Standard Chartered PLC · LSE:STAN
Standard Chartered — Investor Presentation (April 2026)
39 slides from Standard Chartered's investor presentation, April 2026
Slide 1: Investor overview deck April 2026
Standard Chartered Investor overview deck April 2026
Slide 2: Standard Chartered history spans over 170 years
Standard Chartered history spans over 170 years 2
Slide 3: We operate in the world's most dynamic markets
We operate in the world’s most dynamic markets Present in 54markets; using the power of our network to maximise opportunities for people and businesses who trade, operate, or invest across our markets. Our diverse experience, capabilities and culture set us apart Our locations Europe and America Afr
Slide 4: Our business model reflects our strategy
Our business model reflects our strategy 4
Slide 5: Serving corporate, institutional and affluent clients
Serving corporate, institutional and affluent clients Corporate & Investment Banking (CIB) Wealth & Retail Banking (WRB) • Supports large corporations, governments and financial institutions with • Serving individual, small and medium businesses, with a focus on affluent cross-border opportunities c
Slide 6: Income is well-diversified across products, segments and geography
Income is well-diversified across products, segments and geography FY’25 income by product and segment FY’25 income split FY’25 income by geography Outer circle: CIB 0% WRB C&O 6% 2% 20% 26% 29% 41% 20% 3% 47% $20.9bn $20.9bn 5% $20.9bn 53% 59% 6% 15% 11% 15% 6% 18% 6% 8% 8% Inner circle: Transactio
Slide 7: Loan book is broad-based
Loan book is broad-based Group L&A to customers1 – 31.3.26 L&A by industry2: CIB and C&O L&A by product2: WRB 6% 6% 3% 3% 6% 4% 24% 6% 5% 9% $294bn 50% $164bn $130bn 21% 44% 14% 63% 10% 12% 13% CIB WRB C&O Financing, insurance & non-banking Energy Mortgages Manufacturing Food & household products Se
Slide 8: Strong and diverse deposit base
Strong and diverse deposit base Long-term stable deposit growth since 2008 Group customer deposits2 By segment3 2% $542bn TD Non- 49% OPAC 57% CIB 47% 52% WRB Others CASA 51% OPAC 43% By market Hong Kong 12% Singapore UK 4% 3% 34% $229bn1 Korea 4% China Managed Covid-19 3% $542bn Global European Tai
Slide 9: Hedging strategy reducing NII volatility
Hedging strategy reducing NII volatility Hedge evolution Interest rate risk in the banking book (IRRBB) • Overall duration strategy includes: • FY’25 NII sensitivity increased due to balance sheet growth and HKD rate movements partially offset by an increase in structural hedging − Treasury structur
Slide 10: Capital remains above requirements
Capital remains above requirements Risk-weighted assets – 31.3.26 Capital metrics CET1 ratio Leverage ratio 13.4% 4.6% 3.7% 10.3% 7% 31.3.26 Minimum requirements 31.3.26 Minimum requirements 22% $9.1bn shareholder distributions announced since Feb’24 $266bn Share buyback Ordinary dividends 72% $1.5b
Slide 11: Delivering sustainably higher returns
Delivering sustainably higher returns 11.9% 9.7% 8.4% 6.8% Statutory 4.8% 4.8% RoTE 2.0% 1.6% 0.9% (1.2%) (5.9%) FY’15 FY’16 FY’17 FY’18 FY’19 FY’20 FY’21 FY’22 FY’23 FY’24 FY’25 1,730 1,541 TNAV per share 1,393 (cents) 1,249 1,277 1,249 1,224 1,215 1,192 1,164 1,168 FY’15 FY’16 FY’17 FY’18 FY’19 FY
Slide 12: Stronger risk foundations supporting resilient performance
