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： 2024年10月31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 ...

Financial Data and Key Metrics Changes - The company reported a 12% increase in income and a 41% rise in profit before tax for Q3 2024, leading to an upgrade in income growth guidance towards 10% for the year [2][33] - Operating income reached $4.9 billion, with net interest income (NII) at $2.6 billion, up 9%, and non-net interest income increasing by 15% [5][6] - Return on Tangible Equity (RoTE) improved to 10.8%, up 4 percentage points year-on-year [6] Business Line Data and Key Metrics Changes - Wealth Solutions achieved a record quarter with income up 32%, driven by a 40% increase in investment products and a 16% rise in bancassurance income [9][20] - Global Markets income grew by 16%, while Global Banking saw a 7% increase [16][18] - Wealth and Retail Banking income rose by 11% to $2 billion, with significant inflows of affluent net new money totaling $10 billion in Q3 [20] Market Data and Key Metrics Changes - Underlying customer deposits increased by $3 billion, primarily from affluent clients in Wealth and Retail Banking [13] - The company noted a slight decline in total underlying customer loans and advances due to disciplined mortgage origination in Wealth and Retail Banking [12] Company Strategy and Development Direction - The company is doubling its investment in wealth management, targeting a 50% increase in relationship managers over the medium term [3][27] - A focus on cross-border corporate and investment banking capabilities will be sharpened, with plans to exit around 3,000 lower-returning CIB clients [30][31] - The company aims for RoTE to approach 13% by 2026 and has increased its shareholder distribution target from at least $5 billion to at least $8 billion over the next three years [3][32] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in navigating complexities in the market, particularly in China, where ongoing investment opportunities are anticipated [92][96] - The outlook for NII growth in 2025 is more challenging due to various factors, including interest rate dynamics and the impact of reshaping activities in mass retail [8][64] Other Important Information - The company is undergoing a three-year "Fit for Growth" program, expecting to achieve significant cost savings starting in 2025 [10] - Credit impairment trends remain positive, with a net release in Corporate and Institutional Banking (CIB) [10][11] Q&A Session Summary Question: Income growth expectations for 2025 - Management indicated that income growth in 2025 is expected to be slightly below the medium-term range of 5% to 7%, with consensus around 3% being a possibility [35][41] Question: Impact of mass retail business restructuring - The restructuring is expected to be financially dilutive in the short term, but management believes it will lead to higher returns in the long run [44][46] Question: Wealth management seasonality and capital return targets - Seasonality is expected in Q4, but management remains optimistic about the wealth management business due to strong activity levels [67][71] - The increased capital return target of at least $8 billion does not include hidden costs related to the restructuring [69][73] Question: Retail restructuring and RM hiring - The $1.5 billion investment is primarily in current expenses aimed at generating revenue, with a small portion potentially capitalized [84][87] - Relationship managers are expected to become profitable within 18 to 24 months after hiring [85][86]

CONFIDENTIAL Q3'24 Results presentation 30 October 2024 CONFIDENTIAL Opening remarks 2 Q3'24 performance • Income up 12% YoY with record performance in Wealth Solutions • Continued cost discipline with expenses up 2% YoY; Fit for Growth programme well underway • TNAV per share up 18% YoY to $15.09 Upgraded guidance • Income growth towards 10% in 2024 • Shareholder distributions of at least $8bn for 2024-2026 • RoTE approaching 13% in 2026 ▶ Overview Income Expenses Impairment Balance sheet Capital Business ...

