Standard Chartered PLC
F:STD

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Standard Chartered PLC
F:STD
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Price: 19.9 EUR 2.05% Market Closed
Market Cap: 50.2B EUR

Standard Chartered PLC
Investor Relations

Nestled in the heart of the financial universe, Standard Chartered PLC stands as a testament to the unyielding dynamism of global banking. Forged in the fires of history through a 1969 merger between The Chartered Bank of India, Australia, and China, and Standard Bank of British South Africa, Standard Chartered has crafted a unique niche primarily outside the Western financial world. Unlike its more domestically inclined counterparts, it gravitates towards emerging markets in Asia, Africa, and the Middle East, regions teeming with vibrant economic growth and untapped potential. This geographical focus is not just a strategic choice; it is the lifeblood of Standard Chartered's business model. By centering its operations on these burgeoning markets, the bank serves as a crucial intermediary for trade and investment flows between these areas and the developed world. Its long-standing presence and deep-rooted relationships have allowed it to navigate these territories with a finesse seasoned by decades of experience.

At the heart of Standard Chartered's money-making mechanism are its two core threads: Wholesale Banking and Consumer Banking. The Wholesale branch orchestrates high-stakes symphonies of corporate finance, crafting deals in trade finance, cash management, and foreign exchange, to name a few. This division plays a vital role in facilitating cross-border transactions for corporations, ensuring that the gears of global commerce remain well-oiled. On the flip side, the Consumer Banking arm caters to the financial needs of individuals and small businesses, offering services that range from personal loans to wealth management. These operations not only generate substantial revenue but also build enduring customer relationships, anchoring the bank's stability and continued growth. Through this intricate tapestry of services, Standard Chartered PLC not only adapts to but anticipates the evolving dynamics of global finance, sustaining its legacy and profitability amidst the unpredictable tides of the international market.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Oct 30, 2025
AI Summary
Q3 2025

Profit Growth: Profit before tax grew 9% year-on-year in Q3, with operating income up 5%.

Guidance Raised: The bank upgraded its 2025 income growth guidance to the upper end of the 5%–7% range and now expects a return on tangible equity of around 13% in 2025, a year earlier than previously guided.

Wealth & Global Banking Strength: Record quarterly results in Wealth Solutions (income up 27%) and strong Global Banking (income up 23%) were called out as key drivers.

Costs Well Managed: Operating expenses rose 4% year-on-year, in line with business investment and ongoing savings from the Fit for Growth program.

Solid Credit Quality: Credit impairment was $195 million for the quarter, with no new significant signs of stress in the portfolio.

Capital Position: CET1 ratio rose to 14.2%, up 32 basis points quarter-on-quarter, excluding the impact of the $1.3 billion share buyback.

Positive Start to Q4: Management said Q4 has started well and reiterated a positive outlook.

Cost and Returns Focus: 2026 expense guidance remains below $12.3 billion (constant currency), and management committed to positive jaws and disciplined RWA deployment.

Key Financials
Operating Income
$5.1 billion
Profit Before Tax
$2 billion
Credit Impairment
$195 million
Tangible Net Asset Value per Share
$1.75
Annualized Loan Loss Rate
24 basis points
Underlying Loans and Advances
up $2 billion QoQ
Underlying Customer Deposits
up $11 billion QoQ
CET1 Ratio
14.2%
CIB Income
$3 billion
Affluent Net New Money (Q3)
$13 billion
Affluent Net New Money (Year-to-date)
$42 billion
New-to-bank Affluent Clients Onboarded
67,000 (Q3)
Fit for Growth Run Rate Savings
$566 million
Fit for Growth Restructuring Charges (since inception)
$454 million
High-Risk Assets
up $650 million QoQ
Earnings Call Recording
Other Earnings Calls

Management

Mr. Diego De Giorgi
Group CFO & Group Executive Director
No Bio Available
Mr. Darrell Scott Ryman
Interim Group Chief Operating Officer
No Bio Available
Mr. Steve Brice
Chief Investment Officer & Head of Discretionary Portfolio Management Division
No Bio Available
Mr. Sumit Dayal
Group Head of Corporate Finance
No Bio Available
Mr. Alvaro Garrido
Interim Group Chief Information Officer
No Bio Available
Mr. Manus James MacGregor Costello
Global Head of Investor Relations
No Bio Available
Ms. Tracey McDermott CBE
Group Head of Conduct, Financial Crime & Compliance
No Bio Available
Mr. Simon Kellaway
Head of Global Sales, Financing & Securities Services
No Bio Available
Ms. Tanuj Kapilashrami
Chief Strategy & Talent Officer
No Bio Available
Mr. Pi-Cheng Hung BBS, J.P.
President of International
No Bio Available

Contacts

Address
London
1 Basinghall Avenue
Contacts
+442078858888.0
www.sc.com