2,216 3Q21 5,292 130 -156! 3,094 1,912 4Q21 Other Insurance manufacturing market impacts Balance sheet, $bn 4% 462 824 4Q20 1,588 538 1,050 6% 4Q20 482 844 3Q21 Customer lending Reported Wealth Balances8, $bn 5% 1,639 542 489 1,097 859 4Q21 Customer accounts 3Q21 Invested assets Wealth deposits 1,670 551 1,119 4Q21 Strategy 4021 results Appendix 4021 vs. 4Q20 Revenue down $15m (<1%) driven by adverse insurance market impacts of $167m, lower interest rates and lower Markets Treasury revenue, partially offset by balance sheet growth, higher VNB in Insurance, and growth in Private Banking and Asset Management revenue ◆ Customer lending up $27bn (6%), mainly mortgages ($23bn, net of $3bn US HFS reclassification) and other Private Banking ($1bn) ◆ Customer accounts up $35bn (4%) across most markets, particularly in the UK ($26bn), partially offset by reclassification of customer accounts to liabilities held for sale in the US ($10bn) Wealth balances up $82bn (5%) with invested assets up 7%. Growth across all segments, particularly in Private Banking/Retail invested assets, driven by inflows and higher market levels 4021 vs. 3Q21 ◆ Revenue down $59m (1%) driven by lower Wealth revenue of $133m, including $171m of positive insurance market impacts due to seasonality of sales, partly offset by higher Personal Banking of $83m due to balance sheet growth ◆ Customer lending up $7bn (1%), mainly mortgages ($6bn) across most markets, particularly in the UK ($3bn); retail unsecured lending up $2bn driven largely by Asia ($1bn) ◆ Customer accounts up $15bn (2%), driven by growth across most markets, particularly in Hong Kong ($7bn) and the UK ($5bn) ◆ Wealth balances up $31bn (2%) with invested assets up 2% driven largely by inflows particularly in Asset Management 37

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