Financial Data and Key Metrics Changes - Q2 income increased by 15% year on year, excluding notable items, driven by double-digit growth across Global Banking, Global Markets, and Wealth Solutions [1][2] - Operating income for the Group was $5.5 billion, up 14% or 15% excluding notable items, reflecting strong performance in CIB and WRB [3][4] - Profit before tax for the quarter was $2.4 billion, up 34%, with a return on tangible equity (RoTE) of 19.7% [4][13] - Earnings per share for the first half increased by 41% year on year, with TNAV per share up 16% year on year to $16.8 [13][14] Business Line Data and Key Metrics Changes - CIB income for the quarter was $3.3 billion, up 9%, driven by a 47% increase in Global Markets income [14][15] - Wealth and Retail Banking income was up 4% to $2.1 billion, with Wealth Solutions income increasing by 20% [16] - Non-NII grew by 31% year on year, driven by strong performance in Global Markets and Wealth Solutions [6][19] Market Data and Key Metrics Changes - Underlying customer deposits increased by 4% or $19 billion in the quarter, with strong net new money from affluent clients [11][16] - Intra ASEAN corridor income increased by 17%, driven by FX and commodity trading [22] - The Group's affluent AUM reached $420 billion at the end of the first half of 2025, with an 11% CAGR since 2016 [25] Company Strategy and Development Direction - The company is focused on delivering a cross-border strategy to support client needs, with a strong emphasis on digital asset solutions and sustainable finance [21][26][30] - The Fit for Growth program aims to simplify, standardize, and digitize operations, with a target of achieving $1.5 billion in savings [8][90] - The company is committed to exceeding $8 billion in capital returns from 2024 to 2026, with a new share buyback of $1.3 billion announced [2][13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the underlying trends supporting the business, despite uncertainties in the external environment [36][41] - The outlook for net interest income (NII) is expected to be down by a low single-digit percentage year on year, with guidance for total income growth in 2025 upgraded to the bottom of the 5% to 7% range [6][19][20] - The company remains optimistic about the demand for origination in global banking, with a strong pipeline and growth in corporate lending [24] Other Important Information - The company achieved a significant gain of $238 million from the Solve India transaction, retaining a non-controlling interest in the acquiring entity [17][18] - The company is actively engaging in the digital asset space, including a joint venture to issue a Hong Kong dollar-backed stablecoin [27][29] Q&A Session Summary Question: Insights on net interest income and deposit performance - Management provided details on HIBOR assumptions and the sustainability of deposit momentum, indicating that current deposit growth is a positive sign for future asset management [33][34][36][44] Question: Wealth Solutions and net new money flow - Management acknowledged the current reliance on deposits but expressed confidence that clients will eventually shift towards higher-margin wealth products as uncertainty decreases [50][52][70] Question: Stablecoins and digital assets - Management discussed the strategic importance of digital assets and stablecoins, emphasizing their readiness to provide services in this evolving market [61][63][65] Question: Cost management and Fit for Growth program - Management clarified that the Fit for Growth program is a transformation initiative rather than a cost-cutting measure, with a focus on long-term efficiency and savings [87][90]

消息面上，渣打集团发布截至2025年6月30日止上半年业绩，基本表现下，该集团期内取得经营收入 108.99亿美元，同比增加9%；普通股股东应占溢利30.65亿美元，同比增加41%；每股基本盈利139.2美 仙。集团同时宣布进行另一轮13亿美元的股份回购，中期息增加37%至每股12.3美仙。 渣打集团(02888)午后转涨，该股早盘曾跌超4%。截至发稿，涨1.04%，报145.1港元，成交额3.82亿港 元。 ...

智通财经APP获悉，渣打集团(02888)午后转涨，该股早盘曾跌超4%。截至发稿，涨1.04%，报145.1港 元，成交额3.82亿港元。 消息面上，渣打集团发布截至2025年6月30日止上半年业绩，基本表现下，该集团期内取得经营收入 108.99亿美元，同比增加9%；普通股股东应占溢利30.65亿美元，同比增加41%；每股基本盈利139.2美 仙。集团同时宣布进行另一轮13亿美元的股份回购，中期息增加37%至每股12.3美仙。 ...

Financial Performance Highlights - The company's Q2'25 operating income increased by 14% year-over-year to $5509 million[5] - Non-Net Interest Income (Non-NII) saw a significant increase of 31% year-over-year in Q2'25, reaching $2806 million[5] - The underlying earnings per share (EPS) for H1'25 increased by 41% year-over-year to 139.2 cents[6, 42] - The tangible net asset value (TNAV) per share increased by 16% year-over-year to 1680 cents[8, 42] Capital Allocation and Shareholder Returns - A new share buyback program of $1300 million was announced[3, 39, 83] - The company is on track to return at least $8 billion to shareholders between 2024 and 2026[3, 57, 83] - Distributions of $6500 million to shareholders have been announced since FY'23 results, including $5300 million in share buybacks and $1200 million in ordinary dividends[40, 42] Business Segment Performance - Global Markets within CIB experienced substantial growth, with income up 47% year-over-year in Q2'25[43, 46] - Wealth Solutions in WRB continued its growth momentum, with income up 20% year-over-year in Q2'25[47] - Ventures segment profit before tax was $130 million in Q2'25, supported by a $238 million gain on the Solv India transaction with Jumbotail[51, 55] Strategic Outlook and Guidance - The company upgraded its 2025 income growth guidance to around the bottom of the 5-7% range at constant currency, excluding notable items[16, 57, 83] - The company expects low single-digit percentage growth in underlying loans and advances to customers for FY'25[34] - The company aims for operating expenses to be less than $12300 million in 2026[22, 57]

