Standard Chartered Plc · LSE:STAN
Standard Chartered — Investor Day (May 2026)
21 slides from Standard Chartered's investor day presentation, May 19, 2026
Slide 1: From transformation to outperformance
Investor Event Wealth & Retail Banking From transformation to outperformance Judy Hsu CEO, Wealth & Retail Banking 19 May 2026
Slide 2: We are investing to capture the changing needs of our clients
CONFIDENTIAL We are investing to capture the changing needs of our clients… 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 e
Slide 3: As we sit at the intersection of structural wealth flows
CONFIDENTIAL ....as we sit at the intersection of structural wealth flows Hong Kong and Singapore are emerging as the fastest-growing global wealth hubs, with cross-border wealth bookings projected to grow 12% per annum through 20303 60% of HNW clients in Asia Estimated >$80 trillion global ex Japan
Slide 4: Executing strongly to accelerate growth in Affluent
CONFIDENTIAL Executing strongly to accelerate growth in Affluent Investing for growth Asset under management (AUM) trend ($bn) Focused Affluent Brand & Marketing Advance Digital Platforms 447 Expand High-Net-Worth: Private and Priority Private Strengthen International Banking and Wealth Proposition
Slide 5: Aligning KPIs throughout the organisation to drive success
Aligning KPIs throughout the organisation to drive success… >130k new Affluent clients1 acquired for ~400k Client acquisition 13 consecutive quarters Total International clients Doubling2 of +28% Deepen relationships net new money to $52bn AUM per client2,3 RM capacity & +18%2 +23%2 productivity Rel
Slide 6: Leading to strong growth and improved returns
…leading to strong growth and improved returns WRB income Wealth Solutions income 2023 2025 $bn $bn +9% CAGR 8.7 +26% CAGR 7.4 WRB RoTE growth 3.1 2.0 16.3% 19.4% 2023 2025 2023 2025 Affluent share of WRB Income1 WRB deposits Affluent AUM $bn +14% CAGR $bn +28% CAGR 63% 70% 258 198 447 272 Net liqui
Slide 7: We have built a diversified Wealth Solutions business
We have built a diversified Wealth Solutions business… Wealth Solutions income by market Wealth Solutions income by product Return on total Wealth AUM (%) FY’25 Investment Products income / average total +26% CAGR CAGR wealth AUM, annualised3 3.1 9% 1.5% 36% 1.4% 1.4% 1.3% 2.0 1.2% 1.2% $3.1bn 1.0%
Slide 8: And we are outperforming our peers
….and we are outperforming our peers 3rd largest wealth manager in Asia1 Net new money equivalent to 15% of AUM AUM grew 29% double that of peers2 outpacing peers at 15%3 #5 #3 2020 2025 FY25 AUM ($bn) Peer A Peer B 15% 29% SC Asia 422 Peer C 15% 7% Peer D Peer E Top Asia peers SC Asia Top Asia peer
Slide 9: Two mutually reinforcing engines driving sustained growth
Two mutually reinforcing engines driving sustained growth Generates high quality client flows Differentiated Leading Client Ecosystem Wealth Engine Deepens share of wallet
Slide 10: Differentiated ecosystem accelerating quality client growth
Differentiated ecosystem accelerating quality client growth Drives consistent, higher-quality growth Connected Client network continuum Steady, repeatable pipeline of clients Digital • Well-established cross-border referral processes Banks for Differentiated SME & • Analytics-driven continuum progre
Slide 11: Client continuum as a competitive advantage
Client continuum as a competitive advantage Total clients Income contribution Income Clients up-tiering (#’000) ($m) (Wealth vs others2) (#’000) FY 2025 Net worth > $10m 8 14% Private AUM>$1m Priority Private 74 26% Priority to PP 16 AUM>$100k Priority 1,345 50% Premium to Priority 64 AUM>$25k Premi
Slide 12: International Banking driving accelerated Affluent growth
International Banking driving accelerated Affluent growth 4 international wealth hubs Cross-border referrals2 # of International clients • Hong Kong 1.3x 1.4x • Singapore • UAE • Jersey 2023 2025 2023 2025 …with ~400k international clients1, of which 1/3rd are multi-market International income Inter
Slide 13: Priority Private is an attractive segment with compelling economics
Priority Private is an attractive segment with compelling economics Income Net new money • We have launched Priority Private (PP) in top 7 markets with 20 PP wealth centres 1.8x 10x • Around three-quarter of PP clients upgraded from within, creating a highly scalable model • It is the highest-return
Slide 14: Fast-scaling Private Bank, climbing from #8 to #5 in Asia
Fast-scaling Private Bank, climbing from #8 to #5 in Asia • We are now the 5th largest Private Bank in Income Net new money Asia 1.5x 2x • We have invested in talent. RM base has increased by 30% and UHNW client base by 80% over the last 2 years • Private Bank has superior client economics, is profi
Slide 15: Built a high-performing and sustainable RM advantage
Built a high-performing and sustainable RM advantage We are hiring experienced, high quality RMs… …and enabling them to stay, perform and grow with us Growth in total RMs1 Growth in senior RMs1,2 • Well managed attrition • 1/3rd of our RMs are from internal referrals +18% +40% • RM value proposition
Slide 16: SME is an attractive source of HNW clients
SME is an attractive source of HNW clients WRB serves both sides of the client needs – Business and Individual SME-Affluent client AUM 5x Client profile: Medium enterprise client expanding overseas 1x SME Affluent Single segment With SME Affluent client relationship Comprehensive cross-border soluti
Slide 17: Our Digital Banks – Mox & Trust as part of the client continuum
Our Digital Banks – Mox & Trust as part of the client continuum Create a wealth incubator and future Affluent client pipeline Accumulated Captured ~2 million >16% % who begin investing in university or early adulthood2 clients bankable population1 Gen Z (14-29) 36% Millenials (30-45) 17% >50k ~1 mil
Slide 18: Leading wealth engine
Leading wealth engine Driving speed, scaled delivery and performance for clients CIO proprietary House views performance published quarterly insights and advice Open architecture >100 traditional and alternative asset managers partner co-creation and 50+ counterparties for capital market structured
Slide 19: We are rewiring our Affluent and Wealth franchise
INTERNAL We are rewiring our Affluent and Wealth franchise Autonomous self-serve Human-augmented ▪ Speed ▪ Accessibility ▪ Trust ▪ Complexity Advisory Scale consistent, high-quality advice Onboarding Deepening Streamline and Grow share of wallet accelerate turnaround and client value Prospecting Ser
Slide 20: We are bringing our targets one year forward
We are bringing our targets one year forward Metrics Existing target Revised target (2025-2029) $200bn Net new money $200bn in 4 years Cumulative in 5 years (2025-2028) Double digit Wealth income Double-digit 3-year CAGR CAGR 5-year CAGR (2026-2028) Affluent as a % 75% 75% of WRB income by 20291 by
Slide 21: 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