Financial Data and Key Metrics Changes - Income at constant currency decreased by $130 million or 3%, with business momentum recovering nearly two-thirds of the $380 million lost due to lower interest rates [12][13] - Wealth Management achieved a record quarter, up 20% year-on-year, while Financial Markets income excluding DVA increased by 7% year-on-year [13][19] - Reported underlying profit before tax improved by 18% to $1.4 billion, marking the highest quarterly profit growth in several years [16] Business Line Data and Key Metrics Changes - Wealth Management income reached $640 million, $100 million higher than the previous year, driven by improved sentiment in key Asian markets [19] - Financial Markets showed growth, particularly in credit trading, which returned to profit after a loss in the previous year [20] - Retail Products and Transaction Banking faced challenges due to lower interest rates, with trade income up 7% year-on-year but cash business at a two-year low [22] Market Data and Key Metrics Changes - Loans and advances to customers grew by $10 billion or 4% in the quarter, supported by demand in key markets [27] - The stock of high-risk assets in the corporate, commercial, and institutional banking portfolio continued to trend down [36] Company Strategy and Development Direction - The company is focused on digitalization and reducing the number of physical branches, aiming to halve the branch network to around 400 over the next five years [33] - There is a strong emphasis on Wealth Management as a key strategic area, with plans to expand product offerings and improve client services [28][64] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the outlook for the remainder of the year, expecting income to stabilize and grow in the second half [30][44] - The company remains cautious about the economic situation in India and other markets, which may impact future performance [101] Other Important Information - The CET1 ratio stands at 14%, at the top of the target range, allowing for further business growth and shareholder returns [41] - The company is preparing for a more robust carbon market and has made progress in sustainable finance initiatives [8] Q&A Session Summary Question: Asset quality and loan losses outlook - Management noted a significant decrease in early alerts and stable stage 1 and 2 credit items, indicating a positive outlook for low loan losses [49][50] Question: Branch network optimization - The company plans to continue reducing branches as customer behavior shifts towards digital banking, with a target of around 400 branches [52] Question: Wealth Management performance and future expectations - Management is optimistic about Wealth Management growth, noting strong client acquisition and potential for rebound as markets reopen [56][61] Question: Revenue sustainability and market conditions - Management acknowledged that Q1 performance was influenced by favorable market conditions, but emphasized the importance of consistent client growth for future sustainability [71][72] Question: Tax rate and implications - The tax rate was lower due to increased profitability and a favorable mix of profits from lower tax rate countries, with expectations to remain around 30% for the full year [89][90]

1Q'21 Results Presentation 29 April 2021 YI tandard charcerea CONFIDENTIAL Economic recovery advanced in many of our markets in 1Q'21 We are well positioned to support our clients, colleagues and communities | --- | |-------| | | | | | → | | | | | | | | | | | | --- | --- | |-------|----------------------------------------------------------------------------| | | • We delivered a strong performance in 1Q'21 | | | o Record quarter in Wealth Management 1 ; Financial Markets ex-DVA up 7% | | 1Q'21 | o Loans and ...

Standard Chartered PLC (OTCPK:SCBFF) Q4 2020 Earnings Conference Call February 25, 2021 3:00 AM ET Company Participants William Winters - Chief Executive Officer Andrew Halford - Chief Financial Officer Conference Call Participants Ronit Ghose - Citigroup Nick Lord - Morgan Stanley Thomas Rayner - Numis Securities Limited Manus Costello - Autonomous Guy Stebbings - Exane BNP Paribas Aman Rakkar - Barclays Fahed Kunwar - Redburn Edward Firth - Keefe, Bruyette & Woods Limited Joseph Dickerson - Jefferies Will ...

FY'20 and 4Q'20 Results and investor update 25 February 2021 Income guidance, macroeconomic indicators and interest rate sensitivity 30 Vulnerable sectors and COVID-19 relief measures 35 Information for fixed income investors 38 Sustainability 50 Notes, abbreviated terms and important notice 58 2 Contents Bill Winters Group Chief Executive 3 and 19 Andy Halford Group Chief Financial Officer 4 Appendix We are weathering the health crisis and geopolitical tensions well Our strategic transformation continues | ...

