Standard Chartered PLC (STAN) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.250 -- 00:00:04.275 Good morning and good afternoon, everyone, and welcome to our full year 2025 results 00:00:04.275 -- 00:00:09.461 call. I'm joined here in London by Pete Burrell, our interim group CFO, and Manas Costello, 00:00:09.461 -- 00:00:13.385 our global head of investor relations. We'll take you through our results and outlook 00:00:13.385 -- 00:00:18.791 before opening up for questions. 2025 was an extraordinary year by any measure. 00:00:18.791 -- 00:00:23.236 It tested the resilience of the global system and the relevance of institutions operating 00:00:23.236 -- 00:00:28.299 within it. It was a year shaped by heightened geopolitical tension, tariff announcements, 00:00:28.299 -- 00:00:33.467 and periods of significant financial market volatility across multiple asset classes. 00:00:33.467 -- 00:00:37.794 But it was also a year that demonstrated something fundamental, that global trade, capital 00:00:37.794 -- 00:00:42.782 flows, and economic connectivity endure and even thrive, and that institutions built 00:00:42.782 -- 00:00:46.688 to support them responsibly and at scale matter more than ever. 00:00:46.688 -- 00:00:51.156 Now, when I spoke to you at our first quarter results in the immediate aftermath of the 00:00:51.156 -- 00:00:55.403 tariff announcements, I said that we were entering that period of global volatility from 00:00:55.403 -- 00:00:57.405 a position of strength. 00:00:57.405 -- 00:01:03.131 Our results for 2025 demonstrate exactly what that strength looks like in practice. 00:01:03.131 -- 00:01:06.315 Our underlying return on tangible equity for the year was 14.7%. 00:01:06.315 -- 00:01:07.857 This 00:01:07.857 -- 00:01:12.662 is not just a financial outcome. It's evidence of a strategy that's working and a franchise 0...