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हु standard १. chartered ७ Pre Q3’26 Consensus 19 October 2026 David Lock Global Head of Investor Relations Opeyemi Awosunle Senior Manager, Investor Relations +44 (0) 20 7885 0023 +44 (0) 20 7885 5226 Standard Chartered pre (320 consensus Q2'26 Q3'26 FY'25 FY'26 FY'27 FY'28 Profit & loss statement (Smillion) actual consensus actual consensus consensus consensus Adjusted net interest income 2,871 2,900 11,184 11,547 11,997 12,471 Adjusted non-interest income 2,831 2,684 9,758 10,875 11,918 13,039 Operating income 5,702 5,584 20,942 22,422 23,915 25,510 Operating expenses (3,196) (3,366) (13,304) (13,324) (13,718) (14,309) Profit before impairment and taxation 2,506 2,218 7,638 9,098 10,197 11,201 Credit impairment (150) (221) (672) (887) (993) (1,040) Other impairment (19) (10) (65) (43) (39) (39) Profit from associates and joint ventures (3) 5 62 (6) 15 17 Profit/(loss) before taxation 2,334 1,992 6,963 8,161 9,180 10,139 Taxation (573) (546) (1,866) (2,118) (2,458) (2,704) Profit/(loss) for the period 1,761 1,446 5,097 6,043 6,722 7,436 Minorities & AT1 (53) (275) (539) (642) (655) (657) Profit/(loss) attributable to ordinary shareholders 1,708 1,171 4,558 5,401 6,067 6,779 < Note: Consensus estimates are based on the mean average of 16 analysts for FY'26/FY'27/FY'28, and 14 analysts for Q3'26 providing estimates for the specific item, calculated on a line-by-line basis and may not be additive. Where 2 xX analysts do not provide an estimate for a specific item, they are excluded from the average for that item