3rd Quarter Results

Summary by AI ^BETAClose X

Standard Chartered PLC reported a strong third quarter of 2026, with operating income rising 14% to $5.8 billion, driven by significant growth in Wealth Solutions and Global Markets. Profit before tax increased by 29% to $2.3 billion, and the Return on Tangible Equity (RoTE) reached 15.7%, leading the company to raise its 2026 income guidance and now expect an RoTE of around 14%. The bank maintained a strong capital position with a Common Equity Tier 1 ratio of 13.8%, and underlying loans and advances to customers increased by 4.1%.

Disclaimer*

	3 months ended	3 months ended
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
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
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)

	Q3'26	Q3'25¹	Change	Constant currency change2	Q2'26	Change	Constant currency change2	YTD'26	YTD'25¹	Change	Constant currency change2
Adjusted net interest income	2,966	2,737	8	9	2,871	3	3	8,706	8,236	6	6
Adjusted non-interest income	2,815	2,373	19	19	2,831	(1)	(1)	8,679	7,780	12	11
Operating income	5,781	5,110	13	14	5,702	1	1	17,385	16,016	9	8
Operating expenses	(3,411)	(3,144)	(8)	(9)	(3,196)	(7)	(7)	(9,747)	(9,391)	(4)	(3)
Operating profit before impairment and taxation	2,370	1,966	21	22	2,506	(5)	(6)	7,638	6,625	15	16
Credit impairment	(90)	(188)	52	52	(150)	40	41	(536)	(524)	(2)	(1)
Other impairment	(7)	(22)	68	70	(19)	63	63	(28)	(41)	32	33
(Loss)/Profit from associates and joint ventures	(23)	10	nm	nm	(3)	nm	nm	(40)	89	(145)	(145)
Profit before taxation	2,250	1,766	27	29	2,334	(4)	(4)	7,034	6,149	14	15
Taxation	(488)	(468)	(4)	(5)	(573)	15	15	(1,601)	(1,525)	(5)	(5)
Profit for the period	1,762	1,298	36	38	1,761	–	–	5,433	4,624	17	18
Return on tangible equity (%)3	15.7	10.5	520		17.9	(220)		17.0	14.4	260
Basic earnings per share (cents)	68.9	44.5	55		77.4	(11)		220.6	173.9	27

	Q3'26	Q3'25	Q2'26
Net interest income	2,966	(1,492)	1,474	2,737	(1,329)	1,408	2,871	(1,401)	1,470
Non-interest income	2,815	1,492	4,307	2,373	1,329	3,702	2,831	1,401	4,232
Operating income	5,781	–	5,781	5,110	–	5,110	5,702	–	5,702

	YTD'26	YTD'25
Net interest income	8,706	(4,231)	4,475	8,236	(3,784)	4,452
Non-interest income	8,679	4,231	12,910	7,780	3,784	11,564
Operating income	17,385	–	17,385	16,016	–	16,016

	Q3'26	Q3'25¹	Change	Constant currency change2	Q2'26	Change	Constant currency change2	YTD'26	YTD'25¹	Change	Constant currency change2
Transaction Services	1,608	1,490	8	9	1,542	4	4	4,662	4,490	4	4
Payments & Liquidity	1,090	1,018	7	8	1,047	4	4	3,174	3,096	3	2
Securities & Prime Services	193	166	16	18	182	6	7	552	475	16	17
Trade & Working Capital	325	306	6	7	313	4	4	936	919	2	1
Global Banking	631	588	7	7	651	(3)	(3)	1,945	1,682	16	15
Lending & Financing Solutions	542	496	9	10	546	(1)	(1)	1,599	1,422	12	12
Capital Markets & Advisory	89	92	(3)	(4)	105	(15)	(16)	346	260	33	33
Global Markets	1,014	847	20	21	1,116	(9)	(9)	3,320	3,204	4	4
Wealth Solutions	1,118	890	26	26	1,064	5	5	3,225	2,410	34	33
Investment Products	884	691	28	28	849	4	4	2,511	1,795	40	39
Bancassurance	234	199	18	18	215	9	8	714	615	16	16
Deposits & Mortgages	1,035	1,043	(1)	(1)	1,032	–	–	3,084	3,069	–	–
CCPL & Other Unsecured Lending	265	309	(14)	(13)	281	(6)	(6)	842	891	(5)	(6)
Treasury & Other	110	(57)	nm	nm	16	nm	nm	307	270	14	19
Total operating income	5,781	5,110	13	14	5,702	1	1	17,385	16,016	9	8

