Hsbc Holdings Plc · LSE:HSBA
Hsbc — Investor Day (May 2026)
32 slides from Hsbc's investor day presentation, May 2026
Slide 1: A growing, high-returning HSBC
A growing, high-returning HSBC Asia seminar for investors and analysts | May 2026
Slide 2: Georges Elhedery, Group CEO
Georges Elhedery Group CEO HSBC
Slide 3: A growing, high-returning HSBC
A growing, high-returning HSBC Our ambition is to be the most trusted bank globally, putting customers at the heart of everything we do Three strategic priorities Drive customer- Deliver focused, Be simple and agile centricity sustainable growth Built on four strong, complementary businesses Corpora
Slide 4: Executing at pace to be simple and agile
Executing at pace to be simple and agile 1 Organisational structure aligned to strategy DONE 4 $1.8bn of cost reallocations ON TRACK Two home markets and two globally connected businesses. All four built on our core strengths $1.5bn cost reallocation away from non-strategic businesses All four b
Slide 5: Accelerating our strategic execution with AI
Accelerating our strategic execution with AI Our AI vision Our AI goals Empower 88% colleagues enabled with AI productivity tools1 Our vision is to empower colleagues >37k engineers empowered with AI-enabled coding assistants2 our colleagues to use AI to create a personalised experience for each
Slide 6: Deploying AI across the Group
Deploying AI across the Group Simplifying and scaling how we operate Delivering hyper-personalised customer experiences Customer Financial crime risk Contact Wealth onboarding and KYC monitoring centres AI AI-assisted onboarding AI-driven Dynamic Risk Developing AI solutions to AI-tool deplo
Slide 7: Delivering focused, sustainable growth across all four businesses
Delivering focused, sustainable growth across all four businesses Market FY25 1Q26 performance11 FY24 to FY25 growth position PBT* RoTE Revenue YoY NTB retail customers5 799k +58% 1,262k Hong Kong #1 bank1 $9.3bn NTB China-linked BB customers6 19k +32% 25k 44.7% 3% Insurance market share7 21% +1ppt
Slide 8: Capturing HK's growth as a super-connector through two iconic banks
Capturing HK’s growth as a super-connector through two iconic banks Super-connector for Wealth and business #1 position in HK3 Growth actions Cross-border wealth hubs AUM, $tn1 Two iconic banks Strengthen market share: Leverage HSBC’s global reach and 3.6 3.4 2.7 2.7 2.8 Hang Seng Bank’s local exper
Slide 9: Capturing the Asia wealth opportunity
Capturing the Asia wealth opportunity Structural growth in Asia wealth Asia’s #1 Wealth Manager Growth actions Personal financial assets, $tn1 FY25 Wealth balances, $bn2 Grow affluent customer base: +6% Feeders from client continuum and 5Y CAGR HSBC 1,055 CAGR ~1m wholesale clients 357 10% 3% Peer 1
Slide 10: Capturing "Asia buys Asia"
Capturing “Asia buys Asia” Asia buys Asia Asia’s #1 Wholesale Transaction Bank Growth actions Asia Pacific export value Asia WTB total revenue, FY252 Asia buys Asia: growth, YoY %1 Leverage Asia network, leading HSBC TA Peer 1 product capabilities and expertise ~2.5x average KR Peer 2 of the next 3
Slide 11: Our global connectivity makes us increasingly relevant to customers
Our global connectivity makes us increasingly relevant to customers in a fast-changing world FY25 wholesale cross-border client revenue Scale global network Customer home market Revenues booked in ~85% of CIB client revenue is from multi-jurisdictional Hong Kong customers Chinese Hong Kong ~55% is c
Slide 12: In the UK, we combine domestic scale with global connectivity
In the UK, we combine domestic scale with global connectivity HSBC’s operations in the UK1 FY25 UK wholesale cross-border client revenue $19bn $569bn 5 192 UK RFB 14 377 UK NRFB FY25 revenue FY25 deposits Europe FY25 revenue vs. peers, $bn2 UK 19 Chinese Americas Mainland HK Peer 1 Peer 2 HSBC in Pe
Slide 13: Day 1 agenda
Day 1 agenda 1 A growing, high-returning HSBC Georges Elhedery, Group CEO Pam Kaur, Group CFO 2 Asia overview and Hong Kong presentation and Q&A David Liao, Co-CEO, Asia and Middle East Surendra Rosha, Co-CEO, Asia and Middle East Maggie Ng, CEO, HSBC Hong Kong Luanne Lim, CEO, Hang Seng Bank Wong W
Slide 14: Day 2 agenda
Day 2 agenda 1 Lunch with Wealth leadership Barry O’Byrne, CEO, IWPB Wealth leadership team Barry O’Byrne, CEO, IWPB 2 Nicolas Moreau, CEO, Asset Management Kai Zhang, Head of IWPB, Asia IWPB presentation and Q&A Ida Liu, CEO, HSBC Private Bank Lavanya Chari, Head of Wealth and Premier Solutions Ed
Slide 15: Seminar key takeaways
Seminar key takeaways Building the bank of the future Built on strong foundations Simple and agile Streamlining and upgrading operating model Leading in innovation Hallmark financial strength Customer High-quality customer franchise centricity Each business is built on trust Brand trust an
