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 | | ...

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) 第 2 頁 共 7 頁 v 1.3.0 FF305 確認 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24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 ...

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23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 | | | | | | | | | | 事件 | | | 已發行股份（不包括庫存股份）變動 | | 庫存股份變動 | 每股發行/出售價 (註4) | | 已發行股 ...

Financial Performance - Operating income increased by 6% to $4.8 billion, with a 7% increase on a constant currency basis[7] - Net interest income rose by 6% to $2.6 billion, driven by short-term hedging and optimization in treasury operations[7] - Non-net interest income grew by 9% to $2.2 billion, with wealth management business up 27%[7] - Pre-tax profit before exceptional items reached $1.8 billion, a 15% increase on a constant currency basis[7] - Basic earnings per share rose by 23.5 cents or 31% to 98.5 cents[10] - The pre-tax profit rose by 21% year-on-year to $4 billion, supported by effective cost control[12] - The company reported a strong financial performance for the first half of 2024, with basic operating income increasing by 13% to 99.58 billion HKD[22] - The total revenue for the first half of 2024 was $9,958 million, compared to $8,951 million in the same period of 2023, reflecting a growth of 11.2%[72] Credit and Impairment - Credit impairment charges amounted to $73 million, including $146 million related to wealth management and retail banking[7] - Credit impairment charges increased by 77 million to 249 million, reflecting normalization in wealth management and retail banking[9] - Credit impairment charges totaled HKD 249 million, a 45% increase compared to the previous year, with significant increases in first and second stage impairments[37] - The annualized loan loss rate for the first half of the year was 18 basis points, reflecting a stable credit environment[29] - Credit impairment net reversal amounted to $35 million, due to slight new impairments being offset by reversals from prior provisions and sovereign rating upgrades[57] - The total credit impairment for the first half of 2024 was projected at 40 million, with a recovery of 130 million from previously written-off amounts[179] Capital and Shareholder Returns - Common equity tier 1 capital ratio improved to 14.6%, above the target range of 13-14%[7] - The company announced a $1.5 billion share buyback program, expected to reduce the common equity tier 1 capital ratio by approximately 60 basis points[7] - Interim ordinary share dividend increased by 50% to $0.09 per share, equivalent to $230 million[7] - The board announced an interim ordinary share dividend of HKD 0.09 per share, a 50% increase from the previous dividend, and initiated a new share buyback plan of HKD 1.5 billion following a previous buyback of HKD 1 billion[25] - The tangible shareholder equity return is projected to steadily rise from 10% in 2023 to 12% by 2026[22] Wealth Management - Wealth management business grew by 25%, with new sales netting over 13 billion, and assets under management increased by 12% to 1,350 billion[9] - Wealth management attracted a net inflow of $23 billion in the first half of the year, moving towards a target of $80 billion[16] - Wealth solutions revenue surged by 25%, supported by the launch of new innovative products and a strong increase in new client accounts[30] Deposits and Loans - Customer loans and advances totaled $276 billion, a decrease of $8 billion or 3% since March 31, 2024[7] - Customer deposits increased by $9 billion or 2% to $468 billion since March 31, 2024[7] - Total deposits increased by 8% to HKD 1.816 billion, driven by higher deposit volumes and effective management of transfer rates in a rising interest rate environment[30] - Customer loans and advances decreased by 3% to 275,896 million, down from 283,403 million in the previous quarter[44] Economic Outlook - The global economic growth is projected at 3.1% for the year, with Asia expected to grow by 5.1% in 2024[18] - The company expects net interest income to reach between 100 billion and 102.5 billion in 2024[9] - The expected loan loss rate is normalizing towards the historical range of 30 to 35 basis points[52] Risk Management - The group is actively managing risks associated with high interest rates and inflation, particularly in the real estate sector in China[86] - The group is closely monitoring sovereign risks in emerging markets across Asia, Africa, and the Middle East due to geopolitical and macroeconomic challenges[85] - The company maintains a diversified investment portfolio across products and regions, monitoring geopolitical and macroeconomic risks[109] Digital Banking - The digital bank Mox in Hong Kong has approximately 600,000 customers, with revenue rising nearly 20% in the first half of the year[16] - Digital banking revenue increased by 77% to HKD 62 million, reflecting ongoing investments in digital transformation despite an overall loss in venture capital business[33] Operational Efficiency - The cost-to-income ratio improved by 4 percentage points to 57%, with positive income growth outpacing expense increases[26] - The liquidity coverage ratio improved to 148%, up from 145%[10] - The company aims to save approximately $1.5 billion through the "Efficiency Gain" program over the next three years[14] Employee Engagement and Development - Over 70% of employees have signed up for flexible work arrangements, indicating a focus on productivity, collaboration, and well-being[123] - The company provides online learning platforms to help employees enhance skills and undergo reskilling[121] - The company has an internal talent marketplace allowing employees to participate in projects for diverse experiences and career opportunities[123]

NII was $2.6 billion, up 6%. Wealth Solutions continues to drive the strong growth in non-NII, which was up 9%. Operating expenses were up 4% due to inflation and continued investment into business growth initiatives. Pre-provision operating profit was up 13% in the second quarter and was up 26% in the first-half demonstrating our strong progress towards sustainably higher profitability. Average interest earning assets were down 4% in the quarter primarily due to a reduction in treasury. Looking forward to ...