HSBC Results Presentation Deck

Credit performance. Adjusted ECL release/(charge) trend (1,172) 4Q20 (0.44) Hong Kong* Mainland China 424 Other Asia UK RFB HSBC Bank plc Mexico Other Total 1Q21 0.17 272 2021 ECL release/(charge) by geography, $m 4Q21 (480) (49) 1 230 46 (144) (54) (450) 0.10 3Q21 (37) (38) (30) 551 93 (12) 117 644 644 3Q21 0.24 Wholesale Personal Total (450) * 4021 charge largely relates to offshore China CRE exposures booked on Hong Kong balance sheets ** Total includes an additional $0.2bn ECL release attributed to other assets, which are not staged 4Q21 (0.17) ECL release/(charge) by stage, $bn 4Q21 Stage 1-2 Stage 3 (0.2) (0.2) (0.0) (0.1) ECL, $m ECL (0.3) release/(charge) as a % of average gross loans and advances (0.3) Strategy Total** (0.5) (0.1) (0.5) 4021 results Appendix 4021 ECL charge of $450m, primarily from Stage 2 charges reflecting recent developments in China's CRE market, offset by releases in the UK and Europe Mexico 4021 charge at a more normalised level and reflecting business growth Personal charges continue to be benign We retain $0.6bn of our Covid-19 related ECL uplift reserves on the balance sheet (c.15% of original Covid-19 reserve); down from $1.2bn at 30 ECL charge of $0.5bn includes $0.6bn Stage 2 charges, $0.3bn Stage 3 charges. and $0.3bn of Stage 1 reserve releases Stage 3 loans and advances to customers as a % of total loans is 1.8%; stable vs. 3Q21 FY21 ECL net release of $0.9bn Expect ECL charge to normalise towards 30bps of average loans in FY2237 15

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