Standard Chartered Plc · LSE:STAN
Standard Chartered — Investor Day (May 2026)
54 slides from Standard Chartered's investor day presentation, May 21, 2026
Slide 1: Investor Event: China and rest of the world
Investor Event China and rest of the world The big hourglass opportunity Ben Hung President, International 21 May 2026
Slide 2: The super-connector: Bridging China and rest of the world
CONFIDENTIAL The super-connector: Bridging China and rest of the world Foreign direct investment (FDI) Portfolio investment 1 3 institutional Outward FDI Wealth & China Accelerating 4 Accelerating Renminbi and Digital Assets Institutional Inward FDI investors Rest of the world Moderating Acceleratin
Slide 3: Fundamental rebalancing in capital flows between China and RoW: FDI
FDI CONFIDENTIAL Fundamental rebalancing in capital flows between China and RoW China has become one of the world's largest outward FDI markets Increasing flows into emerging markets China FDI flows1 ($bn) Emerging markets FDI inflows2 ($bn) 200 800 150 700 100 600 Net balance ASEAN 50 500 Outward F
Slide 4: Fundamental rebalancing in capital flows: Institutional investors
Institutional investors CONFIDENTIAL Fundamental rebalancing in capital flows between China and RoW HK capital markets firing on all cylinders Global investors re-engage with China via HK mega IPOs IPO funds raised in HK1 China offshore bond issuance2 Top 5 largest HK IPOs in 20251 (HK$bn) (HK$bn) 2
Slide 5: China has the world's largest savings pool yet to be financialised
Wealth & Institutional CONFIDENTIAL China has the world’s largest savings pool yet to be financialised China has the world’s largest savings pool… …yet to be financialised and internationally diversified Household deposits1 ($tn) ~120% of Household assets allocation2 25 nominal GDP China USA 20 15 ~
Slide 6: RMB & Digital Assets: Optionality in a more fragmented dollar-based world
RMB & Digital Assets CONFIDENTIAL Optionality in a more fragmented dollar-based world Clients are increasingly searching for another option to US dollar Digital assets providing alternative rail to traditional payments % of China goods trades RMB turnover through CIPS1 Market cap of stablecoins2 ($b
Slide 7: The big hourglass opportunity
CONFIDENTIAL The big hourglass opportunity China Financialisation of RMB & China household assets RMB and digital Wealth & China is stepping digital Capital HK SG assets provide institutional up outward FDI Foreign investors re- assets optionality engage with China financial assets World 7
Slide 8: Investor Event: China
Investor Event China Capturing the tailwinds from China's economic transformation Jean Lu CEO, China 21 May 2026
Slide 9: China: Key growth drivers in the face of emerging structural shifts
China: Key growth drivers in the face of emerging structural shifts The emergence of Digital transformation The changing role Rising wealth The transition a multi-polar and and evolving client of banks in serving participation reshaping economy and multi-aligned world expectations the real economy c
Slide 10: China: A story of two-speed economy
Macro China: A story of two-speed economy #2 economy Top manufacturing #1 goods trade Top 3 outward FDI • Contributed to ~30% of world GDP growth1 • #1 production in >220 industrial • 2025 trade surplus hit record $1.2tn3 • Ranked top 3 globally for 13 products2 years4 World's second largest economy
Slide 11: Opportunities amid economic transformation and opening
Macro Opportunities amid economic transformation and opening Market access Technology & Go Wealth Net zero and RMBI innovation global diversification transition 30% 54% +23% >RMB 50tn >20% of China’s cross-border goods of global share in annual outward FDI to Belt & Road household deposits mature in
Slide 12: Strong presence with unrivalled capabilities
Franchise overview Strong presence with unrivalled capabilities A leading 168 years The largest international bank in China longest operating history network income originator in our Group Market leading qualifications for Best-in-class cross-border solutions Seamless onshore-offshore connectivity f
Slide 13: Our holistic China franchise across onshore and offshore
Franchise overview Our holistic China franchise across onshore and offshore 2019-2025 CAGR RMBI SC China onshore income 3% China listed banks income1 2% CIB Global Foreign bank peer average income2 1% Network Chinese SC China network income 12% China trade volume 3 5% China outward FDI flows 4 4% SC
Slide 14: Financial performance
