Q3 2026 Results Presentation

Q3 2026 Results Presentation 28 October 2026Key highlights Another record performance in Q3, with strong growth in 9M’26 profit YoY and a 27% increase in earnings per share Continued execution driving broad-based growth across Wealth Solutions, Global Banking, Global Markets & Transaction Services Upgrading 2026 income growth YoY to be above the 5-7% range1… … and raising 2026 RoTE guidance to around 14% 1. At constant currency and excluding notable items 2Q3’26 performance overview $m Q3’25 Q3’26 YoY ccy Q3’26 key stats B/(W) RoTE Non-interest income Net interest income (NII) 2,737 2,966 9% 15.7% ~49% up 5.2%pts YoY of Group income Non-interest income 2,373 2,815 19% Operating income 5,110 5,781 14% Earnings per share TNAV per share 68.9 cents 1,726 cents Operating expenses (3,144) (3,411) (9%) up 55% YoY up 2% YoY Pre-provision operating profit 1,966 2,370 22% • Income up 14% YoY at ccy and excluding notable items of $11m Credit impairment (188) (90) 52% Other impairment (22) (7) 70% − Strong growth in Wealth Solutions and Global Markets, with continued momentum in Global Banking, and Transaction Services Profit from associates and joint ventures 10 (23) n.m. • Expenses up 9% YoY at ccy and excluding notable items of $3m Profit before tax 1,766 2,250 29% • Credit impairment benefitted from net recoveries in CIB, partly offset Tax (468) (488) (5%) by a $34m net increase in overlays relating to the Middle East conflict Minority Interest (2) (5) n.m. • Associates lower due to a combination of losses on investments in associates and the ongoing approach to the Group’s share of Bohai AT1 & preference shares (272) (253) 7% profit since Q4’25 Attributable profit to ordinary shareholders 1,028 1,504 49% 3NII up 3% QoQ; strong growth in non-interest income YoY NII QoQ ($m) • NII up 3% QoQ at ccy − Benefitting from day count, and volume growth from WRB and CIB, with +3% ccy AIEA up 2% QoQ 53 3 2 2,966 32 5 − Higher rates offset by margin compression from term deposits 2,871 • FY’26 NII expected to be up around 4% YoY at ccy; this includes the ~2% headwind from WRB portfolio actions − Expect similar trends in Q4’26, albeit with lower volume growth Q2’26 Day count Rates & Volume Mix Others1 Q3’26 impact margin impact Non-interest income YoY ($m) • Non-interest income up 19% YoY at ccy and excluding notable items +19% ccy − Strong growth in Wealth Solutions and Global Markets 2,815 − Continued momentum in Global Banking 2,373 • Treasury & Other includes $54m DVA in the quarter, versus ($27m) in Q3’25 Q3’25 Wealth Global Global Other Q3’26 Solutions Banking Markets products2 1. Others in NII include impact of WRB portfolio actions and FX | 2. Other products include non-interest income from Transaction Services, Deposits & Mortgages, CCPL & Other Unsecured Lending, and Treasury & Other 4