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11月7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 ...

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11月6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 ...

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11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 ...

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11月4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 ...

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11月1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 ...

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) 董事名單與其角色和職能 自二○二四年十一月二日起，渣打集團有限公司董事會（「董事會」）成員載列如下。 非執行主席 José María Viñals Iñiguez 執行董事 William Thomas Winters，CBE（集團行政總裁）及Diego De Giorgi（集團財務總監） 獨立非執行董事 Shirish Moreshwar Apte；David Philbrick Conner；Jacqueline Hunt; Diane Enberg Jurgens; Robin Ann Lawther ， CBE: 梁國權* 註 : 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 香港，二○二四年十一月一日 董事會設立五個委員會。下表提供各董事會成員在這些委員會中所擔任的職位。 ...

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]