Standard Chartered PLC · LSE:STAN
Standard Chartered — Investor Presentation (February 2026)
40 slides from Standard Chartered's investor presentation, February 2026
Slide 1: Standard Chartered Investor overview February 2026
Standard Chartered Investor overview February 2026
Slide 2: Standard Chartered history spans over 170 years
INTERNAL Standard Chartered history spans over 170 years 2
Slide 3: We operate in the world's most dynamic markets
INTERNAL 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 Am
Slide 4: Our business model reflects our strategy
INTERNAL Our business model reflects our strategy 4
Slide 5: Serving corporate, institutional and affluent clients
INTERNAL Serving corporate, institutional and affluent clients Corporate & Investment Banking (CIB) Wealth & Retail Banking (WRB) Ventures • Supports large corporations, governments and • Serving individual and small and medium • Comprises SC Ventures (SCV), and our two financial institutions with c
Slide 6: Income is well-diversified across products, segments and geography
INTERNAL 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 2% (2%) WRB Ventures 5% 2% 20% 1% 26% C&O 29% 20% 3% 41% 46% $20.9bn $20.9bn 5% $20.9bn 54% 59% 5% 15% 11% 15% 6% 18% 6% 8% 7
Slide 7: Loan book is broad-based
INTERNAL Loan book is broad-based Group L&A to customers1 – 31.12.25 L&A by industry1: CIB and C&O L&A by product1: WRB and Ventures 1% 5% 6% 3% 3% 6% 4% 24% 6% 5% 9% $287bn 50% $157bn $130bn 21% 44% 14% 63% 10% 12% 13% CIB Ventures Financing, insurance & non-banking Energy Mortgage WRB C&O Manufact
Slide 8: Strong and diverse deposit base
INTERNAL Strong and diverse deposit base Long term stable deposit growth since 2008 FY’25 Group customer deposits2 By segment 2% $530bn TD Non- 49% OPAC 57% CIB 47% 52% WRB Others CASA 51% OPAC 43% By market Hong Kong 12% Singapore UK 3% 3% $229bn1 34% Korea 3% China 4% Global European Managed Covid
Slide 9: Hedging strategy reducing NII volatility
INTERNAL 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
Slide 10: Capital remains above requirements
INTERNAL Capital remains above requirements Risk-weighted assets – 31.12.25 Capital metrics CET1 ratio Leverage ratio 14.1% 4.7% 3.7% 10.3% 8% 2% 31.12.25 Minimum requirements 31.12.25 Minimum requirements 22% $9.1bn shareholder distributions announced since Feb’24 $258bn Share buyback Ordinary divi
Slide 11: Delivering sustainably higher returns
INTERNAL Delivering sustainably higher returns 14.7% 11.7% 10.1% 6.5% 7.7% Underlying 6.3% 3.9% 4.7% RoTE 3.2% (0.4%) 0.3% FY’15 FY’16 FY’17 FY’18 FY’19 FY’20 FY’21 FY’22 FY’23 FY’24 FY’25 11.9% 8.4% 9.7% 6.8% 4.8% 4.8% 2.0% 1.6% 0.9% Statutory (1.2%) RoTE (5.9%) FY’15 FY’16 FY’17 FY’18 FY’19 FY’20
Slide 12: Stronger risk foundations supporting resilient performance
INTERNAL Stronger risk foundations supporting resilient performance bps 200 100% 90% 83% 150 80% 74% 70% 100 64% 60% 72 50% 50 42% 40% 30-35bps historic through the cycle 30% 19 loan-loss rate guidance 0 20% 2014 2015 2016 2017 2018 2019 2020 1 2021 2022 2023 2024 2025 2 3 Loan loss rate, LHS Invest
Slide 13: Active management of markets and capabilities
CONFIDENTIAL 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
Slide 14: 2024-2026 plan achieved a year early
INTERNAL 2024-2026 plan achieved a year early Upgraded 3-year plan achieved a year early Three-year 5-7% income CAGR achieved within two years, with ~20% income growth from 2023 to 2025 Positive income-to-cost jaws1 achieved in both 2024 and 2025 FY’25 underlying RoTE of 14.7%, exceeding the upgrade
Slide 15: Forward-looking targets will be on a reported basis
CONFIDENTIAL Forward-looking targets will be on a reported basis 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 2026 guidance Cost Reported cost1 to be broadly flat YoY RoTE Statutory RoTE in 2026 of >12% Me
Slide 16: Corporate & Investment Banking (CIB)
CONFIDENTIAL Corporate & Investment Banking (CIB) 16
Slide 17: A full service offering to a broad client base
INTERNAL 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 $12.4bn diversified across products and client segments Outer circle: Outer circle: Financial Institutions Transaction Services Corp
Slide 18: Driving increased Financial Institutions income
INTERNAL Driving increased Financial Institutions income • Financial Institutions (FI) generate higher income RoRWA compared to FI income by client segment total CIB FI income as a % of CIB 43% 54% ~60% • A broad product offering − Scalable clearing and custody services offerings +11% − Instant FX a
Slide 19: Our unique network provides a strong platform for growth
INTERNAL Our unique network provides a strong platform for growth Our network enables us to grow faster1 Cross-border (network) income diversified across many corridors Outbound Inbound 2019-2024 CAGR SC CIB network income 11% SC CIB network income 9% (ex-rates) SC CIB income 8% Avg peers equivalent
Slide 20: Overview of our Transaction Banking business
INTERNAL Overview of our Transaction Banking business FY’25 TB income by market1 Transaction Banking (TB) 18% Payments & Liquidity Trade and Working Capital 28% Clearing, payments, collections, account Documentary trade, trade lending, supply services, liquidity management chain management FY’25 inc