	Q3'26	Q3'25¹	Change	Constant currency change2	Q2'26	Change	Constant currency change2	YTD'26	YTD'25¹	Change	Constant currency change2
Corporate & Investment Banking	1,607	1,176	37	38	1,510	6	6	4,844	4,472	8	9
Wealth & Retail Banking	977	841	16	16	1,008	(3)	(3)	2,966	2,063	44	43
Central & other items	(334)	(251)	(33)	(27)	(184)	(82)	(87)	(776)	(386)	(101)	(87)
Profit before taxation	2,250	1,766	27	29	2,334	(4)	(4)	7,034	6,149	14	15

	Q3'26	Q3'25	Change1	Q2'26	Change1	YTD'26	YTD'25	Change1
Net interest income	1,474	1,408	5	1,470	–	4,475	4,452	1
Adjustment for trading book funding cost and others	1,492	1,329	12	1,401	6	4,231	3,784	12
Adjusted net interest income2	2,966	2,737	8	2,871	3	8,706	8,236	6
Average interest-earning assets3	580,402	560,336	4	567,122	2	571,528	547,771	4
Average interest-bearing liabilities3	634,057	599,796	6	619,192	2	622,219	576,100	8
Gross yield (%)4	4.32	4.52	(20)	4.23	9	4.29	4.67	(38)
Rate paid (%)4	2.10	2.41	31	2.02	(8)	2.07	2.53	46
Net yield (%)4	2.22	2.11	11	2.21	1	2.22	2.14	8
Net interest margin (%)4,5	2.03	1.94	9	2.03	–	2.04	2.01	3

	Q3'26	Q3'25²	Change1	Q2'26	Change1	YTD'26	YTD'252	Change1
Total credit impairment charge/(release)	90	188	(52)	150	(40)	536	524	2
Of which stage 1 and 2	(14)	52	(127)	24	(158)	220	229	(4)
Of which stage 3	104	136	(24)	126	(17)	316	295	7

	30.09.26	30.06.26	Change1	31.12.25	Change1	30.09.25	Change1
Gross loans and advances to customers2	319,623	303,415	5	290,849	10	289,609	10
Of which stage 1	301,120	283,953	6	275,062	9	271,037	11
Of which stage 2	12,580	13,757	(9)	9,823	28	12,975	(3)
Of which stage 3	5,923	5,705	4	5,964	(1)	5,597	6

Expected credit loss provisions	(4,386)	(4,136)	6	(4,061)	8	(4,482)	(2)
Of which stage 1	(537)	(515)	4	(528)	2	(509)	6
Of which stage 2	(435)	(489)	(11)	(446)	(2)	(515)	(16)
Of which stage 3	(3,414)	(3,132)	9	(3,087)	11	(3,458)	(1)

Net loans and advances to customers	315,237	299,279	5	286,788	10	285,127	11
Of which stage 1	300,583	283,438	6	274,534	9	270,528	11
Of which stage 2	12,145	13,268	(8)	9,377	30	12,460	(3)
Of which stage 3	2,509	2,573	(2)	2,877	(13)	2,139	17

