HSBC Investor Day Presentation Deck

Intro 2 CMB A profitable business that's well positioned for the future 1 Highly cost efficient; FY21 cost efficiency ratio of 43% Prudent loan book and continued RWA optimisation supports accretive returns Strong commercial franchise, highly connected with the rest of HSBC 4 WPB COO Full-service commercial bank, highly connected across geographies and businesses Comprehensive product suite meets the needs of our customers, no matter how complex Strong links with the Group connects our clients with opportunities globally, and across businesses Risk Core strength in mid-market and large corporates, with a growth pipeline from small businesses ◆ Corporates generate most of UK CMB's income; served by market-leading propositions. 3 We support the ambitions of our extensive SME customer base to grow into corporates Finance Digitising to meet the rapidly changing needs of our customers Enhancing digital capabilities to address evolving customer needs and deliver excellent digital experiences 19

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