Slide 21: Transaction Banking financial performance
INTERNAL Transaction Banking financial performance TB income ($bn) Trade & Working Capital Payments & Liquidity +6% CAGR 5.9 5.8 5.4 1.3 1.2 1.2 3.8 3.9 3.2 1.2 2.9 1.3 1.2 4.6 1.4 4.6 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
Slide 22: Overview of Global Markets
INTERNAL 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
Slide 23: Consistent flow income growth
INTERNAL Consistent flow income growth Global Markets: Flow and episodic last 12-month rolling income1 ($bn) Episodic Flow 1.1 1.1 0.9 0.9 0.9 1.2 1.0 1.1 0.7 1.1 0.9 0.8 0.7 0.7 1.0 0.9 1.1 1.1 1.0 0.7 1.0 0.8 0.7 0.7 0.7 2.8 2.9 3.0 2.6 2.7 2.3 2.4 2.5 2.2 2.3 2.3 2.3 2.3 2.1 2.1 1.8 1.9 1.9 1.7 1
Slide 24: Overview of Global Banking
INTERNAL Overview of Global Banking Comprehensive solutions Leveraging unique network capabilities across multiple markets • 8 product verticals with comprehensive financing and advisory solutions • Bankers based in ~20 markets globally • Expertise for Corporate and FI needs across the capital struc
Slide 25: Global Banking financial performance
INTERNAL Global Banking financial performance Income ($bn) Formed Global Banking +15% YoY 2019-2025 CAGR 2.2 2.2 1.9 1.9 1.9 1.8 1.7 +8% Non-NII NII 2019 2020 2021 2022 2023 2024 2025 Income return on risk-weighted assets Risk-weighted assets Suboptimal RWA down ~70% since 2019 ~1.6x Income RoRWA Su
Slide 26: Delivering on our sustainable finance and net zero commitments
CONFIDENTIAL 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 ~$1.1bn, up 9% YoY • Already
Slide 27: Wealth & Retail Banking (WRB)
CONFIDENTIAL Wealth & Retail Banking (WRB) 27
Slide 28: Affluent is core to Wealth and Retail Banking
INTERNAL Affluent is core to Wealth and Retail Banking Affluent accounts for 70% of WRB income… …with higher share of wealth supporting income growth WRB income split (FY’25) WRB income by product (FY’25) Investment Products Affluent Bancassurance Personal & SME Deposits & Mortgages CCPL & Other Uns
Slide 29: We are a large wealth manager with three key differentiators
INTERNAL We are a large wealth manager with three key differentiators 1. Strong funnel along the client continuum 2. Local strength, global network 3. Deep wealth expertise • Client continuum offers a distinctive pipeline of • Uniquely positioned to serve both local and • Comprehensive product propo
Slide 30: Affluent continuum is a core part of our WRB strategy
INTERNAL 1 Affluent continuum is a core part of our WRB strategy FY’25 Total Affluent income Wealth income clients1 contribution vs (#’000) ($m) other products Net worth >$10m ~8 ~14% Private AUM >$1m Priority ~74 ~26% Private AUM >$100k Priority ~1,345 ~50% AUM >$25k Premium ~1,245 ~10% Total Afflu
Slide 31: Capturing international wealth flows across AAME
INTERNAL 2 Capturing international wealth flows across AAME We operate in fast-growing wealth booking centres FY’25 Affluent net new money2 Wealth in booking centres1 ($tn) NNM of $52bn equivalent to 14% growth3 of AUM 2024 2029 2024-2029 CAGR Hong Kong 2.7 3.6 6.3% $52bn International Switzerland 2
Slide 32: Differentiated wealth advisory enabled by open architecture
INTERNAL 3 Differentiated wealth advisory enabled by open architecture Handpicked portfolio solutions from leading providers Real-time access to multiple counterparties… ~100 traditional and alternative asset managers …for competitive and customised pricing Sample partners: Traditional Real-time pri
Slide 33: Strong momentum in Affluent NNM and AUM
INTERNAL Strong momentum in Affluent NNM and AUM… Top 20 wealth managers in Asia1 Outperforming financial assets growth Net new money (NNM)4 … which are expected to grow 7-9% in our footprint FY’24 Asia AUM ($bn) Market size – financial assets2 ($tn) Asia NNM 2024-2029 ($bn) Bank 1 665 CAGR 399 16.0
Slide 34: Supporting double-digit income growth in Wealth Solutions
INTERNAL …supporting double-digit income growth in Wealth Solutions Affluent AUM ($bn) Wealth Solutions income ($m) FY’25 ($m) +24% CAGR 447 3,086 367 2,490 +11% CAGR 205 +8% 272 174 255 258 240 223 199 201 170 136 140 155 135 129 117 122 Deposits 242 +16% Others1 105 Wealth 193 Investment funds 105
Slide 35: We continue to invest for growth
INTERNAL 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 m
Slide 36: Ventures and Digital Assets
CONFIDENTIAL Ventures and Digital Assets 36
Slide 37: Innovating in our Ventures business
CONFIDENTIAL Innovating in our Ventures business Digital Banks SC Ventures (SCV) SCV maintained positive momentum, including FVOCI RoTE benefit of ~70bps in 2025 largely from Ripple and Toss Customer numbers up 15% in 2025, reaching ~750k customers Mox banks >10% of Hong Kong’s bankable population S
Slide 38: Digital asset initiatives
INTERNAL 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
Slide 39: Select technical and abbreviated terms
CONFIDENTIAL 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 NNS Net new sales bn billion PB
Slide 40: Important notice
CONFIDENTIAL 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 li
Standard Chartered — Investor Presentation (February 2026) on 6ix