Standard Chartered (STAN) Corporate presentation summary

Global presence and client focus

• Operates in 54 markets with a strong network across Asia, Africa, the Middle East, Europe, and the Americas, focusing on cross-border opportunities for corporate, institutional, and affluent clients.

• Leading wealth manager in Asia, Africa, and the Middle East, with a significant presence in ASEAN markets and a focus on affluent and high-net-worth individuals.

Financial performance and business mix

• FY'25 reported income of $12.4bn and profit before tax of $5.4bn, with return on tangible equity (ROTE) at 14.2% for CIB and 19.4% for WRB.

• Non-interest income targeted to exceed 50% of group income by 2028, improving income quality and resilience.

• Diversified customer loans ($299bn) and deposits ($553bn), with stable growth and a balanced geographic and product mix.

Risk management and capital discipline

• Loan-loss rate guidance maintained at 30-35bps through the cycle, with corporate probability of default reduced and CET1 ratio increased to 14.1%.

• Shift to higher quality, lower risk clients and a more capital-light model, resulting in improved income return on risk-weighted assets.