Pillar 3 Disclosures 30 September 2026

Pillar 3 Disclosures 30 September 2026 Incorporated in England and Wales with registered number 966425 Registered Office: 1 Basinghall Avenue, London, EC2V 5DD, EnglandContents 1 Purpose and basis of preparation 1 Frequency 1 Verification 2 Key prudential metrics 2 Table 1: Key metrics template (UK KM1) 3 Table 2: Key metrics – TLAC requirements (at resolution group level) (KM2) 4 Capital and leverage 4 Table 3: Capital base 5 Table 4: Leverage ratio 6 Table 5: LRSum: Summary reconciliation of accounting assets and leverage ratio exposures (UK LR1) 7 Table 6: LRCom: Leverage ratio common disclosure (UK LR2) 9 Table 7: LRSpl: Split-up of on balance sheet exposures (excluding derivatives, SFTs and exempted exposures) (UK LR3) 10 Table 8: Overview of risk weighted exposure amounts (UK OV1) 11 Table 9: Movement analysis for RWA 11 Table 10: RWEA flow statements of credit risk exposures under the IRB approach (UK CR8) 12 Table 11: RWEA flow statements of CCR exposures under the IMM (UK CCR7) 13 Table 12: RWA flow statements of market risk exposures under the IMA (UK MR2-B) 14 Liquidity 15 Table 13: Quantitative information of LCR (UK LIQ1) 16 Annex 1 Key metrics – Standard Chartered – Solo Consolidation 16 Table 14: Standard Chartered – Solo Consolidation – Leverage ratio 17 Annex 2 Interest rate risk in the banking book 17 Table 15: Quantitative information on IRRBB (UK IRRBB1) (Restated) 18 Forward looking statementsPurpose and basis of preparation The Pillar 3 disclosures comprise information on the underlying drivers of risk-weighted assets (RWA), capital, leverage and liquidity ratios as at 30 September 2026 in accordance with the United Kingdom’s (UK) onshored Capital Requirements Regulation (CRR) and the Prudential Regulation Authority’s (PRA) Rulebook. The disclosures have been prepared in line with the disclosure templates introduced by the PRA Policy Statement PS22/21 'Implementation of Basel standards: Final rules published in October 2021. This report presents the quarterly Pillar 3 disclosures of Standard Chartered PLC (‘the Group’) as at 30 September 2026 and should be read in conjunction with the Group’s Q3 2026 Results Statement: Balance sheet, capital and leverage. The information presented in this Pillar 3 report is not required to be, and has not been, subjected to external audit. Included within Appendix 2 is a restated UK IRRBB1 for 30 June 2026 and 31 December 2025. Frequency In accordance with Group policy the Pillar 3 Disclosures are made quarterly as at 31 March, 30 June, 30 September and 31 December in line with the PRA guidelines on materiality, proprietary and confidentiality and on disclosure frequency under Articles 432(1), 432(2) and 433 of the UK onshored CRR, and the Guidelines on disclosure requirements under Part Eight of the CRR. Disclosures are published on the Standard Chartered PLC website aligning with the publication date of the Group’s Interim, Half Year and Annual Report and Accounts. Verification Whilst the 30 September 2026 Pillar 3 Disclosures are not required to be externally audited, the document has been verified internally in accordance with the Group’s policies on disclosure and its financial reporting and governance processes. Controls comparable to those for the Group’s Q3 2026 Results Statement have been applied to confirm compliance with PRA regulations. Standard Chartered PLC | 1 | Pillar 3 Disclosures 2026Key prudential metrics Table 1: Key metrics template (UK KM1) 30.09.26 30.06.26 31.03.26 31.12.25 30.09.25 $ million $ million $ million $ million $ million Available own funds 1 Common Equity Tier 1 (CET1) capital 36,442 37,003 35,616 36,440 36,594 2 Tier 1 capital 45,524 46,088 43,707 43,949 43,109 3 Total capital 53,219 55,164 52,759 53,227 52,531 Risk-weighted exposure amounts 4 Total risk-weighted exposure amount 263,274 261,451 266,186 258,031 258,378 Risk-based capital ratios as a percentage of RWA 5 Common Equity Tier 1 ratio (%) 13.8 14.2 13.4 14.1 14.2 6 Tier 1 ratio (%) 17.3 17.6 16.4 17.0 16.7 7 Total capital ratio (%) 20.2 21.1 19.8 20.6 20.3 Additional own funds requirements based on SREP (as a percentage of risk-weighted exposure amount) UK 7a Additional CET1 SREP requirements (%) 1.88 1.88 1.88 1.88 1.88 UK 7b Additional AT1 SREP requirements (%) 0.63 0.63 0.63 0.63 0.70 UK 7c Additional T2 SREP requirements (%) 0.84 0.84 0.84 0.84 0.84 UK 7d Total SREP own funds requirements (%) 11.34 11.34 11.34 11.34 11.34 8 Capital conservation buffer (%) 2.50 2.50 2.50 2.50 2.50 9 Institution specific countercyclical capital buffer (%) 0.40 0.37 0.38 0.38 0.37 10 Global Systemically Important Institution buffer (%) 1.00 1.00 1.00 1.00 1.00 11 Combined buffer requirement (%) 3.90 3.87 3.88 3.88 3.87 UK 11a Overall capital requirements (%) 15.24 15.21 15.22 15.22 15.21 12 CET1 available after meeting the total SREP own funds requirements (%) 7.46 7.77 7.00 7.74 7.78 UK leverage ratio 13 Leverage ratio total exposure measure 991,423 980,765 953,190 938,190 936,824 14 Leverage ratio (%) 4.6 4.7 4.6 4.7 4.6 Additional leverage ratio disclosure requirements 14a Fully loaded ECL accounting model leverage ratio excluding claims on central banks (%) 4.6 4.7 4.6 4.7 4.6 14b Leverage ratio including claims on central banks (%) 4.2 4.2 4.2 4.3 4.2 14c Average leverage ratio excluding claims on central banks (%) 4.5 4.6 4.5 4.6 4.6 14d Average leverage ratio including claims on central banks (%) 4.1 4.2 4.1 4.2 4.1 14e Countercyclical leverage ratio buffer (%) 0.1 0.1 0.1 0.1 0.1 Liquidity Coverage Ratio 15 Total high-quality liquid assets (HQLA) (Weighted value -average) 189,764 189,273 187,764 185,262 182,646 UK 16a Cash outflows – Total weighted value 213,181 206,152 199,699 193,861 191,877 UK 16b Cash inflows – Total weighted value 91,726 86,050 79,478 74,049 71,495 16 Total net cash outflows (adjusted value) 121,456 120,102 120,220 119,812 120,381 17 Liquidity coverage ratio (%) 156.6 158.0 156.5 154.8 151.9 Net Stable Funding Ratio 18 Total available stable funding 495,024 484,589 475,366 464,406 450,956 19 Total required stable funding 366,511 353,442 343,641 335,038 324,273 20 NSFR ratio (%) 135.1 137.2 138.4 138.6 139.0 Standard Chartered PLC | 2 | Pillar 3 Disclosures 2026