Ab c The following is the text of an announcement released to the - PDF document

Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this document, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this document. Ab c The following is the text of an announcement released to the other stock exchanges on which HSBC Holdings plc is listed. 30 July 2012 HSBC FINANCE CORPORATION – PRESENTATION A presentation relating to the results of HSBC Finance Corporation for the first half of 2012 is available to download at www.hsbc.com and is also appended to this announcement. ends/all The Board of Directors of HSBC Holdings plc as at the date of this announcement are: D J Flint, S T Gulliver, S A Catz † , L M L Cha † , M K T Cheung † , J D Coombe † , J Faber † , R A Fairhead † , A A Flockhart*, J W J Hughes- Hallett † , W S H Laidlaw † , J P Lipsky † , J R Lomax † , I J Mackay, N R N Murthy † , Sir Simon Robertson † and J L Thornton † . † Independent non-executive Director * Non-executive Director Hong Kong Stock Code: 5

HSBC Finance Corporation IFRS Management Basis 30 July 2012 1

HSBC Finance Corporation 1H 2012 Financial Results 1H 2011 2H 2011 1H 2012 US$m Card and Consumer Card and Consumer Card and Consumer Total Total Total Retail Svcs and Other (2)(3) Retail Svcs and Other (2)(3) Retail Svcs (1) and Other (2)(3) Net operating income before loan impairment charges 2,714 1,459 4,173 2,748 3,038 4,810 1,029 5,839 excluding changes in Fair Value of Own Debt due to credit 290 spreads (FVOD) 703 2,167 2,870 898 3,682 322 1,577 1,899 Loan impairment charges and other credit risk provisions 2,784 Total operating expenses 1,030 652 1,682 771 588 1,359 593 455 1,048 Profit/(Loss) before tax excluding FVOD (4) 981 (1,360) (379) 1,079 (3,082) (2,003) 3,895 (1,003) 2,892 Net operating income before loan impairment charges for Consumer and Other above includes the effect of non-qualifying hedges (“NQHs”) of a $124m loss in 1H 2011, $1,057m loss in 2H 2011, and a $217m loss in 1H 2012. Notes: (1) The Card and Retail Services results for 1H 2012 are through the date of sale, 1 May 2012, and reflects a $3.1 billion gain on sale. (2) Represents the run-off businesses of Consumer and Mortgage Lending, as well as our Insurance, Commercial, Corporate and Treasury activities. (3) Included are PBT loss of ($1,363m) in 1H 2011, ($3,109m) in 2H 2011, and ($961m) in 1H 2012 related to RBWM run-off portfolio. (4) Profit/(loss) before tax excluding FVOD can be reconciled to reported IFRS segment results as follows: 1H 2011 1H 2012 Card and Retail Consumer and Card and Retail Consumer and Svcs Other Svcs Other 981 (1,360) Profit/(Loss) before tax excluding FVOD as reported above 3,895 (1,003) Adjustments: Changes in FVOD – (66) – (450) Discontinued operations (981) (17) (3,895) (4) Management basis adjustments – 5 – (9) – (1,438) Profit/(Loss) from continuing operations before tax as reported – (1,466) See Note 13 ‘Business Segments’ of the HSBC Finance Corporation U.S. SEC filings on Form 10-Q for the period ended 30 June 2012 for further information related to business segment results. 2

