Core Viewpoint - Standard Chartered Group reported a strong performance in Q3 2025, with a net profit attributable to shareholders of $1.3 billion, reflecting a 13% year-on-year increase, exceeding market expectations [2][3]. Financial Performance - The group recorded a total operating income of $5.147 billion in Q3 2025, up 5% from $4.904 billion in the same period last year [3]. - The pre-tax profit before tax on a basic basis was $1.985 billion, a 10% increase compared to $1.805 billion in Q3 2024 [3]. - For the first nine months of 2025, the net profit attributable to shareholders reached $4.624 billion, a significant 32% increase from $3.516 billion in the previous year [3]. Revenue Composition - Net interest income slightly decreased by 1% to $2.7 billion, while non-interest income increased by 12% to $2.4 billion, becoming a key driver of profit growth [4]. - The net interest margin recorded was 1.94%, a decrease of 4 basis points from Q2 2025, but the decline was less than the previous quarter's 14 basis points [4]. Business Segments - Wealth management and global banking businesses showed strong performance, with wealth management revenue reaching $890 million, a 27% year-on-year increase [5]. - Global banking revenue also rose by 23%, reaching a quarterly record, driven by increased lending and capital market activities [5]. Cost Management - Operating expenses for Q3 2025 were $2.953 billion, a 4% increase year-on-year, primarily due to targeted investments in core businesses [5]. - Credit impairment charges were $195 million, slightly up from $178 million in the previous year, but overall remained manageable [5]. Capital and Liquidity - The Common Equity Tier 1 (CET1) capital ratio was 14.2%, slightly down by 18 basis points from the previous quarter but still above the target range [7]. - The liquidity coverage ratio improved to 151%, well above the regulatory requirement of 100% [7]. Future Outlook - Based on the strong quarterly performance, the group raised its 2025 revenue growth guidance to near the upper limit of the previous range of 5%-7% [8]. - The group reaffirmed its commitment to return at least $8 billion to shareholders from 2024 to 2026 and plans to continue increasing dividends [8].

格隆汇10月30日丨渣打集团(02888.HK)公布，2025年第三季度，经营收入上升5%至51亿美元，倘剔除 重大项目，则增加5%。净利息收入减少1%至27亿美元，非净利息收入上升12%至24亿美元，主要受财 富方案业务及环球银行业务所带动。财富方案业务收入上升27%，创下季度新高，投资产品录得强劲表 现。环球银行业务上升23%，受放贷及分销量增加，以及资本市场活动增多所带动。普通股股东应占溢 利12.08亿美元，同比增长20%。 指引：我们上调有形股东权益回报及2025年的收入增长指引。所有其他指引维持不变：收入：经营收入 于2023年至2025年按5-7%的复合年增长率增加(按固定汇率基准计算，并剔除存款保险重新分类)；正逐 步提升至接近范围上限－目前预期2025年的收入增长将接近5-7%范围的上限(按固定汇率基准计算，并 剔除重大项目）；先前指引为接近该范围的下限。资本：继续在13-14%的普通股权一级资本比率目标 范围内灵活经营；计划于2024年至2026年向股东累计回馈至少80亿美元；继续随时间提高每股全年股息 金额。目前预期2025年的有形股东权益回报约为13%，并在其后继续提升. 集团行政总裁 ...