Core Insights - Standard Chartered Group reported a record high operating income of $19.7 billion for the full year 2024, representing a 14% increase on a constant currency basis [1] - In the fourth quarter, operating income rose by 21% to $4.8 billion [1] - The company announced a $1.5 billion share buyback program and proposed a final dividend of $0.28 per share [1]

免責聲明 | 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因 | 公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 | | --- | --- | | | 股票發行人現金股息（可選擇貨幣）公告 | | 發行人名稱 | 渣打集團有限公司 | | 股份代號 | 02888 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 2024年末期股息 | | 公告日期 | 2025年2月21日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 末期 | | 股息性質 | 普通股息 | | 財政年末 | 2024年12月31日 | | 宣派股息的報告期末 | 2024年12月31日 | | 宣派股息 | 每 股 0.28 USD | | 股東批准日期 | 有待公佈 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | HKD， 金額有待公佈 | | 匯率 | 有待公佈 | | 第一項可選擇貨幣之派息金額 | 每 股 0. ...

Financial Performance - Standard Chartered PLC reported its annual results for the year ending December 31, 2024[3]. - Total revenue for the company reached 193.576 billion, with a decrease of 1.9% compared to the previous period[120]. - The company reported a total of HKD 124,501 million in revenue for 2023, with a credit impairment of HKD 2,358 million, reflecting a coverage ratio of 1.0%[124]. - Total revenue for 2024 reached HKD 118,398 million, with a credit impairment of HKD 1,953 million, reflecting a coverage ratio of 1.1%[121]. - The total balance sheet amount reached $1,096,548 million in 2024, up from $1,055,148 million in 2023, indicating a growth of about 3.9%[100]. Risk Management - The company emphasized the importance of effective risk management as a core aspect of its banking operations[6]. - The enterprise risk management framework was reviewed and approved by the board annually, with the latest version effective from August 2024[6]. - The group employs a three lines of defense model for effective risk management and governance[11]. - The risk function oversees and challenges the group's risk management to ensure alignment with regulatory expectations[10]. - The group aims to balance risk and return to provide sustainable performance for stakeholders[6]. Credit Risk Management - The company conducts regular monitoring of credit risk, portfolio performance, and emerging risks, with reports submitted to the risk committee[35]. - The group considers expected credit impairment when debtors are overdue by more than 90 days or show signs of inability to fulfill credit obligations[42]. - The group employs a Value at Risk (VaR) model to quantify potential losses due to adverse market movements, calculated at a 97.5% confidence level for one business day[45]. - The group uses two VaR calculation methods: historical simulation and Monte Carlo simulation, with the latter capturing specific credit spread risk factors[45]. - The group has established a clear risk category framework to manage inherent risks within its strategic and business model[21]. Compliance and Regulatory Oversight - The group is actively monitoring regulatory developments and taking proactive compliance actions due to the changing regulatory environment[25]. - The group submitted a self-assessment report on resolvability to the Bank of England and the Prudential Regulation Authority, with a public disclosure scheduled for August 2024 as part of the second resolvability assessment framework cycle[56]. - The company implements policies and standards to mitigate compliance risks, ensuring adherence to legal regulations[70]. - The group conducts regular performance monitoring of model risks and reports results to relevant committees[78]. - The group is implementing a compliance roadmap in response to the evolving regulatory framework surrounding model risk management[77]. Credit Impairment and Losses - The credit impairment charge for the group was a net expense of 547 million (as of December 31, 2023: 508 million), with wealth management and retail banking generating a net expense of 644 million (as of December 31, 2023: 354 million)[94]. - The total credit impairment for the wealth management and retail banking business with collateral was 132,113 million as of December 31, 2023, a decrease of 574 million from the previous period[139]. - The total credit impairment for the unsecured wealth management and retail banking business was 61,619 million as of December 31, 2023, down by 650 million compared to the prior period[141]. - The overall credit impairment ratio was 1.7%, with Stage 1 at 0.2%, Stage 2 at 4.4%, and Stage 3 at 63.6%[111]. - The total credit impairment for 2024 is projected at 160,395 million, a decrease of 3,561 million compared to the previous year[178]. Asset Quality and Loan Performance - The total amount of loans classified as higher risk was HKD 1.833 billion, indicating a cautious approach to lending[117]. - The total amount of loans in the "satisfactory" category for 2024 is 50,594 million, with a credit impairment of 56 million[115]. - The total amount of customer loans classified as satisfactory was 510 million HKD in 2024, down from 997 million HKD in 2023, a decrease of about 48.8%[191]. - The average loan-to-value ratio for performing commercial real estate loans increased to 54% (as of December 31, 2023: 52%)[95]. - The total amount of loans and advances for commercial real estate in 2024 is 14,037 million, down from 14,533 million in 2023[189]. Strategic Initiatives and Future Outlook - The company plans to enhance market expansion strategies and invest in new technologies to drive future growth[112]. - The company is actively pursuing new product development in wealth management to cater to evolving customer needs and preferences[185]. - The group aims to enhance its risk management practices by improving non-financial risk management in its business and operational markets by 2025[25]. - The group is focused on integrating the enterprise risk management framework throughout the organization[28]. - The group aims to promote revenue growth while maintaining its risk appetite, with a structured risk appetite statement approved by the board[16].