Cover ratio of stage 3 before/after collateral (%)3	58/75	55/72	3/3	52/68	6/7	62/78	(4)/(3)
Credit grade 12 accounts ($million)	700	1,160	(40)	1,111	(37)	1,373	(49)
Early alerts ($million)4	5,155	5,839	(12)	4,303	20	5,796	(11)
Investment-grade corporate exposures (%)3	77	75	2	74	3	75	2

	30.09.26	30.6.2026	Change1	31.12.25	Change1	30.09.25	Change1
Assets
Loans and advances to banks	47,888	45,962	4	43,901	9	45,612	5
Loans and advances to customers	315,237	299,279	5	286,788	10	285,127	11
Others3	635,489	648,165	(2)	589,266	8	582,911	9
Total assets	998,614	993,406	1	919,955	9	913,650	9
Liabilities
Deposits by banks	28,751	29,800	(4)	30,846	(7)	30,003	(4)
Customer accounts	558,282	552,644	1	530,161	5	526,284	6
Others4	356,394	355,069	–	304,362	17	304,143	17
Total liabilities	943,427	937,513	1	865,369	9	860,430	10
Equity	55,187	55,893	(1)	54,586	1	53,220	4
Total equity and liabilities	998,614	993,406	1	919,955	9	913,650	9
Advances-to-deposits ratio (%)2	53.3	50.9		51.4		50.7
Liquidity coverage ratio (%)	154	148		155		151

	Q3'26	Q3'25¹
Operating income	3,395	2,525	(139)	5,781	2,944	2,297	(131)	5,110
External	3,220	1,210	1,351	5,781	2,707	1,077	1,326	5,110
Inter-segment	175	1,315	(1,490)	–	237	1,220	(1,457)	–
Operating expenses	(1,821)	(1,433)	(157)	(3,411)	(1,700)	(1,336)	(108)	(3,144)
Operating profit/(loss) before impairment losses and taxation	1,574	1,092	(296)	2,370	1,244	961	(239)	1,966
Credit impairment	24	(114)	–	(90)	(63)	(116)	(9)	(188)
Other impairment	9	(1)	(15)	(7)	(5)	(4)	(13)	(22)
(Loss)/profit from associates and joint ventures	–	–	(23)	(23)	–	–	10	10
Profit/(loss) before taxation	1,607	977	(334)	2,250	1,176	841	(251)	1,766
Total assets	591,747	150,341	256,526	998,614	499,631	137,505	276,514	913,650
Loans and advances to customers (incl FVTPL)2	219,294	143,086	17,319	379,699	202,157	129,054	16,355	347,566
Loans and advances to customers (excl FVTPL)2	154,868	143,084	17,285	315,237	139,722	129,050	16,355	285,127
Total liabilities	535,047	285,786	122,594	943,427	493,957	256,822	109,651	860,430
Customer accounts (incl FVTPL)	328,260	282,012	7,079	617,351	329,011	252,326	4,061	585,398
Risk-weighted assets	185,509	58,024	19,741	263,274	175,233	59,557	23,588	258,378
Income return on risk-weighted assets (%)	7.2	17.6	(2.7)	8.6	6.8	15.6	(2.1)	7.9
Return on tangible equity (%)	14.8	33.7	(35.0)	15.7	11.2	31.4	(26.3)	10.5
Cost-to-income ratio (%)	53.6	56.8	nm	59.0	57.7	58.2	nm	61.5

