Hsbc Holdings Plc · LSE:HSBA
Hsbc — Hang Seng Bank — Investor Day (May 2026)
17 slides from Hsbc's investor day presentation, May 2026
Slide 1: Hang Seng Bank
Hang Seng Bank Asia Seminar for investors and analysts│ May 2026 Luanne Lim Chief Executive RESTRICTED
Slide 2: Hang Seng – Hong Kong’s largest local bank
Hang Seng – Hong Kong’s largest local bank Historical Highlights 2026 Privatisation by HSBC Group 1969 1972 Hang Seng Index was launched Listed on the 1965 Hong Kong Stock 1933 Exchange HSBC acquired a Founded as a money and majority stake in gold exchange shop in Hang Seng Bank Hong Kong Differenti
Slide 3: Embedded in the everyday lives of Hong Kongers
Embedded in the everyday lives of Hong Kongers Serving nearly 1 in 2 Hong Kongers (3.3m retail customers) ... Transportation Groceries & Dining Lifestyle Youth Financial Markets Service outlets in Co-brand loyalty card Issue membership cards Co-brand cards with 5 top Globally recognised substantiall
Slide 4: Hang Seng: Hong Kong’s largest local bank
Hang Seng: Hong Kong’s largest local bank #1 Local Bank1 #2 Banking Brand2 #3 Lender in Hong Kong3 A full-service institution Customer-led franchise (FY25) Retail Banking and Wealth #2 Retail sNPS5 in CASA deposit mix6 Wholesale Banking Hong Kong 55% (Hong Kong Market: 43%) Hang Seng Insurance
Slide 5: Strong Wealth performance, overshadowed by credit cycle headwinds
Strong Wealth performance, overshadowed by credit cycle headwinds Growing Prestige base1 Commercial Real Estate headwinds Average Prestige revenue / customer 10x higher than Mass Retail Elevated ECLs / deleveraging Prestige customers (‘000s) 110 CAGR: 9% Lending ($bn) 101 388 326 84% Non-CRE 80% 202
Slide 6: Next chapter of growth: building on a strong franchise
Next chapter of growth: building on a strong franchise Increase and extend acquisition, focus on strategic segments and new-to-market Expand 1 customer base Leading Hong Kong bank across spectrum Increase share of new-to-market customer acquisition from Chinese Mainland Deepen client penetration
Slide 7: Expanding Retail customer base
Expanding Retail customer base ~60% of Retail revenues1 Prestige / +9% customer base CAGR (2023-25) Prestige Private Digital capabilities >50% of customer acquisition from Chinese Mainland A Unlocks faster Mass growth potential Newly launched digital onboarding for Profile Revenue1 Chinese
Slide 8: Capturing the Wealth growth opportunity
Capturing the Wealth growth opportunity >$1bn fee & other income with strong growth Upscale distribution Wealth ~20% of Hang Seng revenue A Opened first premium Wealth space #2 Wealth contributor to HSBC Group Inaugural Wealth Symposium Wealth fee & other income ($bn) Digital experience CA
Slide 9: Accelerating Commercial acquisition, expanding product opportunities
Accelerating Commercial acquisition, expanding product opportunities Servicing 1 in 4 SMEs in Hong Kong1 China-linked acquisition Leading 20 years as ‘Best SME Partner’2 Established GBA team to provide bank A greater SME ecosystem connectivity Long term trusted corporate relationships Enha
Slide 10: Leveraging digital advantages to support growth
Leveraging digital advantages to support growth Digitally active customer base Data & AI advantages Mobile active customers (%) Modern data platform provides richer customer insights e.g. personalised onboarding, real time prompts Retail Banking1 Incubated 11 GenAI use cases within HSBC Group 52
Slide 11: Two iconic banks, one bright future
Two iconic banks, one bright future Digital Products Connectivity • Wealth self-serve tools • Investment banking Global network • GenAI incubation • Sophisticated solutions Commercial surplus Co-creation Digital Upgraded shared Product SME platform foundations manufacturing 11 RESTRICTED
Slide 12: Financial trajectory
Financial trajectory Growth 3 opportunities Asset quality Revenue and cost 2 improvements 1 benefits from privatisation 9.4% 2025 RoE 12 RESTRICTED *Diagram not to scale
Slide 13: Hang Seng Bank – deeply rooted, ever evolving
Hang Seng Bank – deeply rooted, ever evolving Strong franchise: deep relationships, Wealth momentum, solid profitability. Proven 1 results in choice segments 2 Growth overshadowed by credit cycle and limited investments Attractive growth opportunities in Hong Kong market – expanding customer base 3
Slide 14: Thank You!
Thank You! RESTRICTED
Slide 15: Footnotes
Footnotes Slide 4: Hang Seng: Hong Kong’s largest local bank 1. Hang Seng Bank, a subsidiary of The Hongkong and Shanghai Banking Corporation Limited (HBAP) is the largest local bank in Hong Kong by PBT. Internal analysis based on the PBT of the banks i) incorporated in Hong Kong and ii) loan use ou
Slide 16: Glossary
Glossary AI Artificial intelligence SME Small and medium-sized enterprises AUM Assets under management sNPS Strategic Net promoter score CAGR Compound annual growth rate CASA Current accounts and saving accounts CRE Commercial real estate Expected credit losses. In the income statement, ECL is recor
Slide 17: Disclaimer
Disclaimer Important notice The information, statements and opinions set out in this presentation and accompanying discussion (this “Presentation”) are for informational and reference purposes only and do not constitute a offer for the purposes of any applicable law or an offer to sell or solicitati