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Standard Chartered PLC
LSE:STAN

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Standard Chartered PLC
LSE:STAN
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Price: 1 590.5 GBX -1.33% Market Closed
Market Cap: £35.7B

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
Q4 2025
Call Date
Feb 24, 2026
AI Summary
Q4 2025

Record Income: Standard Chartered delivered record annual income of $20.9 billion for 2025, up 8% year-on-year, with broad-based growth across Wealth, Global Banking, and Global Markets.

Strong Profitability: Underlying return on tangible equity reached 14.7%, well above previous targets, and profit before tax rose 18% to $7.9 billion.

Shareholder Rewards: Announced a new $1.5 billion share buyback and raised the full-year dividend per share by 65% YoY, surpassing their 3-year distribution target a year ahead of schedule.

Cost Discipline: Operating expenses were up 4% for the year, but the bank achieved 4% positive income-to-cost jaws and improved its cost/income ratio by 80 basis points to 59%.

Guidance for 2026: The bank expects 2026 income growth at the bottom end of its historical 5%–7% range, with net interest income broadly flat and costs also targeted to be flat.

Business Momentum: The Wealth business grew 24%, with $52 billion in net new money and strong client acquisition, supporting a positive start to 2026.

Strategic Progress: Completed its 3-year plan a year early and will move to reporting only on a statutory basis going forward.

Key Financials
Income
$20.9 billion
Underlying Return on Tangible Equity
14.7%
Profit Before Tax
$7.9 billion
Reported Profit Before Tax
$7 billion
Statutory Return on Tangible Equity
11.9%
Net Interest Income
$11.2 billion
Income-to-Cost Jaws
4%
Cost/Income Ratio
59%
Credit Impairment
$676 million
Loan Loss Rate
19 basis points
Risk-Weighted Assets
$258 billion
CET1 Ratio
14.1%
Share Buyback
$1.5 billion
Shareholder Distributions
$9.1 billion (since beginning of 2024)
Wealth Solutions Income Growth
24%
Net New Money (Wealth)
$52 billion
Affluent AUM Growth
14%
Number of New Affluent Clients
275,000
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
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