Financial performance Financial performance Network strength underpinning strong income growth Income mix pivoting to higher returning businesses China onshore income1 ($bn) Onshore income split by product line +3% CAGR 1.2 CCPL & Other Unsecured Lending Deposits & Mortgages Wealth Solutions Global
Slide 15: CIB: Leverage our unique network to facilitate China 'going global'
Business CIB: Leverage our unique network to facilitate China ‘going global’ Onshore business anchors high returning network business Well-positioned to capture the global flows from China’s opening Income (2025) Risk-weighted assets (2025) ~0.5x China corridor teams # of China corridor bankers ~2.5
Slide 16: CIB: Focusing on the fast-growing part of the economy
Business CIB: Focusing on the fast-growing part of the economy Pivot Corporate portfolio to New Economy sectors Accelerate FI growth with cross-border solutions • Targeting emerging top players in New Economy sectors • Grow Investor & Fintech segments by supporting their overseas ambitions – Advance
Slide 17: WRB: Grow Affluent with a wealth-focused strategy
Business WRB: Grow Affluent with a wealth-focused strategy Focus on Priority Private and International Banking Wealth-focused strategy delivers strong growth • Exclusive personalised offerings including family wealth proposition Wealth Solutions income Affluent AUM1 • Flagship Priority Private Centr
Slide 18: Key messages
Key messages China’s economic transformation presents us with structural opportunities We operate the full ecosystem of our China business across onshore and offshore accompanied by strong RMB capabilities Top foreign bank partner for China corporate, institutional and affluent clients on their inte
Slide 19: Investor Event: Hong Kong
Investor Event Hong Kong A differentiated franchise delivering continuous outperformance Mary Huen CEO Hong Kong & Greater China North Asia 21 May 2026
Slide 20: HK: Key growth drivers in the face of emerging structural shifts
Structural trends HK: Key growth drivers in the face of emerging structural shifts The emergence of Digital transformation The changing role Rising wealth The transition a multi-polar and and evolving client of banks in serving participation reshaping economy and multi-aligned world expectations the
Slide 21: HK's rising role as IFC augmented by offshore financial activities
Macro HK’s rising role as IFC augmented by offshore financial activities The bridge facilitating fund flows across borders >60% ~75% #1 of China’s inward & outward FDIs are offshore RMB payments pass global cross-border wealth hub through HK1 through HK2 before 20293 Global #1 IPO hub and strong sto
Slide 22: Our franchise: Deep roots, innovation, and strong partnerships
Franchise overview Our franchise: Deep roots, innovation, and strong partnerships The oldest The youngest Partnerships 167 years of history, oldest Future ready innovative Enriched proposition and note-issuing bank, platforms broadened ecosystem household brand of HK domestic Affluent NTB ~1/4 contr
Slide 23: A journey of continuous transformation with significant milestones
Franchise overview A journey of continuous transformation with significant milestones SC Hong Kong income trajectory COVID-19 Pilot in HKMA RMB Continuous efforts Business Facility Support China AMC to issue Dedicated GBA Asia’s first retail tokenised Cathay Pacific partnership team in HK money mark
Slide 24: Financial performance
Financial performance Financial performance Consecutive record income and profit Growing faster than our peers with superior risk management Income1 ($bn) Income CAGR (2019-2025) Profit CAGR (2019-2025) +7% CAGR 7% 11% +17% CAGR 5.3 3% 2% 2019 2020 2021 2022 2023 2024 2025 SC HK Peers 2 SC HK Peers
Slide 25: CIB: Unique China opening proposition underpinned by our network
Business CIB: Unique China opening proposition underpinned by our network Inbound business anchored on China’s two-way opportunities Inbound income surged despite muted domestic conditions Chinese corporates expanding into Europe & US FIs accessing CIB income split by origination overseas markets th
Slide 26: CIB: Sharpen our proposition to fuel the next wave of China opening
Business CIB: Sharpen our proposition to fuel the next wave of China opening Our priority initiatives Capture growing cross-border hedging and treasury demands Strengthen go-global proposition supporting client growth Global Markets: CASA balance of China China inbound income inbound • Deepen our co
Slide 27: RMBI: Leading capabilities across multiple dimensions
Business RMBI: Leading capabilities across multiple dimensions ✓ 22% market share in Bond Connect1 ✓ RMB services in 35 markets ✓ 23% market share in Stock Connect2 ✓ Global connectivity, with dedicated ✓ CNH CASA balance up ~70% over 2019-2025 Centre of Excellence team, corridor bankers and RMB spe