	Q3'26	Q3'25¹	Change2	Constant currency change2,3	Q2'26	Change2	Constant currency change2,3	YTD'26	YTD'25¹	Change2	Constant currency change2,3
Transaction Services	1,608	1,490	8	9	1,542	4	4	4,662	4,490	4	4
Payments & Liquidity	1,090	1,018	7	8	1,047	4	4	3,174	3,096	3	2
Securities & Prime Services	193	166	16	18	182	6	7	552	475	16	17
Trade & Working Capital	325	306	6	7	313	4	4	936	919	2	1
Global Banking	631	588	7	7	651	(3)	(3)	1,945	1,682	16	15
Lending & Financing Solutions	542	496	9	10	546	(1)	(1)	1,599	1,422	12	12
Capital Market & Advisory	89	92	(3)	(4)	105	(15)	(16)	346	260	33	33
Global Markets	1,014	847	20	21	1,116	(9)	(9)	3,320	3,204	4	4
Treasury & Other	142	19	nm	nm	40	nm	nm	369	160	131	127
Operating income	3,395	2,944	15	16	3,349	1	1	10,296	9,536	8	8
Operating expenses	(1,821)	(1,700)	(7)	(8)	(1,797)	(1)	(1)	(5,332)	(5,006)	(7)	(6)
Operating profit before impairment losses and taxation	1,574	1,244	27	28	1,552	1	1	4,964	4,530	10	10
Credit impairment	24	(63)	138	138	(39)	162	159	(126)	(53)	(138)	(117)
Other impairment	9	(5)	nm	nm	(3)	nm	nm	6	(5)	nm	nm
Profit before taxation	1,607	1,176	37	38	1,510	6	6	4,844	4,472	8	9
Total assets	591,747	499,631	18	19	588,444	1	–	591,747	499,631	18	19
Loans and advances to customers (incl FVTPL)4	219,294	202,157	8	8	216,485	1	1	219,294	202,157	8	8
Loans and advances to customers (excl FVTPL)4	154,868	139,722	11	–	150,492	3	–	154,868	139,722	11	–
Total liabilities	535,047	493,957	8	8	546,415	(2)	(3)	535,047	493,957	8	8
Customer accounts (incl FVTPL)	328,260	329,011	–	–	334,715	(2)	(3)	328,260	329,011	–	–
Risk-weighted assets	185,509	175,233	6	nm	185,312	–	nm	185,509	175,233	6	nm
Income return on risk-weighted assets (%)5	7.2	6.8	40	nm	7.2	–	nm	7.4	7.3	10	nm
Return on tangible equity (%)5	14.8	11.2	360	nm	15.8	(100)	nm	16.4	16.2	20	nm
Cost-to-income ratio (%)6	53.6	57.7	4.1	4.2	53.7	0.1	–	51.8	52.5	0.7	0.8

	Q3'26	Q3'25¹	Change2	Constant currency change2,3	Q2'26	Change2	Constant currency change2,3	YTD'26	YTD'25¹	Change2	Constant currency change2,3
Wealth Solutions	1,118	890	26	26	1,064	5	5	3,225	2,410	34	33
Investment Products	884	691	28	28	849	4	4	2,511	1,795	40	39
Bancassurance	234	199	18	18	215	9	8	714	615	16	16
Deposits & Mortgages	1,035	1,043	(1)	(1)	1,032	–	–	3,084	3,069	–	–
CCPL & Other Unsecured Lending	265	309	(14)	(13)	281	(6)	(6)	842	891	(5)	(6)
Treasury & Other	107	55	95	95	92	16	16	299	163	83	76
Operating income	2,525	2,297	10	10	2,469	2	2	7,450	6,533	14	14
Operating expenses	(1,433)	(1,336)	(7)	(8)	(1,337)	(7)	(7)	(4,065)	(3,987)	(2)	(2)
Operating profit before impairment losses and taxation	1,092	961	14	14	1,132	(4)	(4)	3,385	2,546	33	32
Credit impairment	(114)	(116)	2	–	(116)	2	–	(410)	(469)	13	13
Other impairment	(1)	(4)	75	100	(8)	88	100	(9)	(14)	36	36
Profit before taxation	977	841	16	16	1,008	(3)	(3)	2,966	2,063	44	43
Total assets	150,341	137,505	9	10	139,041	8	6	150,341	137,505	9	10
Loans and advances to customers (incl FVTPL)	143,086	129,054	11	11	131,880	8	6	143,086	129,054	11	11
Loans and advances to customers (excl FVTPL)	143,084	129,050	11	–	131,878	8	–	143,084	129,050	11	–
Total liabilities	285,786	256,822	11	11	271,800	5	4	285,786	256,822	11	11
Customer accounts (incl FVTPL)	282,012	252,326	12	12	267,507	5	4	282,012	252,326	12	12
Risk-weighted assets	58,024	59,557	(3)	nm	57,401	1	nm	58,024	59,557	(3)	nm
Income return on risk-weighted assets (%)4	17.6	15.6	200	nm	17.3	30	nm	17.3	15.1	220	nm
Return on tangible equity (%)4	33.7	31.4	230	nm	36.6	(290)	nm	35.2	24.6	1,060	nm
Cost-to-income ratio (%)5	56.8	58.2	1.4	1.3	54.2	(2.6)	(2.6)	54.6	61.0	6.4	6.4

