Standard Chartered Investor overview February 2026 Standard Chartered history spans over 170 years We operate in the world's most dynamic markets Present in 54 markets; using the power of our network to maximise opportunities for people and businesses who trade, operate, or invest across our markets. Our diverse experience, capabilities and culture set us apart Our locations Europe and America Our Americas franchise is focused on CIB business, and our London headquarters also services our Private Bank clien ...

Financial Performance - Underlying profit before tax increased by 9% year-over-year at constant currency, driven by a 5% growth in operating income[4] - Wealth Solutions achieved a record quarter, with income up 27% year-over-year at constant currency, supported by strong performance in Investment Products[4] - Global Banking income rose by 23% year-over-year at constant currency, supported by strong origination and distribution volumes[4] - The company is upgrading its 2025 income growth guidance to be towards the upper end of the 5-7% range[4] - The company now expects to deliver an underlying Return on Tangible Equity (RoTE) of around 13% in 2025, exceeding previous guidance and accelerating delivery by a year[4] Key Metrics - Underlying RoTE was 13.4%, up 260 basis points year-over-year[7] - The income-to-cost jaws were positive at 1%[8] - The CET1 ratio was 14.2%, down 18 basis points quarter-over-quarter[9] - Tangible Net Asset Value (TNAV) per share was 1,684 cents, up 4 cents quarter-over-quarter[10] Expenses and Credit Quality - Operating expenses increased by 4% year-over-year at constant currency, driven by targeted business investments[11] - Credit impairment was $195 million[6] - The loan-loss rate was 24 basis points in the quarter[20]