Slide 16: Pam Kaur, Group CFO
Pam Kaur Group CFO
Slide 17: Confident in our ability to grow and generate high returns
Confident in our ability to grow and generate high returns Momentum in our financial performance Revenue excl. notable items, $bn* EPS excl. material notable items† RoTE excl. notable items, % +5% CAGR +11% +1.2ppts CAGR 71.0 $1.51 17.2% 64.8 67.6 16.0% $1.31 15.6% $1.22 FY23 FY24 FY25 FY23 FY24 FY2
Slide 18: Confident in our ability to deliver on our financial targets
Confident in our ability to deliver on our financial targets Disciplined in our strategic execution Strategic priorities 2026 to 2028 targets Revenue Rising to 5% YoY growth by 2028* Deliver Be Drive focused, simple + customer + sustainable RoTE 17% or better each year* and agile centricity growth D
Slide 19: Through customer trust, we have built a unique, global deposit franchise
Through customer trust, we have built a unique, global deposit franchise focused on operating accounts Instant access / demand deposits 1Q26 customer deposits Global strength in instant access / demand deposits $1.2tn Asia Rest of Group $581bn $660bn Customer 70% $1.8tn deposits Instant Instant Fixe
Slide 20: Our high-quality deposit base drives our Banking NII
Our high-quality deposit base drives our Banking NII Relationship-driven deposits are the primary 55% Loan to deposit ratio (FY25) driver of our Banking NII Customer deposits +4% CAGR $1.8tn High-quality, recurring earnings Solid foundation on which to grow each of our customer franchises FY19 FY20
Slide 21: Instant access deposits are a high-quality source of earnings
Instant access deposits are a high-quality source of earnings, and a solid foundation for growth Instant access / demand deposits to customer loans1 (FY25) 124% 122% 110% 95% 92% 88% 78% 75% 71% 65% 63% 31% HSBC HSBC Asia peer 1 HSBC Asia peer 2 UK peer 1 UK peer 2 Asia peer 3 Asia peer 4 Asia peer
Slide 22: Success in Asia is key to delivering on our upgraded targets
Success in Asia is key to delivering on our upgraded targets Leading contributor to Group Key growth engine FY25 financials Customer deposits, $bn $1,787bn $68.3bn $29.9bn +7% CAGR 912 10.3 Rest of 875 33.0 Group FY23 FY24 FY25 Revenue, $bn 19.6 +5% Asia 912 35.3 CAGR 35.3 Customer deposits Revenue
Slide 23: Growing faster with Hang Seng Bank
Growing faster with Hang Seng Bank Value to shareholders $0.9bn $0.4bn upside $0.5bn synergies $0.8bn 2025 minority interest P&L Revenue and cost benefits* Asset quality improvement Growth opportunity * Management ambition to generate benefits of $0.9bn by YE28, of which $0.5bn is classified as expe
Slide 24: Deep customer relationships to capture the wealth opportunity
Deep customer relationships to capture the wealth opportunity Deposits at the core of our wealth model Wealth relationships drive both Banking NII and fees Group Asia $1,563bn Wealth balances (FY25) $1,055bn Wealth balances (FY25) Insurance Bonds Private Invested Private Invested 240 465 Bank assets
Slide 25: A growing, high-returning HSBC
A growing, high-returning HSBC Be the most trusted bank globally, putting customers at the heart of everything we do 1 2 3 Simple and agile Customer-centricity Focused, sustainable growth Focused on our four connected businesses; leadership positions in Increasing investment in the Group’s Our busin
Slide 26: Appendix
Appendix
Slide 27: Wholesale operational deposits: additional disclosures
Wholesale operational deposits: additional disclosures Incremental disclosures are provided to improve visibility into our funding and liquidity positions In our Pillar 3 LCR disclosures, wholesale operational account balances include haircuts to reflect the liquidity value of these balances bas
Slide 28: Footnotes
Footnotes Slide 3: Executing at pace to be simple and agile 7. Based on ANP. Sourced from the Hong Kong Insurance Authority, December 2025 1. FY25, excluding notable items 8. Business Banking (BB) gross customer acquisition 2. FY25 revenue 9. Bank-wide, including Hong Kong, IWPB and UK businesses 3.
Slide 29: Footnotes
Footnotes Slide 9: Capturing “Asia buys Asia” Slide 14: Seminar key takeaways 1. HSBC Global Research, March 2026 1. Internal analysis based on FY25 PBT, loans and advances to customers and customer deposits. HSBC figure 2. Coalition Greenwich Competitor Analytics, FY25 for APAC. Based on HSBC’s int
Slide 30: Glossary
Glossary AUC Assets under custody NAM North America AUM Assets under management NPS Net promoter score Banking NII adjusts our net interest income primarily for the impact of funding trading NTB New to bank Banking NII and fair value activities reported in interest expense. It respresents the Group'
Slide 31: 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 public offer for the purposes of any applicable law or an offer to sell or sol
Slide 32: Slide 32