Investment Rating - The report assigns a positive outlook on Standard Chartered PLC with a focus on outperforming the market in the next 12-18 months [6][12][15] Core Insights - Standard Chartered's Q3 2024 revenue and profit exceeded Bloomberg consensus expectations, with a year-on-year revenue growth of 11.4% compared to the expected 7.0% [2][6] - Net interest income grew by 9.1% year-on-year, surpassing the consensus forecast of 7.9%, while other income increased by 14.0%, exceeding the expected 6.3% [2][6] - The bank's net interest margin (NIM) rose by 32 basis points to 1.95%, higher than the expected 1.80% [3][7] - Customer loans and advances grew by 2.2% year-on-year, which was below the expected growth of 3.0%, while customer deposits increased by 5.5%, exceeding the forecast of 4.6% [2][6] Summary by Sections Revenue and Profit - The underlying operating income for Q3 2024 was reported at $4.712 billion, reflecting a growth of 7.0% year-on-year, which is above the consensus estimate [5] - The audited pre-tax profit showed a significant increase of 172.0% year-on-year, surpassing the expected growth of 134.1% [2][5] Credit Quality - Credit impairment losses were reported at $178 million, a decrease of 39.5% year-on-year, which was lower than the consensus estimate of $275 million [3][6] - The non-performing loan (NPL) ratio was reported at 2.27%, down 13 basis points from the previous quarter and lower than the expected 2.67% [3][7] Capital Ratios - The Common Equity Tier 1 (CET1) ratio increased by 30 basis points year-on-year to 14.2%, slightly below the consensus forecast of 14.44% [3][7] - The Return on Tangible Equity (RoTE) rose by 3.8 percentage points to 10.8%, exceeding the expected 10.3% [3][6]

FF305 FF305 | 於下列日期結束時的結存 (註5及6) | | 2024年10月29日 | 2,461,407,119 | | 0 | | 2,461,407,119 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | B. 贖回/購回股份 (擬註銷但截至期終結存日期尚未註銷) (註5及6) | | | | | | | 1). | 於2024年10月28日購回但尚未註銷 | | 1,625,981 | 0.066 % | GBP | 8.6147 | | | | 變動日期 2024年10月28日 | | | | | | | | 2). | 於2024年10月29日購回但尚未註銷 | | 1,601,449 | 0.065 % | GBP | 8.8485 | | | | 變動日期 2024年10月29日 | | | | | | | 備註： 本公司已發行股本變動由2024年10月29日起 (倫敦時間)生效。 第 2 頁 共 7 頁 v 1.3.0 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 ...

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 （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） 管理層中期報告 二〇二四年第三季度業績 目錄 除文義另有所指外，於本文件內，「中國」指中華人民共和國，且僅就本文件而言不包括香港特別行政區（香港）、澳門特別行政區（澳門）及台 灣。「韓國」或「南韓」均指大韓民國。 於本報告的表格內，空格指該數字未被披露，破折號指該數字為零，而nm則代表無意義。渣打集團有限公司於英格蘭及威爾士註冊成立為有 限公司。渣打集團有限公司的總部設於倫敦。 本集團的總辦事處提供管治指引及監管準則。渣打集團有限公司的股份代號為：香港聯交所：02888及倫敦證券交易所：STAN.LN。 渣打集團有限公司 二〇二四年第三季度業績 渣打集團有限公司 — 截至二〇二四年九月三十日止第三季度之業績 除另有說明外，所有數字均按基本基準呈 ...

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： 2024年10月29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 ...

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： 2024年10月28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 ...

| 1). | 於2024年10月21日購回但尚未註銷 | | 1,224,857 | 0.0496 % | GBP | 8.4087 | | --- | --- | --- | --- | --- | --- | --- | | | 變動日期 | 2024年10月21日 | | | | | | 2). | 於2024年10月22日購回但尚未註銷 | | 1,550,168 | 0.0628 % | GBP | 8.3989 | | | 變動日期 | 2024年10月22日 | | | | | | 3). | 於2024年10月23日購回但尚未註銷 | | 1,637,996 | 0.0663 % | GBP | 8.4917 | | | 變動日期 | 2024年10月23日 | | | | | | 4). | 於2024年10月24日購回但尚未註銷 | | 1,651,541 | 0.0669 % | GBP | 8.5358 | | | 變動日期 | 2024年10月24日 | | | | | FF305 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 ...

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： 2024年10月25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 。 FF305 確認 根據《主板上市規則》第13.25C條 / 《GEM上市規則》第17.27C條，我們在此確認，據我們所知所信，第一章節所述的每項股份發行或庫存股份出售或轉讓已獲發行人董事會正式授權批准，並遵 照所有適用上市規則、法律及其他監管規定進行，並在適用的情況下： (註7) | 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 | | ...