Standard Chartered Plc · LSE:STAN
Standard Chartered — Investor Day (May 2026)
32 slides from Standard Chartered's investor day presentation, May 19, 2026
Slide 1: Investor Event: Corporate & Investment Banking
Investor Event Corporate & Investment Banking Strategy and growth aligned to structural shifts Roberto Hoornweg CEO, Corporate & Investment Banking 19 May 2026
Slide 2: Growth underpinned by long term structural shifts
Growth underpinned by long term 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 capital markets sus
Slide 3: We are a super-connector solving complex cross-border client needs
We are a super-connector solving complex cross-border client needs Turnaround Repositioning Return-accretive growth Structural value creation Capital allocation and discipline Focus on building cross-border Refine business model by exiting Network and product extension solutions for International no
Slide 4: We are a differentiated cross-border Corporate & Investment Bank
We are a differentiated cross-border Corporate & Investment Bank Serving a broad range of sophisticated clients Leading in our footprint across core products3 Corporates: 46% Transaction Services Financial Institutions: 54% 12% #1 #2 #6 1st Global FI Network Transaction Bank USD Clearing G-SIB to of
Slide 5: Our network drives superior growth
Network to capitalise on supply chain shifts Our network drives superior growth Our network enables us to grow faster1 CAGR Network income3 ($bn) 2019-20252 +9% CAGR SC CIB network income 9% SC CIB network income 8% (ex-rates) Avg peers equivalent CIB 6% income Global Trade Volume 6% 2019 2020 2021
Slide 6: Our network drives superior growth
Network to capitalise on supply chain shifts Our network drives superior growth Cross-border (network) income is diversified across many corridors Outbound Inbound • Strategic footprint and corridor focus to maximise growth opportunities • Global reach with deep local and regulatory expertise • Lead
Slide 7: Our network generates higher returns
Network to capitalise on supply chain shifts Our network generates higher returns • Multi-market, multi-product clients generate 5x-25x higher income Income mix • # of clients with single market/product down to 33% in 2025 from 46% in 2019 Capital-light2 Trade Lending & Financing Solutions • > 70% o
Slide 8: Our network is capturing opportunities in a reconfigured world: MNC
Network to capitalise on supply chain shifts Our network is capturing opportunities in a reconfigured world: MNC FY’25 YoY Network income growth % • China is re-routing trade flows − Our network is capturing the upside through our investments in Chinese-speaking corridor bankers • Intra-ASEAN corrid
Slide 9: Our network is capturing opportunities in a reconfigured world: FI
Network to capitalise on supply chain shifts Our network is capturing opportunities in a reconfigured world: FI FY’25 YoY Network income growth % • Clearing licenses to support banks in our footprint • Last mile connectivity and custody solutions with direct access to local markets across our footpr
Slide 10: Financial Institutions remain an area of focus
Accelerate FI growth & Elevate O2D Financial Institutions remain an area of focus Income from Financial Institutions (FI) We serve a well-diversified client base in Banks & Broker Dealers and Investors segments 54% 53% Overall CIB Income of Network income Banks (FY’23: 49.5%) (FY’23: 51%) Broker Dea
Slide 11: Our FI capabilities are differentiated and complement client needs
Accelerate FI growth & Elevate O2D Our FI capabilities are differentiated and complement client needs Our Right To Win Capabilities/Enablers • Strong presence connecting high-growth footprint • Supporting FI clients across 110+ markets1 markets with major developed economies • Last-mile connectivity
Slide 12: Our FI business is now higher returning and growing faster
Accelerate FI growth & Elevate O2D Our FI business is now higher returning and growing faster FI income by client segment FI: Higher-return, structurally resilient growth engine FI income as a % of CIB 43% 54% ~60% • Returns supported by a collateralised and higher investment-grade risk profile • Hi
Slide 13: Elevate O2D leveraging local presence in our footprint
Accelerate FI growth & Elevate O2D Elevate O2D leveraging local presence in our footprint Why Originate-to-Distribute? Origination Double-digit volume CAGR • Higher fee and capital-light income strengthening FI proposition • Helps penetrate client wallet and grow wallet share 2023 2025 2028 target •
Slide 14: Where we originate and distribute
Accelerate FI growth & Elevate O2D Where we originate and distribute Where do we originate… Where do we distribute… Origination has increased in line with strategy to grow FI We leverage our strong cross border network to distribute loans across geographies. Most of our distribution continues to be
Slide 15: Sustainable Finance growth underpinned by network, FI & O2D focus
