Standard Chartered PLC Q3’26 Results 28 October 2026

Standard Chartered PLC Q3’26 Results 28 October 2026 Registered in England under Company No. 966425 Registered Office: 1 Basinghall Avenue, London, EC2V 5DD, UKContents 1 Performance highlights 2 Statement of results 3 Group Chief Financial Officer’s review 5 Financial review 11 Supplementary financial information 20 Risk review 23 Capital review 27 Financial statements 32 Other supplementary financial information 33 Important notices Unless another currency is specified, the word ‘dollar’ or symbol ‘$’ in this document means US dollar and the word ‘cent’ or symbol ‘c’ means one-hundredth of one US dollar. Unless the context requires, within this document, ‘China’ refers to the People’s Republic of China and, for the purposes of this document only, excludes Hong Kong Special Administrative Region (Hong Kong), Macau Special Administrative Region (Macau) and Taiwan. ‘Korea’ or ‘South Korea’ refers to the Republic of Korea. Within the tables in this report, blank spaces indicate that the number is not disclosed, dashes indicate that the number is zero and nm stands for not meaningful. Standard Chartered PLC is incorporated in England and Wales with limited liability. Standard Chartered PLC is headquartered in London. The Group’s head office provides guidance on governance and regulatory standards. Standard Chartered PLC stock codes are: HKSE 02888 and LSE STAN.LN.Standard Chartered PLC Standard Chartered PLC – Results for the third quarter ended 30 September 2026 All figures are presented on a reported basis and comparisons are made to 2025 on a constant currency basis, unless otherwise stated. Refer to page 4 for comparisons on a reported basis. Bill Winters, Group Chief Executive, said: “We delivered another strong quarter, with broad-based growth across our businesses and year-to-date earnings per share up 27%. We have long believed that the structural shifts in trade, investment and wealth creation would create significant opportunities for Standard Chartered, and our performance this quarter provides further evidence that we are capturing them. The consistency and breadth of our performance reflects the strength of our franchise and disciplined execution across the Group. This gives us confidence to raise our 2026 income guidance, and we now expect to deliver a RoTE of around 14% in 2026.” Selected information on Q3'26 financial performance with comparisons to Q3'25 unless otherwise stated • Operating income of $5.8bn, up 14 per cent, excluding notables2 – Net interest income1 (NII) up 9 per cent to $3.0bn; driven by volumes and improved balance sheet mix – Non-interest income1 of $2.8bn up 19 per cent; driven by strong momentum in Wealth Solutions and Global Markets – Wealth Solutions up 26 per cent, with broad-based growth in Investment Products and Bancassurance – Global Markets up 21 per cent, driven by double-digit growth in both flow and episodic income • Operating expenses of $3.4bn increased 9 per cent, also excluding notables2, largely driven by targeted investments for business growth, while maintaining positive income-to-cost jaws • Credit impairment charge down $98m to $90m, reflecting a $24m net release in Corporate & Investment Banking (CIB) and a $114m charge in Wealth & Retail Banking (WRB), which was broadly flat. • Profit before tax of $2.3bn, up 29 per cent • Return on Tangible Equity (RoTE) of 15.7 per cent, up 520bps • Balance sheet remains strong, liquid and well diversified with underlying loans and advances to customers up 4.1 per cent and underlying customer deposits were broadly flat quarter-on-quarter • Risk-weighted assets (RWA) of $263.3bn, up $1.8bn since 30.6.26; Credit risk RWA up $2.9bn, Market risk RWA down $1.1bn, and Operational risk RWA flat • The Group remains strongly capitalised with Common Equity Tier 1 (CET1) ratio of 13.8 per cent, down 31 bps quarter-on-quarter • Tangible net asset value per share of $17.26, up 2 per cent. Guidance Our revised 2026 guidance is as follows: • Operating