Financial Performance - Standard Chartered PLC reported its financial results for the year ending December 31, 2024, reflecting a comprehensive income statement and balance sheet as of the same date[3]. - The group achieved a total revenue of £3.40 billion, representing a 5% increase in adjusted pre-tax profit compared to the previous year[11]. - The group achieved a pre-tax profit margin of 76% in 2024, compared to 78% in 2023[16]. - The company's profit before tax for 2024 was $6,014 million, representing a 17.9% increase from $5,093 million in 2023[71]. - The net profit for the year was $4,042 million, an increase of 16.7% compared to $3,462 million in 2023[71]. - The company's total comprehensive income for the year ended December 31, 2024, was HKD 3,472 million, a decrease of 18.5% from HKD 4,263 million in 2023[73]. - The adjusted profit before tax for the group is set at HKD 6.807 billion, reflecting an increase from the previous year's adjusted profit before tax of HKD 6.014 billion[56]. - The total profit attributable to ordinary shareholders for 2024 is HKD 3,593 million, an increase from HKD 3,017 million in 2023[166]. Audit and Compliance - The audit covered financial data from 10 entities across 8 countries, ensuring a thorough review of the group's financial statements[11]. - The company emphasized the importance of maintaining independence in its audit processes, adhering to ethical standards in financial reporting[8]. - The financial statements were prepared in accordance with UK International Accounting Standards and EU International Financial Reporting Standards, ensuring compliance and transparency[9]. - The audit team engaged in regular interactions with local management and audit teams to ensure comprehensive oversight[20]. - The audit included a review of the completeness and accuracy of key data elements significant to the simulated expected credit loss outputs[30]. - The company has not identified any significant misstatements in the strategy report or board report during the audit process[62]. Risk Management - The group has identified key emerging risks that may impact its operational continuity and is actively managing these through rigorous assessments and stress testing[12]. - Climate risk management is integrated into the group's risk framework, addressing stakeholder concerns about economic impacts[22]. - The group assessed the potential impact of climate change on its business and financial statements during the audit process[22]. - The overall assessment of credit risk triggers has increased significantly, reflecting heightened uncertainty and volatility in the macroeconomic and geopolitical landscape[34]. - The company has established a general model for assessing climate risk impacts across six priority development industries[89]. Credit Risk and Impairment - The company is focused on enhancing its credit risk management, particularly in assessing the impairment of investments in subsidiaries and joint ventures[11]. - The group reported a credit impairment provision of 5.267 billion as of December 31, 2024, compared to 5.601 billion in 2023[27]. - The assessment of expected credit loss provisions includes a focus on risks associated with commercial real estate in mainland China and Hong Kong[34]. - The total credit impairment for the group is 547 million in 2024, up from 508 million in 2023[147]. - The expected credit loss model incorporates various macroeconomic variables, including GDP growth and interest rates, to assess credit risk[130]. Capital and Liquidity - The group maintained a strong capital position, with liquidity ratios exceeding regulatory requirements, indicating robust financial health going into 2025[12]. - The group has sufficient capital and liquidity to meet minimum regulatory capital and liquidity requirements[102]. - The group’s capital and leverage ratios have been analyzed, ensuring compliance with capital requirements[102]. Investments and Mergers - The group has outlined a strategic plan for potential mergers and acquisitions to bolster its market presence and operational capabilities[12]. - The investment in Bohai Bank has been identified as impaired due to its market value being significantly lower than the book value and the bank not paying dividends for the second consecutive year[37]. - The group holds a 16.26% stake in Bohai Bank, qualifying it as an associate company due to significant influence[36]. Operating Income and Expenses - Operating income for the group was reported at 83% in 2024, a decrease from 87% in 2023[16]. - Operating expenses for 2024 totaled $12,502 million, an increase of 8.2% from $11,551 million in 2023[71]. - The company's total liabilities rose to HKD 798,404 million, an increase of 3.4% from HKD 772,491 million in 2023[75]. Shareholder Returns - The proposed final ordinary share dividend for 2024 is HKD 0.28 per share, which will be recorded as retained earnings distribution in the financial statements for the year ending December 31, 2024[162]. - The company announced a share repurchase plan on February 23, 2024, with a total cost of 10.00 billion for repurchasing shares, totaling 113,266,516 shares, which is approximately 4.25% of the issued ordinary shares at the start of the plan[78]. Future Outlook - The company plans to continue its investment strategy, focusing on capitalizing on software and expanding its market presence[79]. - The company believes that the short-term quantifiable impact of climate risk is limited, while long-term risks are expected to be addressed through business strategies and financial planning[92].