Standard Chartered PLC (OTCPK:SCBFF) Q3 2020 Results Earnings Conference Call October 29, 2020 3:30 AM ET Company Participants William Winters - CEO Andrew Halford - CFO Conference Call Participants Martin Leitgeb - Goldman Sachs Ronit Ghose - Citi Rob Noble - Deutsche Bank Jason Napier - UBS, London Tom Rayner - Numis Manus Costello - Autonomous Aman Rakkar - Barclays Joseph Dickerson - Jefferies Fahed Kunwar - Redburn William Winters And good morning, good afternoon, everybody. Thanks for joining our Thir ...

3Q'20 Results Presentation 29 October 2020 Here for good Please see page 26 for an explanation of some of the technical and abbreviated terms used in this document PUBLIC Our ongoing transformation is enabling us to weather the macroeconomic storm 1 | --- | --- | |--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

Standard Chartered PLC (OTCPK:SCBFF) Q2 2020 Results Conference Call July 30, 2020 3:00 AM ET Â Company Participants | --- | |----------------------------------------------| | | | | | William Winters - CEO | | Andrew Halford - CFO | | Niluka Ratnayake - IR | | Conference Call Participants | | Jenny Cook - Exane | | Tom Rayner - Numis Rob Noble - Deutsche Bank | | Martin Leitgeb - Goldman Sachs | | Manus Costello - Autonomous | | Jeff Dickerson - Jefferies | | Nick Lord - Morgan Stanley | | Aman Rakkar - Bar ...

1H'20 / 2Q'20 Results Presentation 30 July 2020 Here for good Please see page 57 for an explanation of some of the technical and abbreviated terms used in this document Contents | --- | --- | --- | |-------|------------------------------------------------------------------------------------------------|------------| | | Bill Winters Group Chief Executive | 2 and 17 | | | Andy Halford Group Chief Financial Officer | 4 | | | Appendix | 28 | | | Vulnerable sectors, macroeconomic indicators, detailed risk data ...

Financial Data and Key Metrics Changes - Operating income increased by 2% on a reported basis and 4% on a constant currency basis, with underlying operating profit at $4.2 billion, an increase of 8% reported or 10% on a constant currency basis [12][13] - Underlying earnings per share rose by 23%, with a proposed dividend per share of $0.27, reflecting a 29% year-on-year increase [13][14] - The CET1 ratio stood at 13.8%, at the higher end of the 13% to 14% range, with a RoTE of 6.4%, up 1.3 percentage points from the previous year [14][15] Business Line Data and Key Metrics Changes - Corporate and Institutional Banking reported a 5% income growth, with a RoTE of 8.5%, while Retail Banking saw a 3% increase in income and maintained a RoTE of 12.6% [23][24] - Wealth Management experienced a 12% increase in income, with assets under management growing by 14% [25] - Financial Markets had a strong year, with a reported income increase of 12% [15][20] Market Data and Key Metrics Changes - Greater China and North Asia saw flat top-line growth, with a 3% increase in profits despite macro challenges [26] - The ASEAN & Southern Asia region contributed $1 billion in operating profit, with a 6% growth in income [27] - Africa & Middle East reported a 2% decrease in income on a reported basis but a 4% increase on a constant currency basis [28] Company Strategy and Development Direction - The company is focused on digitization, having completed the rollout of digital banks across Africa and is expanding in Hong Kong [4][5] - Sustainability is a key focus, with a commitment to help clients transition to a low-carbon economy, viewing it as a significant profit opportunity [5][9] - The company aims to double its dividend by 2021 and is committed to maintaining a strong capital base [13][14] Management's Comments on Operating Environment and Future Outlook - Management expressed caution regarding the impact of the coronavirus on income growth in 2020, expecting it to be slower than previously anticipated [6][44] - The company remains optimistic about its strategic positioning and underlying earnings momentum despite external challenges [78][71] - Management emphasized the importance of reskilling and developing the workforce to drive future growth [7][63] Other Important Information - The company completed a share buyback program and announced a second tranche to continue managing its capital aggressively [4][14] - The focus on climate change financing is highlighted, with a commitment of $35 billion towards climate-related investments [61][62] Q&A Session Summary Question: Impact of the virus outbreak on P&L - Management acknowledged uncertainty regarding the P&L impact from the virus, emphasizing a strong capital and liquidity position to weather the storm [76][78] Question: Revenue guidance for 2020 - Management indicated that achieving the 5% to 7% revenue growth target for 2020 would be challenging, citing strong underlying business momentum and benefits from legal entity restructuring [80] Question: Asset quality and RWAs - Management noted that the increase in CG 12 accounts was driven by sovereign downgrades, and overall credit quality remains stable despite monitoring for potential impacts from the coronavirus [82][84]