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 ...

Financial Performance - The group achieved a return on tangible equity of 3.0%, which is an increase of 340 basis points compared to the previous benchmark [8]. - Operating income reached $14.76 billion, reflecting a 3% increase based on the basic benchmark [8]. - The common equity tier 1 capital ratio stood at 14.4%, exceeding the target range of 13-14% [8]. - The total shareholder return for 2020 was negative 34.6%, reflecting a decrease in profit forecasts and the cancellation of dividend payments due to regulatory requirements during the COVID-19 challenges [48]. - The company recorded quarterly revenue growth between 4% to 8% from the end of 2018 to mid-2020, despite the impact of COVID-19, with positive revenue and cost growth each quarter [53]. - The company reported a pre-tax profit of 18.41 billion, with a tangible equity return of 6.6% [103]. - Basic operating income decreased by 3% to 14,765 million in 2020 [150]. - Pre-tax profit decreased by 40% to 2,508 million, reflecting significant impacts from restructuring and goodwill impairment [149]. COVID-19 Response - The group provided $1 billion in financing at cost price to support businesses supplying anti-epidemic products and services during the COVID-19 pandemic [5]. - A global charity fund of $50 million was established to provide emergency support and long-term assistance to the most affected communities [5]. - The company provided $1 billion in credit support to customers for producing goods and services to combat the pandemic [188]. - The charity fund has provided support to communities in Malaysia, Zambia, and the UK during the pandemic [40]. - The company launched a $50 million global fund to assist individuals affected by the COVID-19 pandemic, with an immediate donation of $25 million [188]. - The company has implemented multiple comprehensive support plans for retail and corporate clients, including temporary loan repayment and interest waivers, to address the impacts of the COVID-19 pandemic [176]. Strategic Initiatives - The group is focused on sustainable finance and has set 11 sustainable development goals to align with the United Nations' objectives [7]. - The company plans to invest $1.6 billion in regulatory, strategic, network, and system enhancements in 2020, maintaining a focus on expanding its capabilities and influence [54]. - The company aims to gradually increase the annual dividend per share as it executes its strategy towards a 10% tangible equity return target [46]. - The company aims to achieve a 10% return on tangible equity, supported by its updated strategic focus [190]. - The company plans to focus on high-return and high-growth markets, aiming to lead in emerging market corporate banking [92]. Digital Transformation - The active usage rate of digital services among retail banking customers increased to 104% in 2020, up from 52% in 2019 and 2% in 2018 [54]. - The company launched its virtual bank Mox in Hong Kong and is preparing to introduce a "banking-as-a-service" model in Indonesia [57]. - Digital account opening rate rose to 80%, up from approximately 30% in 2019, while digital service usage increased to 70% from 25% [90]. - The company aims to achieve a 95% digital platform transition for customers by 2023 [90]. - The company launched a new virtual bank, Mox, which had 66,000 customers and recorded deposits of HKD 5.2 billion by the end of 2020 [90]. Market Presence - The group operates in 59 markets globally and provides services to clients in an additional 85 markets, being the only international bank with a presence in all ten ASEAN countries [26]. - The Greater China and North Asia region contributed 41% of the group's revenue in 2020, making it the largest market, serving clients in Hong Kong, mainland China, Japan, South Korea, Macau, and Taiwan [28]. - The company has been active in all ten ASEAN countries and has a strong presence in major South Asian markets, positioning itself as a preferred banking partner [26]. - The company has been operating in Africa and the Middle East for over 160 years, with a significant presence in 25 markets, including the UAE, Nigeria, and Kenya [15]. Governance and Compliance - The board welcomed new independent non-executive director Maria Ramos, enhancing its governance and expertise in the financial services sector [49]. - The company has improved its governance across various business areas, particularly in compliance with local regulatory requirements [169]. - The company has established measures to control operational risks, ensuring that operational losses do not significantly harm its business [175]. - The company has implemented enhanced third-party risk management measures following an internal review completed in Q4 2020 [177]. Sustainability and ESG - The company aims to achieve net-zero carbon emissions by 2050, integrating sustainable finance into its core value proposition [101]. - The company is committed to being a sustainable, innovative, and customer-centric bank while supporting clients in the transition to a low-carbon economy [168]. - The company has made significant contributions to local communities through its COVID-19 charity fund, raising millions from global colleagues [43]. - The company is focused on sustainable finance solutions and has integrated environmental, social, and governance risk management into its reputation risk framework [168]. Employee Engagement and Culture - The net promoter score for employees reached +17.5, an increase of 6 percentage points compared to +11.5 in 2019 [86]. - Employee engagement survey participation was 91% among 74,566 employees and 71% among 3,599 agency workers [200]. - The percentage of women in senior positions is currently 29.5%, with a mid-term target of 30% by December 2025 [196]. - The company aims to raise its "Cultural Inclusion" score to 84.5% by December 2024, with a current score of 84.5% [195].