Slide 28: Case study: Empowering Chinese clients to pursue growth ambitions
Business Case study: Empowering Chinese clients to pursue growth ambitions Stage 1: Initial development Stage 2: Regional expansion Stage 3: ‘Go global’ and Stage 4: High-quality growth and local expansion and diversification internationalisation and green transformation Emerged as the leading domes
Slide 29: WRB: Proven Affluent engine enabling strong income growth
Business WRB: Proven Affluent engine enabling strong income growth Products Service >30% CAGR for HK Wealth #1 Net Promoter Score in HK for Solutions income, open architecture 2023-2025 two consecutive years and diversified products HK Affluent income CAGR 2023-2025 >20% HK net new money HK Affluent
Slide 30: WRB: Turbocharge the engine to further scale the growth
Business WRB: Turbocharge the engine to further scale the growth Our priority initiatives Capture Affluent and Global Chinese growth Enhance Global Chinese proposition to deliver more integrated experience HK WRB income • Expand Priority Private footprint from 7 to 10 centres Affluent Others CAGR •
Slide 31: WRB: Dual engines to capture the full spectrum of clients
Business WRB: Dual engines to capture the full spectrum of clients Product offerings Private Bank Priority Advisory-led Modern Private Discretionary Propositions proposition to infrastructure catering to the Primary bond capture affluent and subscription cross-border clients younger generation Prior
Slide 32: At the forefront of Hong Kong's digital asset development
Business At the forefront of Hong Kong’s digital asset development HK is a trusted digital asset (DA) hub for global markets SC leads the industry across the value chain Dual regulators committed to pro-innovation regulation Building the common infrastructure across the DA value chain… • HKMA → Prud
Slide 33: Key messages
Key messages Hong Kong sits at the intersection of multi-directional flows further enhancing its position as a cross-border financial hub We are uniquely positioned with a targeted strategy to deliver outperformance Clear priorities to drive future growth: Accelerate Affluent, RMBI and business inno
Slide 34: Investor Event: Digital Assets
Investor Event Digital Assets Connecting traditional finance and the emerging digital economy Geoff Kot Margaret Harwood-Jones Global Head, CIB Business Platforms & Global Head, Financing & Enterprise Co-Head of AI Securities Services Rene Michau Global Head, Digital Assets 21 May 2026
Slide 35: Key growth drivers in the face of emerging structural shifts
Key growth drivers in the face of emerging structural shifts Structural trends changing client needs play to our trusted competitive advantages, reinforcing the logic of our strategy The emergence of Digital transformation The changing role Rising wealth The transition a multi-polar and and evolving
Slide 36: What you will hear today
What you will hear today What Digital Assets Our digital asset journey; Structural shifts that How we are generating are and why from exploration to Digital Assets are value today, as deepening blockchain matters scalable client-led driving across client relationships solutions financial markets tra
Slide 37: What are Digital Assets?
What are Digital Assets? Digital Assets (DA): representations of value or rights on blockchains – “on chain” – facilitating faster, programmable settlement Stablecoins Tether Circle Anchorpoint Cryptocurrencies Tokenised Deposits Programmable bank deposits Bitcoin Ethereum Digital Assets Tokenised A
Slide 38: Why do Digital Assets matter?
Why do Digital Assets matter? Existing Blockchain Customer benefits infrastructure • Fragmented • Shared, programmable ledger • Atomic settlement • Programmable assets • Sequential • Enabling near-real time: • Straight-through lifecycle management o trade execution • Reconciliation heavy o asset own
Slide 39: We have a broad range of Digital Asset capabilities
We have a broad range of Digital Asset capabilities… The key to sustainable growth will be expanding these across our footprint 2016-2021 2021-2025 2026 onwards Exploration Foundation Scaling & Integrating Portfolio of ecosystem solutions Building institutional-grade capabilities Portfolio of ecosys
Slide 40: …including strategic investments through SC Ventures
…including strategic investments through SC Ventures Tokenise Settle Custodise Trade Lend How can we tokenise real- How do we settle digital How can we secure and How do we safely and How can we enable credit world assets? assets in real-time? transfer digital assets? reliably trade digital assets?