income growth year-on-year to be above the 5-7 per cent growth range at constant currency and excluding notable2 items – Within which, net interest income1 expected to be up around 4 per cent year-on-year at constant currency • Cost-to-income ratio of around 60 per cent excluding notable2 items • RoTE to be around 14 per cent. 1 Net interest income and non-interest income are adjusted for trading book funding cost, treasury currency management activities, interest from cash collateral from trading businesses and from prime services activities. The reconciliation of adjusted and reported amounts of net interest income and non-interest income is on page 4 2 Notable items: 2026 year-to-date notable items include $11m in non-interest income and $71m in expenses, of which Q3 2026 includes $11m in non-interest income and ($3)m in expenses. Standard Chartered PLC | 1 HY26Ar53na!83 | Q3 2026 ResultsStatement of results 3 months ended 3 months ended 30.09.26 30.09.25 Change¹ $million $million % Financial performance6 Operating income 5,781 5,110 13 Operating expenses (3,411) (3,144) (8) Credit impairment (90) (188) 52 Other impairment (7) (22) 68 (Loss)/profit from associates and joint ventures (23) 10 nm Profit before taxation 2,250 1,766 27 Taxation (488) (468) (4) Profit for the period 1,762 1,298 36 Profit attributable to parent company shareholders 1,757 1,300 35 Profit attributable to ordinary shareholders² 1,504 1,028 46 Return on ordinary shareholders’ tangible equity (%) 15.7 10.5 520bps Cost-to-income ratio (%) 59.0 61.5 250bps 30.09.26 30.09.25 Change¹ $million $million % Balance sheet and capital Total assets 998,614 913,650 9 Total equity 55,187 53,220 4 Average tangible equity attributable to ordinary shareholders2 37,972 38,878 (2) Loans and advances to customers 315,237 285,127 11 Customer accounts 558,282 526,284 6 Risk-weighted assets 263,274 258,378 2 Total capital 53,219 52,531 1 Total capital ratio (%) 20.2 20.3 (12)bps Common Equity Tier 1 36,442 36,594 – Common Equity Tier 1 ratio (%) 13.8 14.2 (32)bps Advances-to-deposits ratio (%)3 53.3 50.7 260bps Liquidity coverage ratio (%) 154 151 300bps Leverage ratio (%) 4.6 4.6 (1)bp 3 months ended 3 months ended 30.09.26 30.09.25 Change¹ Information per ordinary share Earnings per share4 (cents) 68.9 44.5 55 Net asset value per share5 (cents) 2,030 1,952 4 Tangible net asset value per share5 (cents) 1,726 1,684 2 Ordinary shares in issue, excluding own shares7 (millions) 2,174 2,293 (5) 1 Variance is better/(worse) other than assets, liabilities and risk-weighted assets. Change is percentage points difference between two points rather than percentage change for total capital ratio (%), Common Equity Tier 1 ratio (%), advances-to-deposits ratio (%), liquidity coverage ratio (%), leverage ratio (%), cost-to-income ratio (%) and return on ordinary shareholders’ tangible equity (%) 2 Profit/(loss) attributable to ordinary shareholders is after the deduction of dividends payable to the holders of non-cumulative redeemable preference shares and Additional Tier 1 securities classified as equity 3 When calculating this ratio, total loans and advances to customers excludes reverse repurchase agreements and other similar secured lending, excludes approved balances held with central banks, confirmed as repayable at the point of stress and includes loans and advances to customers held at fair value through profit and loss. Total customer accounts include customer accounts held at fair value through profit or loss 4 Represents the earnings divided by the basic weighted average number of shares. Results represent three months to the end of the reporting period 5 Calculated on period end net asset value, tangible net asset value and number of shares 6 Performance/results within this interim financial report means amounts reported under UK-adopted International Accounting Standards and International Financial Reporting Standards 7 Results represent the position as at 30 September 2026 Standard Chartered PLC | 2 HY26Ar53na!83 | Q3 2026 Results