Capitalise on Sustainable Finance opportunities Sustainable Finance growth underpinned by network, FI & O2D focus $1bn Sustainable Finance income target Mobilise $300bn by 2030 Interim 2030 Financed Emissions targets Target achieved in 2025 $157bn mobilised as of 2025 Good progress against sector ta
Slide 16: Enhanced digital capabilities for evolving client needs
Tech & operating model designed for clients Enhanced digital capabilities for evolving client needs We are building technology and capabilities that are simple, fast & connected Transaction Services Global Markets Global Banking • Mint and Burn • Digital Asset Custody • Digital Asset Trading • Digit
Slide 17: Straight2Bank(S2B)
Tech & operating model designed for clients Example: modernising platforms and channels in Transaction Services Future-ready cloud-native payment platform # of markets live with SCPay Win rate % for Cash RFP • Supporting all payments including digital currencies SCPay − Connects to blockchain and fi
Slide 18: Example: Digitisation driving growth in Global Markets flow income
Tech & operating model designed for clients Example: Digitisation driving growth in Global Markets flow income Global Markets initiatives since 2019 FXO / Rates expansion ESG products and electronification Launched Deal Contingents +11% 3.0 CAGR Scaled up Structured Notes & Deposits FX Algo Trading
Slide 19: Our strategy continues to support Group ambitions
Our strategy continues to support Group ambitions Transaction Services Global Markets Global Banking ~50% ~30% ~20% of CIB income1 of CIB income1 of CIB income1 2023-2025 2023-2025 2023-2025 (4%) income CAGR +12% income CAGR +5% income CAGR +4% CAGR ex rates +13% ex-aviation finance • Modernising pa
Slide 20: …and we are refreshing our targets to align to Group RoTE ambitions
…and we are refreshing our targets to align to Group RoTE ambitions Metrics Old targets (medium-term) Revised target Network income as ~70% ~70% % of CIB income in 2028 Financial Institutions ~60% ~60% income as % of CIB income in 2030 Positive between Income-to-cost jaws Positive over the medium-te
Slide 21: Growing connections between CIB and WRB
Growing connections between CIB and WRB Delivering institutional solutions to sophisticated private banking clients Target client universe Organisational realignment to optimise client coverage Focusing on clients requiring bespoke, institutional-level solutions: Integrated CIB-WRB coverage model: E
Slide 22: In conclusion
In conclusion Our business has transformed over recent years, and we are now a distinctive cross-border corporate & investment bank Our client base is diversified and trusts us to help them access our unique network that generates value Our FI business is higher returning and positioned for higher g
Slide 23: Appendices
Appendices 23
Slide 24: 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 $12.4bn diversified across products and client segments Outer circle: Outer circle: Transaction Services Financial Institutions Global Bankin
Slide 25: Overview of our Transaction Services business
Overview of our Transaction Services business Transaction Services Payments & Liquidity Securities & Prime Services Trade and Working Capital Clearing, payments, collections, account Custody & Clearing, Fiduciary & Fund Documentary trade, trade lending, supply services, liquidity management Services
Slide 26: Transaction Services financial performance
Transaction Services financial performance TS income ($bn) +6% CAGR 6.5 6.4 6.0 0.6 0.6 1.3 0.6 4.2 4.4 1.2 3.6 1.2 0.4 3.3 0.4 1.2 0.4 0.4 1.4 1.2 1.4 4.7 4.6 4.2 2.6 2.0 2.6 1.5 2019 2020 2021 2022 2023 2024 2025 Payments & Liquidity Trade & Working Capital Securities & Prime Services TS NII and n
Slide 27: 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 28: Consistent flow income growth
Consistent flow income growth Global Markets: Flow and episodic last 12-month rolling income1 ($bn) Episodic Flow 1.1 0.8 1.1 0.9 0.9 0.9 1.2 1.0 1.1 0.7 0.9 0.8 0.7 1.1 0.7 1.0 0.9 1.1 1.1 1.0 0.7 1.0 0.8 0.7 0.7 0.7 3.0 3.1 2.8 2.9 2.6 2.7 2.4 2.4 2.5 2.2 2.3 2.3 2.3 2.3 2.1 2.1 1.8 1.9 1.9 1.7 1.
Slide 29: Overview of Global Banking
Overview of Global Banking Comprehensive solutions Leveraging unique network capabilities across multiple markets • 8 product verticals with comprehensive financing and advisory solutions • Bankers based in ~20 markets globally • Expertise for Corporate and FI needs across the capital structure • Cl
Slide 30: Global Banking financial performance
Global Banking financial performance Income1 ($bn) Formed Global Banking +15% YoY 2019-2025 CAGR 2.4 2.5 2.2 2.1 2.2 2.0 1.9 +9% 2019 2020 2021 2022 2023 2024 2025 Aviation & Shipping Leasing Non-interest income2 NII2 Income return on risk-weighted assets Risk-weighted assets Suboptimal3 RWA down ~7
Slide 31: Sources
Sources Leading in our footprint across core products Source Joint #2. As per Coalition Greenwich Competitor Analytics – FY25. Analysis is based on SCB’s internal business structure; ranking is based on SCB #2 Transaction Bank in Asia internal revenue numbers, and the following peer group: BofA, BAR
Slide 32: 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