HSBC Finance Corporation (1) Consumer and Mortgage Lending run-off portfolio continues to decline Customer loans Run-off portfolio, US$bn 64.5 61.3 58.4 55.7 53.5 51.5 49.5 47.5 8.8 45.7 8.1 7.5 6.5 6.8 6.3 6.0 5.8 5.4 5.6 5.3 5.0 5.0 4.6 4.8 4.5 4.2 4.0 49.2 47.2 45.3 43.6 42.2 40.9 39.6 38.3 37.1 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 Real Estate Secured 1st Lien Real Estate Secured 2nd Lien Unsecured Personal Credit and Other Run-Off Portfolio 2+ Delinquency (2) , US$bn 9.5 9.1 9.3 10 8.6 8.9 8.4 7.9 8.3 30% 0.9 7.8 0.9 0.8 0.5 0.5 0.3 0.2 0.8 8 0.5 0.4 0.8 0.7 0.6 0.4 0.6 0.5 20.6% 20.0% 0.5 20.0% 0.5 18.5% 16.8% 16.7% 20% 6 15.4% 16.2% 15.6% 12.3% 11.1% 11.9% 11.2% 4 11.7% 9.2% 10.0% 9.2% 9.6% 10% 11.3% 10.5% 10.8% 2 8.9% 9.1% 8.8% 7.5 7.9% 7.8 7.6 6.8 7.9 7.3% 7.6 7.7 6.8% 7.7 6.8 0 0% 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 2+ Real Estate Secured 1st Lien ($) 2+ Real Estate Secured 2nd Lien ($) 2+ Unsecured Personal Credit and Other ($) 2+ Real Estate Secured 1st Lien (%) 2+ Real Estate Secured 2nd Lien (%) 2+ Unsecured Personal Credit and Other (%) Notes: (1) Excludes businesses that have been disposed of by HSBC Finance Corporation. (2) 2+ Delinquency ratio as a percentage of end-of-period customer loans. 3

HSBC Finance Corporation (1) Consumer and Mortgage Lending run-off portfolio (2)(3) Amount Written-Off, US$bn Impairment Allowance, US$bn 8 20% 3 30% 6.2 6.1 5.9 5.8 5.8 5.6 5.6 5.6 5.4 15% 2.0 2 20% 1.6 1.5 12.3% 12.1% 4 11.9% 12.0% 10% 1.2 1.0 1.0 10.1% 10.1% 1.0 1.0 9.6% 9.5% 9.5% 1 10% 12.3% 0.7 10.5% 5% 9.8% 8.1% 8.1% 7.3% 7.7% 8.0% 6.2% 0 0% 0 0% 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 Loan Impairment Charges, US$bn 2+ Delinquency, US$bn 2 25% 1.8 9.5 10 30% 9.3 9.1 8.9 8.6 8.4 8.3 7.9 7.8 20% 1.4 1.4 1.3 1.2 20% 15% 1.0 0.9 0.9 1 5 18.0% 18.3% 13.9% 17.7% 0.7 16.7% 10% 15.6% 15.5% 14.6% 14.4% 14.2% 10% 9.1% 8.9% 8.4% 8.3% 5% 7.5% 7.0% 6.2% 6.5% 0 0% 0 0% 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 Notes: (1) Excludes businesses that have been disposed of by HSBC Finance Corporation. (2) Excludes reverse repurchase balances. (3) Amount written-off and loan impairment charge ratios are a percentage of average total loans (quarter annualised), while impairment allowance and 2+ delinquency ratios are a percentage of 4 end-of-period total loans.

HSBC Finance Corporation (1) Impairment allowance Consumer & Mortgage Lending Run-off Portfolio (2) US$m 1,829 6,106 951 113 1,402 855 1,285 724 100 5,631 1,230 13 880 91 5,415 98 113 16 109 1,019 717 974 993 1,648 1,152 1,016 1,459 0 C C C C 1 C C C r C r 2 O r O r O r O r O r O r O O 1 e e e e 1 e e e e 1 I I I I I I I I / / / / / / / / L h L h L h L h - L h L h L h L h - - W W W W W W W W n n n t t t t t t t t u Q O Q O Q O Q O u Q O Q O Q O Q O u Q Q Q Q Q Q Q Q J J J 3 4 1 2 3 4 1 2 Q Q Q Q Q Q Q Q 3 4 1 2 3 4 1 2 3 4 1 2 3 4 1 2 Notes: (1) Excludes businesses that have been disposed of by HSBC Finance Corporation. (2) Other is related to the unwind of the discount recognized as impairment allowances represent the present value of expected future cash flows. 5