Standard Chartered PLC

Latest Results (10.11.2025):

Standard Chartered PLC reported its Q3’25 financial results with solid performance across its business lines. The bank achieved an operating income of $5.1 billion, up 5% year-on-year, driven by robust growth in Wealth Solutions and Global Banking segments. Key metrics, including a profit before tax of $2 billion and an improved Return on Tangible Equity of 13.4%, highlight the bank's resilience and strategic focus amid a challenging macro environment.

Operating Income Growth

In Q3’25, Standard Chartered PLC's operating income reached $5.1 billion, a 5% increase from Q3’24. Notably, Wealth Solutions achieved a record quarter with income up 27%, and Global Banking reported a 23% rise, reflecting strong performance driven by increased origination and distribution volumes and heightened capital markets activity.

Expense and Impairment Management

Operating expenses increased by 4% to $3 billion, reflecting targeted investments for business growth. The bank also reported a credit impairment charge of $195 million alongside restructuring and other charges of $219 million related to the Fit for Growth programme, underlining its focus on optimizing cost structures while supporting strategic initiatives.

Profitability and Capital Strength

Q3’25 results saw a profit before tax of $2 billion and a 260bps improvement in Return on Tangible Equity to 13.4%. The balance sheet remains robust, with underlying loans and advances to customers and deposits growing moderately, and a strong Common Equity Tier 1 ratio of 14.2% attesting to its sound capital position.

Strategic Guidance

The bank has upgraded its guidance for RoTE and income growth for 2025, now expecting an underlying RoTE of around 13% and a high-end growth trajectory in operating income. Standard Chartered PLC also reaffirmed its commitment to returning at least $8 billion to shareholders between 2024 and 2026, aligning with its strategic focus on high-growth business segments.