Financial Performance - The group's operating income increased by 14% to $19.7 billion, with a 12% increase when excluding significant items and reclassifications[8]. - Net interest income rose by 10% to $10.4 billion, and non-interest income increased by 20% to $9.3 billion[8]. - The group reported a 39.2 cents increase in basic earnings per share to 168.1 cents, and a 32.7 cents increase in reported earnings per share to 141.3 cents[8]. - Revenue growth for the year was reported at 14% on a constant currency basis, reflecting strong performance linked to significant market opportunities[14]. - Basic earnings per share increased by 30% to 168.1 cents, with a proposed final dividend of 28 cents per share[43]. - The company reported a profit of HKD 4.1 billion for the period, compared to HKD 3.5 billion in the previous year[168]. - The basic earnings per share for 2024 was HKD 141.3, an increase of 30.1% from HKD 108.6 in 2023[190]. Wealth Management - Wealth management business achieved a record growth of 29%, with investment products and bank insurance showing double-digit growth[8]. - Wealth management business revenue grew by 29% compared to 2023, with double-digit growth in investment products and banking insurance[15]. - The net inflow of new funds in wealth management and retail banking reached $44 billion in 2024, a 61% increase from the previous year[26]. - The wealth solutions business saw a 36% increase in revenue to 561 million in the fourth quarter compared to 412 million in 2023[81]. - The company aims to achieve net new fund inflows of $200 billion between 2025 and 2029, with wealth solutions business revenue expected to grow at a double-digit CAGR during the same period[31]. Shareholder Returns - The group announced a share buyback plan of $1.5 billion and proposed a final dividend of 28 cents per share, totaling $4.9 billion in shareholder distributions since the full-year results of 2023[7]. - The company plans to return at least 8 billion to shareholders from 2024 to 2026 and aims to increase the annual dividend per share over time[10]. - The company announced an increase in annual dividends to 37 cents per share, representing a 37% increase, along with a total share buyback of 4.5 billion dollars[14]. - The total shareholder return announced since the full-year results of 2023 reached $4.9 billion, with a proposed final dividend and a $1.5 billion share buyback plan[27]. Credit and Risk Management - The credit impairment charge increased by 5% to $555 million, with a loan loss rate of 19 basis points, up 2 basis points from the previous year[8]. - Credit impairment charges amounted to 130 million, with 185 million from wealth management and retail banking, reflecting a slight quarterly increase due to rising interest rates[10]. - The company retained additional provisions of 70 million related to risks in the Chinese commercial real estate sector[59]. - The company is actively monitoring macroeconomic changes, including market and interest rate volatility, regional conflicts, and geopolitical tensions, to adjust its credit strategies accordingly[122]. - The company is closely monitoring affected industries and clients, implementing early warning systems and adjusting credit ratings as necessary[121]. Capital and Liquidity - The common equity tier 1 capital ratio stood at 14.2%, above the target range of 13-14%[8]. - The liquidity coverage ratio stood at 138%, indicating prudent asset and liability management[42]. - The common equity tier 1 capital ratio is targeted to remain flexible within the range of 13-14%[10]. - The total capital ratio was 21.5%, reflecting a decrease of 7 basis points from the previous quarter[69]. - The leverage ratio in the UK was 4.8%, significantly above the minimum requirement of 3.7%[71]. Operational Efficiency - Operating expenses are projected to be below 12.3 billion in 2026, with cost savings of approximately 1.5 billion expected from efficiency initiatives[10]. - The cost-to-income ratio improved to 51.0% in 2024 from 59.4% in 2023, showing a significant enhancement in operational efficiency[73]. - The company aims to achieve a tangible shareholder equity return close to 13% by 2026, focusing on strong revenue growth and operational efficiency[41]. - The company is investing in new technology development, aiming to enhance operational efficiency and customer experience[186]. Strategic Initiatives - The company established a long-term strategic partnership with Apollo to support financing for global infrastructure and clean energy transitions[26]. - A total investment of 1.5 billion dollars is planned to enhance services for affluent clients, with a goal of attracting 200 billion dollars in net new inflows over the next five years[15]. - The company aims to achieve net-zero emissions by 2025, marking a significant milestone in its sustainability efforts[16]. - The company is committed to enhancing community engagement and addressing urgent social changes as part of its corporate strategy[15]. Market and Economic Outlook - The company expects operating income to grow at a compound annual growth rate of 5-7% from 2023 to 2026, with 2025 growth anticipated to be below this range[10]. - The company anticipates that the global economic growth rate will slightly slow from 3.2% in 2024 to 3.1% in 2025, before accelerating to 3.3% in 2026[38]. - The geopolitical landscape and technological changes are expected to create new risks and opportunities in trade corridors and sustainable development[21]. - The company is preparing for the implications of the upcoming U.S. presidential election in November 2024, which may alter relationships with traditional allies[132]. Technology and Innovation - The company is enhancing its modeling capabilities to understand the financial risks and opportunities presented by climate change[148]. - The company is focusing on attracting and retaining talent by aligning work with personal goals and investing in skill development[156]. - The company is enhancing data risk management capabilities and controls to comply with Basel Committee's 239 requirements[154]. - The company is actively monitoring regulatory developments related to sustainable finance, ESG, digital assets, and artificial intelligence[155].

