1. Who are Travellers? International Ties Individuals Immigrants Businesses Under X million assets

2. Why Travellers? HSBC International Expertise Growth Market High Wealth Potential

3. Immigration Growth

4. Immigrant Age Profile

5. Immigrant Regional Distribution In-migration Edinburgh (23.28%) Glasgow (21.75%) Aberdeen (12.21%) Perth (4.72%) Dundee (4.38%) Falkirk (1.16%) Dumfries (0.96%)

6. Immigrants vs. UK born Job Distribution – 49% foreign-born workers in highly skilled jobs – 42% UK-born workers in highly skilled jobs Education – 37% immigrants have degrees (46% of those arrived in last 2 years have degrees) – 17% UK-born have degrees

7. Immigrants vs. UK born Determinants of Immigrant Earnings – English Language Skills – Work Experience – Education – Ethnicity – Agency working – Length of time in the UK Large variation in labour market outcomes

8. Target Immigrant Profile Age: 20s Education: University Degree High English Language Skills Non-Agency Employed Outside The A8 Employed In, Or Seeking, A High Skill Job

9. Why Immigrants? Immigrants Growth Education Job Distribution Wealth Potential

10. Why Immigrants? Immigrants 165,100 since 2006 Education Job Distribution Wealth Potential

11. Why Immigrants? Immigrants 165,100 since 2006 20% more degrees than UK Job Distribution Wealth Potential

12. Why Immigrants? Immigrants 165,100 since 2006 20% more degrees than UK 7% more highly skilled jobs than UK Wealth Potential

13. Why Business? Not a huge stress Focus on non-cash intensive business International operation/trade HSBC value proposition is international assistance

14. Identifying Consumers HSBC Strength Is Banking Find A Partner Whose Strength Is Consumer Demographics Build A Relationship For The Future

15. Identifying Consumers

16. Targeting Consumers