观点网讯：7月31日，渣打集团（02888）公布截至2025年6月30日止上半年及第二季度的业绩报告。 （注：下文提述的"元"字或"$"符号概指美元，"仙"字或"c"符号概指一百分之一美元） 其中，于第二季度，渣打集团经营收入上升14%至55亿元（按固定汇率基准计算），倘剔除重大项目， 则增加15% （按固定汇率基准计算）。 经营支出增加3%至30亿元（按固定汇率基准计算），主要由于为促进业务增长而进行的针对性投资及 通胀所致，部分被提效措施所节省的开支抵销。 －普通股权一级资本比率为14.3% （2025年3月31日：13.8%）。 －即将开始13亿元股份回购，预期会令普通股权一级资本比率下降约50个基点。 －中期普通股股息增加37%至每股12.3仙（相等于2.88亿元）。 －每股有形资产净值为16.80元，按季上升119仙。 信贷减值支出为1.17亿元；其中财富管理及零售银行业务的支出为1.53亿元，按年有所增加，按季则录 得跌幅，乃由于部分无抵押组合的支出减少所致；部分被企业及投资银行业务拨回的4,400万元所抵 销。 除税前基本溢利增加34%至24亿元（按固定汇率基准计算）；除税前列账基准溢利增加48 ...

Core Viewpoint - Standard Chartered Group (02888.HK) announced a mid-term dividend of $0.123 per share to be distributed on September 30, 2025 [1] Group 1 - The company will distribute a mid-term dividend of $0.123 per share [1]

渣打集团(02888)发布公告，该公司将于2025年9月30日派发中期股息每股0.123美元。 ...

Core Insights - Standard Chartered Group reported strong performance for the first half of 2025, with operating income reaching $10.899 billion, a year-on-year increase of 9% [1] - The profit attributable to ordinary shareholders was $3.065 billion, reflecting a 41% increase compared to the previous year [1] - Basic earnings per share rose to 139.2 cents, up 41% [1] Financial Performance - Operating income grew by 10% to $10.9 billion, and excluding significant project impacts, it increased by 13% [1] - Basic expenses rose by 4%, resulting in a positive income-to-cost growth differential of 6% [1] - Credit impairment charges amounted to $336 million, equating to an annualized loan loss rate of 19 basis points [1] - Pre-tax basic profit reached $4.7 billion, a 22% increase, with basic earnings per share benefiting from a reduction in the number of shares [1] Capital and Liquidity - The group maintained strong capital and high liquidity, with a liquidity coverage ratio of 146% [1] - The common equity tier 1 capital ratio stood at 14.3%, remaining above the target range [1] - The increase in profits was partially offset by shareholder distributions and an increase in risk-weighted assets [1] Shareholder Returns - The board announced an interim ordinary share dividend of 12.3 cents, an increase of 3.3 cents or 37% [1] - In addition to a $1.5 billion share buyback initiated in February 2025, another $1.3 billion share buyback plan is set to commence [1] Strategic Focus - CEO Bill Winters highlighted the strong performance as a reflection of the company's focus on cross-border and wealth banking strategies, achieving sustained success [2] - The second quarter saw record net inflows of new funds, with double-digit growth in wealth solutions, global markets, and global banking revenues [2] - The company effectively managed costs, credit risks, and capital while providing clients with various solutions to navigate a volatile external environment [2]

集团依然保持充足资本及高流动性，具备多元化及稳健的存款基础。流动性覆盖比率为146%，反映了 严谨的资产及负债管理。普通股权一级资本比率为14.3%，仍然高于目标范围，至于上半年的溢利增加 则部分被股东分派及风险加权资产增加所抵销。鉴于雄厚的资本实力，让董事会可宣布中期普通股股息 每股12.3仙，增加3.3仙或37%，并宣布除了在2025年二月开展的15亿元股份回购外，即将开始另一轮的 13亿元股份回购计划。 智通财经APP讯，渣打集团(02888)发布截至2025年6月30日止上半年业绩，基本表现下，该集团期内取 得经营收入108.99亿美元，同比增加9%;普通股股东应占溢利30.65亿美元，同比增加41%;每股基本盈利 139.2美仙。 在宏观环境及地缘政治局势不断变化下，集团于2025年上半年表现强劲。经营收入增长10%至109亿 元。倘剔除重大项目的影响，经营收入则上升13%。由于持续投资于不同业务计划，基本支出增加 4%，产生6%的正收入与成本增长差。信贷减值支出为3.36亿元，等于年化贷款损失率为19个基点。因 此，除税前基本溢利达47亿元，增长22%，以及每股基本盈利上升41%至139仙，亦受惠 ...

智通财经APP讯，渣打集团(02888)发布公告，该公司将于2025年9月30日派发中期股息每股0.123美元。 ...