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任何 聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 STANDARD CHARTERED PLC 渣打集團有限公司 承董事會命 集團公司秘書 Adrian de Souza 香港，二○二五年二月七日 截至本公告日期，本公司的董事會成員為： 主席： José María Viñals Iñiguez 執行董事： William Thomas Winters，CBE及Diego De Giorgi 獨立非執行董事： Shirish Moreshwar Apte；Jacqueline Hunt； Diane Enberg Jurgens；Robin Ann Lawther，CBE； 梁國權 ； Maria da Conceicao das Neves Calha Ramos （ 高 級 獨 立 董 事 ） ； Philip George Rivett ； 鄧元鋆 及 Linda Yi-chuang Yueh，CBE (於英格蘭及威爾士註冊之有限責任的公眾有限公司 ...

Group 1 - Standard Chartered Group announced the appointment of Maria Ramos as the new chairman, succeeding José Viñals, who is nearing the end of his 9-year term [1] - Maria Ramos will officially take over after obtaining regulatory approval and following the company's annual general meeting on May 8, 2025 [1] - José Viñals will step down from the board at that time [1]

表格類別： 股票 狀態： 新提交 公司名稱： 渣打集團有限公司 呈交日期： 2025年2月5日 如上市發行人的已發行股份或庫存股份出現變動而須根據《香港聯合交易所有限公司（「香港聯交所」）證券上市規則》(「《主板上市規則》」)第13.25A條 / 《香港聯合交易所有限公司GEM證券 上市規則》(「《GEM上市規則》」)第17.27A條作出披露，必須填妥第一章節 。 | 第一章節 | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 | 是 | | | | 證券代號 (如上市) | 02888 | 說明 | | | | | | | | A. 已發行股份或庫存股份變動 | | | | | | | | | | | | 已發行股份（不包括庫存股份）變動 | | | 庫存股份變動 | | | | | 事件 | | 已發行股份（不包括庫存股份）數 目 | | 佔有關事件前的現有已發 行股份（不包括庫存股 份）數目百分比 (註3) | 庫存股份數目 ...

STANDARD CHARTERED PLC 渣打集團有限公司 (於英格蘭及威爾士註冊之有限責任的公眾有限公司) (編號﹕ 966425 ) (股份代號：02888) 渣打集團有限公司委任 Maria Ramos 接替 José Viñals 擔任集團主席 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性或完整性亦不發表任 何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責 任。 渣打集團有限公司（「本公司」）董事會宣佈，鑒於 José Viñals 已接近彼服務滿九年的任期，已委任 Maria Ramos（65 歲）接替 José 擔任集團主席。待取得監管批准 1 後，Maria 將於本公司在二〇二五 年五月八日舉行的二〇二五年股東週年大會後履新，而 José 屆時將自董事會退任。 Maria 於二〇二一年一月加入董事會擔任獨立非執行董事，並於二〇二二年獲委任為董事會風險委員會 主席及高級獨立董事。Maria 是一位經驗豐富的領袖，曾為銀行家，並從擔任私營及政府機構的多個領 導層要職累積了豐富經驗，包括擔任 Absa Gro ...

FF305 翌日披露報表 (股份發行人 ── 已發行股份或庫存股份變動、股份購回及/或在場内出售庫存股份) 表格類別： 股票 狀態： 新提交 公司名稱： 渣打集團有限公司 呈交日期： 2025年2月3日 如上市發行人的已發行股份或庫存股份出現變動而須根據《香港聯合交易所有限公司（「香港聯交所」）證券上市規則》(「《主板上市規則》」)第13.25A條 / 《香港聯合交易所有限公司GEM證券 上市規則》(「《GEM上市規則》」)第17.27A條作出披露，必須填妥第一章節 。 | 第一章節 | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 | 是 | | | | 證券代號 (如上市) | 02888 | 說明 | | | | | | | | A. 已發行股份或庫存股份變動 | | | | | | | | | | | | | 已發行股份（不包括庫存股份）變動 | | 庫存股份變動 | | | | | 事件 | | 已發行股份（不包括庫存股 ...