Slide 41: Digital Assets are driving structural shifts across financial markets
Digital Assets are driving structural shifts across financial markets Digital asset (DA) markets are small but growing rapidly; clients increasingly engaging with the asset class and technology 1 2 Money is increasingly digitised & moving outside traditional rails Tokenisation remains modest but gro
Slide 42: Digital Assets are driving structural shifts across financial markets
Digital Assets are driving structural shifts across financial markets Digital Asset (DA) markets are small but growing rapidly; clients increasingly engaging with the asset class and technology 3 4 Financial intermediation is being re-wired The convergence of Agentic AI & DA unlocks a new ecosystem
Slide 43: Our competitive advantages, that translate to value
Our competitive advantages, that translate to value Banking the Digital Ecosystem Providing regulated banking, payments, liquidity and risk infrastructure for digital asset firms to operate at institutional scale This three-pronged approach: • Defends and grows our core banking franchise revenues Bl
Slide 44: We bank the digital ecosystem
Banking the Digital Ecosystem We bank the digital ecosystem We are a Super-Connector for interaction across ecosystem participants, creating network effects as client participation scales Cryp lecoin to Exc Nati b Sta suers han ve ge Is s s r ye A Fu Man ss rce & pla et nd h eCom inTec s an gers me
Slide 45: Blockchain as infrastructure: interoperability across networks
Blockchain as Infrastructure Blockchain as infrastructure: interoperability across networks • Public blockchains • Cross-border payments • Public permissioned blockchains • DA Trading • Private blockchains We are a Super-Connector delivering • Tokenised Real-World Assets institutional-grade, network
Slide 46: Enabling access to Digital Assets as an asset class
Digital Assets as an asset class Enabling access to Digital Assets as an asset class Creating client propositions to access, transact and safely hold Digital Assets as an asset class within a bank-grade framework Access Custody SC Research: Dedicated Digital Assets Research desk Custodial services a
Slide 47: In conclusion
In conclusion We have been early Institutional adoption of Emergence of new Value is being generated movers in building Digital Assets is moving networks on blockchains is today as deepening client digital asset from early adoption to a significant opportunity relationships translates capabilities t
Slide 48: Speaker bios
CONFIDENTIAL Speaker bios Ben Hung is President, International. He sits on the Group’s Management Team and is Chairman of the Bank’s businesses in China, Hong Kong and Singapore. Prior to his current role, Ben was CEO, Asia, preceded by CEO of Retail and Wealth Management globally. He is an economic
Slide 49: Speaker bios
CONFIDENTIAL Speaker bios Mary Huen is CEO, Hong Kong and Greater China & North Asia. Mary has over 30 years of experience in business management and banking services. She joined the Bank in 1991 and has held key senior management positions across balance sheet product management, wealth management
Slide 50: Speaker bios
CONFIDENTIAL Speaker bios Margaret is the Global Head, Financing and Securities Services (FSS) at Standard Chartered, with responsibility for providing strategic leadership and driving business performance for FSS globally. Based in London, she is a member of the Corporate and Investment Banking (CI
Slide 51: Select technical and abbreviated terms
CONFIDENTIAL Select technical and abbreviated terms Term Definition Term Definition Access An example of an access trade is an international financial institution entering into a total return swap Credit grade. Credit grades are indicators of likelihood of default. Credit grades 1 to 12 are assigned
Slide 52: Select technical and abbreviated terms
CONFIDENTIAL Select technical and abbreviated terms Term Definition Term Definition ETH (ether) The native currency of the Ethereum network and is the second largest cryptocurrency by market cap IPO Initial public offering Ethereum A blockchain network that supports cryptocurrencies and programmable
Slide 53: Select technical and abbreviated terms
CONFIDENTIAL Select technical and abbreviated terms Term Definition Term Definition Non- RoTE Return on tangible equity Are resources engaged on a time and materials basis where task selection and supervision is the outsourced RoW Rest of the world responsibility of the Bank, such as agency workers
Slide 54: 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