Core Viewpoint - Standard Chartered Group reported a strong performance for Q3 2025, with significant year-on-year growth in both revenue and profit metrics [1] Financial Performance - Operating income reached approximately $5.11 billion, reflecting a 3% increase year-on-year [1] - Profit attributable to shareholders was $1.3 billion, marking a 13% year-on-year growth [1] - Profit attributable to ordinary shareholders stood at $1.028 billion, showing a 10% increase compared to the previous year [1] Strategic Focus - The CEO, Bill Winters, indicated an expectation to achieve a tangible return on equity of approximately 13% by 2025, one year ahead of schedule [1] - The company is enhancing its focus on cross-border and wealth banking services to meet customer demands, which is yielding positive results [1] - Revenue from wealth solutions and global banking businesses experienced strong double-digit growth, while recurring income in global markets also showed good momentum [1]

Core Insights - Standard Chartered Group reported Q3 2025 results with operating income of approximately $5.11 billion, a year-on-year increase of 3% [1] - Profit attributable to shareholders reached $1.3 billion, reflecting a 13% year-on-year growth [1] - Profit attributable to ordinary shareholders was $1.028 billion, up 10% year-on-year [1] Financial Performance - The group achieved a return on tangible equity of approximately 13%, ahead of the planned timeline by one year [1] - Strong double-digit growth was observed in both wealth management and global banking segments [1] - The recurring income in the global markets business showed positive momentum [1] Strategic Focus - The CEO, Bill Winters, emphasized the strategy of enhancing focus on cross-border and wealth banking services to meet client needs [1] - The group's broad business progress indicates effective implementation of its strategic initiatives [1]

Core Viewpoint - Standard Chartered Group reported strong financial performance for the first half of 2025, with significant increases in profit and revenue across various business segments, reflecting the effectiveness of its strategy focused on cross-border and wealth banking services [1][3]. Financial Performance Summary - For the first half of 2025, the adjusted pre-tax profit was $4.7 billion, up 22% on a constant currency basis; the reported pre-tax profit was $4.4 billion, up 30% on a constant currency basis [1]. - Basic earnings per share increased by 40.7 cents or 41% to 139.2 cents; reported earnings per share rose by 45.8 cents or 55% to 129.1 cents [1]. - The interim ordinary share dividend increased by 37% to 12.3 cents per share [1]. Revenue Breakdown - Operating income rose by 9% to $10.9 billion, with a 10% increase on a constant currency basis; excluding significant items, it increased by 13% (constant currency) [1]. - Net interest income increased by 4% to $5.5 billion (constant currency), while non-net interest income rose by 18% to $5.4 billion (constant currency), with a 25% increase when excluding significant items [1]. - Wealth solutions business grew by 24% (constant currency), driven by strong growth in capital market products [1]. - Global banking business increased by 14% (constant currency), supported by growth in lending and fee income [1]. - Global markets business rose by 28% (constant currency), with non-recurring income up by 50% and recurring income increasing by 19% [1]. Second Quarter Highlights - In Q2 2025, operating income increased by 14% to $5.5 billion (constant currency), with a 15% increase when excluding significant items [2]. - Net interest income remained stable at $2.7 billion (constant currency), while non-net interest income surged by 31% to $2.8 billion (constant currency), with a 33% increase when excluding significant items [2]. - Wealth solutions business grew by 20% (constant currency), with double-digit growth in investment products and bank insurance [2]. - Global markets business saw a significant increase of 47% (constant currency), with strong performance in both recurring and non-recurring income [2]. - Global banking business rose by 12% (constant currency), driven by increased lending and capital market activities [2]. - Adjusted pre-tax profit increased by 34% to $2.4 billion (constant currency), while reported pre-tax profit rose by 48% to $2.3 billion (constant currency) [2]. Strategic Outlook - The CEO highlighted the strong performance in the first half, emphasizing the success of the strategy focused on cross-border and wealth banking services, with record net inflows of new funds in Q2 [3]. - The company aims for a compound annual growth rate of 5-7% in operating income from 2023 to 2026 (constant currency), with expectations for 2025 growth to be closer to the lower end of this range when excluding significant items [3].