Stronger risk foundations supporting resilient performance bps 200 100% 90% 150 80% 74% 70% 100 60% 72 50% 50 42% 40% 32 30-35bps historic through the cycle 30% loan-loss rate guidance 0 20% 2 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Q1'26 Loan loss rate, LHS 1 Investment grade as
Slide 13: Active management of markets and capabilities
Active management of markets and capabilities Investments1 New CIB presence 11.9% Digital 9.7% Banks 8.4% 6.8% Ripple 4.8% 4.8% Aviation Finance 2.0% 1.6% 0.9% AME (1.2%) full exits2 ACB Vietnam PT Bank Permata (5.9%) (15% stake divestment) (Indonesia) Statutory WRB exits3 RoTE WRB WRB WRB Lebanon P
Slide 14: 2026 targets
2026 targets Income Reported income growth YoY to be around the bottom end of 5-7% range1 NII Net interest income expected to be broadly flat YoY at ccy Guidance Cost Reported cost1 to be broadly flat YoY RoTE Statutory RoTE in 2026 of >12% 1. At constant currency and excluding material notable item
Slide 15: Corporate & Investment Banking (CIB)
Corporate & Investment Banking (CIB) 15
Slide 16: A full service offering to a broad client base
A full service offering to a broad client base We offer a diversified set of products… …to our corporate and financial institution clients CIB FY’25 income of $12.4bn diversified across products and client segments Outer circle: Outer circle: Transaction Services Financial Institutions Global Bankin
Slide 17: Driving increased Financial Institutions income
Driving increased Financial Institutions income • Financial Institutions (FI) generate higher income RoRWA compared to FI income by client segment total CIB FI income as a % of CIB 43% 54% ~60% • A broad product offering − Scalable clearing and custody services offerings +11% − Instant FX and balanc
Slide 18: Our unique network provides a strong platform for growth
Our unique network provides a strong platform for growth Our network enables us to grow faster1 Cross-border (network) income diversified across many corridors Outbound Inbound 2019-2024 CAGR SC CIB network income 11% SC CIB network income 9% (ex-rates) SC CIB income 8% Avg peers equivalent CIB 7% i
Slide 19: Overview of our Transaction Banking business
Overview of our Transaction Banking business FY’25 TB income by market1 Transaction Banking (TB) 18% Payments & Liquidity Trade and Working Capital 28% Clearing, payments, collections, account Documentary trade, trade lending, supply services, liquidity management chain management FY’25 income FY’25
Slide 20: Transaction Banking financial performance
Transaction Banking financial performance TB income1 ($bn) Trade & Working Capital Payments & Liquidity +6% CAGR 6.0 5.8 5.4 1.3 1.2 1.2 3.8 3.9 3.2 1.2 2.9 1.3 1.2 4.7 4.6 1.4 4.2 2.6 2.6 2.0 1.5 2019 2020 2021 2022 2023 2024 2025 TB NII and non-NII ($bn) TB CASA average deposits ($bn) 2019-2025 CA
Slide 21: Overview of Global Markets
Overview of Global Markets Strategically positioned across EMs Diversified Global Markets income • Unique EM franchise leveraging our global footprint • Extensive capabilities across FX, Rates, Commodities & Credit Trading − Click here to explore our Global Markets offerings & capabilities • Global
Slide 22: Consistent flow income growth
Consistent flow income growth Global Markets: Flow and episodic last 12-month rolling income1 ($bn) Episodic Flow 1.1 0.8 1.1 0.9 0.9 0.9 1.2 1.0 1.1 0.7 0.9 0.8 0.7 1.1 0.7 1.0 0.9 1.1 1.1 1.0 0.7 1.0 0.8 0.7 0.7 0.7 3.0 3.1 2.8 2.9 2.6 2.7 2.4 2.4 2.5 2.2 2.3 2.3 2.3 2.3 2.1 2.1 1.8 1.9 1.9 1.7 1.