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 | --- | --- | |--------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- ...

Financial Performance - The group reported a 5% increase in the cost-to-income ratio, rising to 59% (excluding debt value adjustments) [8] - Overall operating profit from the four major markets increased by 7% [8] - Revenue increased by 5% to 80 billion, with a 7% increase on a constant currency basis [9] - Expenses decreased by 5% to 47 billion, with a 2% decrease on a constant currency basis [9] - Earnings per share decreased by 13.2 cents or 27% to 35.9 cents [9] - The outlook for the second half of 2020 indicates potential revenue decline due to economic volatility [10] - The company reported a significant improvement in pre-provision operating profit due to strategic focus, product and regional diversification, and strict cost control, despite a decline in basic profit due to increased provisions for potential loan losses caused by the pandemic [13] - The company reported a 7% increase in overall operating profit despite the challenging environment caused by the COVID-19 pandemic and declining oil prices [18] - Profit before tax decreased by 25% to HKD 1,955 million, impacted by increased restructuring and regulatory provisions [24] - The total pre-tax profit for the first half of 2020 was 1,627 million, a decrease from 1,955 million in the first half of 2019, representing a decline of about 16.7% [68] Credit Impairment and Risk Management - Despite a significant increase in impairment charges, the group still recorded a profit [7] - Credit impairment increased significantly year-on-year, with first and second stage impairments rising by 586 million to 668 million [9] - The total credit impairment charge for the first half of 2020 was HKD 15.67 billion, a significant increase from HKD 2.54 billion in the same period of 2019 [80] - The third stage credit impairment increased by HKD 7.27 billion, with three-quarters of this related to corporate and institutional banking [80] - The expected credit loss provisions were (6.513) billion, an increase of 5% compared to the previous quarter [30] - The credit quality of the portfolio is under pressure, with expectations of further deterioration in the short-term macroeconomic outlook [31] - The total amount of Stage 3 customer loans and advances reached 8.8 billion, a 19% increase from December 31, 2019, primarily due to inflows in corporate and institutional banking [31] - The total credit impairment for Stage 1 was not significant, indicating a stable outlook for the company's credit risk management [104] Capital and Liquidity - The group maintained a strong capital position with one of the highest common equity tier 1 capital ratios in years [7] - The common equity tier 1 capital ratio increased by 90 basis points to 14.3% [9] - The liquidity coverage ratio improved to 149%, indicating strong liquidity management [23] - The group's common equity tier 1 capital ratio increased to 14.3%, exceeding the interim target range [23] - The group’s common equity tier 1 capital ratio increased by 50 basis points to 14.3%, primarily due to profits and restrictions on distributions [82] - The liquidity coverage ratio rose to 149%, up from 144% in 2019, reflecting a decrease in net outflows [82] Customer Engagement and Digital Transformation - Digital customer engagement improved by 12 percentage points to 36%, with a virtual bank in Hong Kong set to launch soon [8] - The digital channels have been significantly optimized, allowing the company to maintain client connections during social distancing measures [18] - The group is focusing on enhancing its digital capabilities in retail banking, particularly in customer acquisition, sales, and marketing, in response to changing customer expectations due to the pandemic [90] Community Support and Sustainable Finance - The group has introduced stimulus measures aimed at sustainable recovery, reinforcing its leadership in sustainable finance [8] - The company has issued nearly 300,000 applications for loan repayment deferrals and support plans, with an approval rate of nearly 98% for voluntary plans, demonstrating commitment to assist vulnerable customer groups [14] - A financing plan of $1 billion has been launched to support businesses supplying critical pandemic-related products, with nearly half of the funding already allocated to clients across Asia, Africa, and the Middle East [14] - The company has committed to a financing pledge of $75 billion for sustainable infrastructure, renewable energy, and clean technology projects, aiming for net-zero emissions by 2030 [20] - The group aims to provide $75 billion in financing for sustainable infrastructure, renewable energy, and clean technology projects by 2024, supporting the transition to a low-carbon economy [89] Operational Efficiency and Cost Management - The company remains focused on managing expenses carefully to maintain key long-term investment projects and continue transformation to seize future opportunities [13] - The cost-to-income ratio worsened due to a decrease in income and increased impairment charges [27] - The company is focusing on enhancing productivity and has accelerated projects aimed at making the organization more streamlined and flexible [18] - The group aims to keep 2020 expenditures below $10 billion, with new sustainable efficiency measures implemented to control 2021 spending as well [39] Market Challenges and Economic Outlook - The group anticipates ongoing challenges from the COVID-19 pandemic in the coming quarters [7] - The company acknowledges the ongoing uncertainty regarding the pandemic's impact on future financial performance and is focused on controllable factors [13] - The group expects continued challenges in the market but remains focused on cost management and operational efficiency improvements [50] - The ongoing geopolitical tensions, particularly between the US and China, have led to increased risks, with a significant slowdown in global trade and economic growth [89]

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 ...