Slide 23: Overview of Global Banking
Overview of Global Banking Comprehensive solutions Leveraging unique network capabilities across multiple markets • 8 product verticals with comprehensive financing and advisory solutions • Bankers based in ~20 markets globally • Expertise for Corporate and FI needs across the capital structure Comm
Slide 24: Global Banking financial performance
Global Banking financial performance Income1 ($bn) Formed Global Banking +15% YoY 2019-2025 CAGR 2.2 2.2 1.9 1.9 2.0 1.9 1.8 +9% Non-NII NII 2019 2020 2021 2022 2023 2024 2025 Income return on risk-weighted assets Risk-weighted assets Suboptimal2 RWA down ~70% since 2019 ~1.6x Income RoRWA Sub-optim
Slide 25: Delivering on our sustainable finance and net zero commitments
Delivering on our sustainable finance and net zero commitments Delivering on our net zero commitments • Surpassed the $1bn Sustainable Finance (SF) income target Became net zero in our own operations during 2025 including emissions from: − FY’25 SF income of ~$1.1bn, up 9% YoY • Already mobilised ~$
Slide 26: Wealth & Retail Banking (WRB)
Wealth & Retail Banking (WRB) 26
Slide 27: Affluent is core to Wealth & Retail Banking
Affluent is core to Wealth & Retail Banking Affluent accounts for ~70% of WRB income… …with higher share of wealth supporting income growth WRB income split (FY’25) WRB income by product (FY’25) Investment Products Affluent Bancassurance Personal & SME Deposits & Mortgages CCPL & Other Unsecured Len
Slide 28: We are a large wealth manager with three key differentiators
We are a large wealth manager with three key differentiators 1. Strong funnel along the client continuum 2. Local strength, global network 3. Deep wealth expertise • Client continuum offers a distinctive pipeline of • Uniquely positioned to serve both local and • Comprehensive product propositions t
Slide 29: Affluent continuum is a core part of our WRB strategy
1 Affluent continuum is a core part of our WRB strategy FY’25 Total Affluent income Wealth income clients1 contribution vs (#’000) ($m) other products Net worth >$10m ~8 ~14% Private AUM >$1m Priority ~74 ~26% Private AUM >$100k Priority ~1,345 ~50% AUM >$25k Premium ~1,245 ~10% Total Affluent ~2,67
Slide 30: Capturing international wealth flows across AAME
2 Capturing international wealth flows across AAME We operate in fast-growing wealth booking centres FY’25 Affluent net new money2 Wealth in booking centres1 ($tn) NNM of $52bn equivalent to 14% growth3 of AUM 2024 2029 2024-2029 CAGR Hong Kong 2.7 3.6 6.3% $52bn International Switzerland 2.7 3.4 4.
Slide 31: Differentiated wealth advisory enabled by open architecture
3 Differentiated wealth advisory enabled by open architecture Handpicked portfolio solutions from leading providers Real-time access to multiple counterparties… ~100 traditional and alternative asset managers …for competitive and customised pricing Sample partners: Traditional Real-time pricing from
Slide 32: Strong momentum in Affluent NNM and AUM
Strong momentum in Affluent NNM and AUM… Top wealth managers in Asia1 Outperforming financial assets growth Net new money (NNM)4 … which are expected to grow 7-9% in our footprint FY’25 Asia AUM ($bn) Market size – financial assets2 ($tn) Asia NNM 2024-2029 ($bn) Bank 1 CAGR 399 16.0% 80 Bank 2 6% 3
Slide 33: Supporting double-digit income growth in Wealth Solutions
…supporting double-digit income growth in Wealth Solutions Affluent AUM ($bn) Wealth Solutions income ($m) Deposits Wealth +24% CAGR 447 3,087 367 2,494 +11% CAGR 205 +8% 272 174 255 258 240 223 199 201 170 136 140 155 135 129 117 122 242 +16% Others1 105 193 Investment funds 105 119 118 118 Capital
Slide 34: We continue to invest for growth
We continue to invest for growth ~50% ~25% ~25% People Digital Brand, marketing & client centres • Hire senior priority RMs and wealth specialists • Upgrade digital propositions and platforms • 18 client centres globally across our wealth hubs to grow HNW and international clients and key markets •
Slide 35: Our digital banks are now reported within WRB
Our digital banks are now reported within WRB • Comprising our two majority-owned digital banks, Mox and Trust − Mox – launched in Hong Kong as a JV with HKT, PCCW and Trip.com in September 2020 Customer numbers up 15% in 2025, reaching ~750k customers − Trust Bank Singapore – launched in partnershi
Slide 36: Digital Assets
Digital Assets ZS 36
Slide 37: Digital asset initiatives
Digital asset initiatives Strategic capabilities across digital assets (DA) Access Custody Execution Tokenisation Interoperability enable clients to access DA facilitate the safekeeping of DA or facilitate clients to transact and convert assets into a token which can enable data and assets to be eco
Slide 38: Select technical and abbreviated terms
Select technical and abbreviated terms Term Definition Term Definition AAME Asia, Africa and the Middle East n.m. Not meaningful ASEAN Association of Southeast Asian Nations NII Net interest income AUM Assets under management NNM Net new money Avg Average bn billion NNS Net new sales bps basis point
Slide 39: Important notice
Important notice Forward-looking statements The information included in this document may contain ‘forward-looking statements’ based upon current expectations or beliefs as well as statements formulated with assumptions about future events. Forward-looking statements include, without limitation, pro
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