	Q3'26	Q3'25¹	Change2	Constant currency change2,3	Q2'26	Change2	Constant currency change2,3	YTD'26	YTD'25¹	Change2	Constant currency change2,3
Treasury & Other	(139)	(131)	(6)	(2)	(116)	(20)	(27)	(361)	(53)	nm	nm
Operating income	(139)	(131)	(6)	(2)	(116)	(20)	(27)	(361)	(53)	nm	nm
Operating expenses	(157)	(108)	(45)	(37)	(62)	(153)	(154)	(350)	(398)	12	14
Operating (loss)/profit before impairment losses and taxation	(296)	(239)	(24)	(18)	(178)	(66)	(73)	(711)	(451)	(58)	(48)
Credit impairment	–	(9)	100	111	5	(100)	(75)	–	(2)	100	100
Other impairment	(15)	(13)	(15)	(7)	(8)	(88)	(88)	(25)	(22)	(14)	(9)
(Loss)/profit from associates and joint ventures	(23)	10	nm	nm	(3)	nm	nm	(40)	89	(145)	(145)
Profit/(loss) before taxation	(334)	(251)	(33)	(27)	(184)	(82)	(87)	(776)	(386)	(101)	(87)
Total assets	256,526	276,514	(7)	(7)	265,921	(4)	(5)	256,526	276,514	(7)	(7)
Loans and advances to customers (incl FVTPL)	17,319	16,355	6	6	16,945	2	–	17,319	16,355	6	6
Loans and advances to customers (excl FVTPL)	17,285	16,355	6	–	16,909	2	–	17,285	16,355	6	–
Total liabilities	122,594	109,651	12	12	119,298	3	2	122,594	109,651	12	12
Customer accounts (incl FVTPL)	7,079	4,061	74	83	6,988	1	1	7,079	4,061	74	83
Risk-weighted assets	19,741	23,588	(16)	nm	18,738	5	nm	19,741	23,588	(16)	nm
Income return on risk-weighted assets (%)4	(2.7)	(2.1)	(60)	nm	(2.1)	(60)	nm	(2.2)	(0.3)	(190)	nm
Return on tangible equity (%)4	(35.0)	(26.3)	(870)	nm	(16.3)	(1,870)	nm	(31.4)	(16.8)	(1,460)	nm
Cost-to-income ratio (%)5	nm	nm	nm	nm	nm	nm	nm	nm	nm	nm	nm
Memo items
SC Ventures (SCV) income	(9)	(10)	10	10	2	nm	nm	(32)	222	(114)	(114)

	Q3'26
Operating income	1,526	328	311	161	806	365	290	554	324	1,116	5,781
Operating expenses	(621)	(200)	(240)	(91)	(456)	(226)	(183)	(548)	(197)	(649)	(3,411)
Operating profit before impairment losses and taxation	905	128	71	70	350	139	107	6	127	467	2,370
Credit impairment	39	(5)	(1)	–	(38)	(29)	8	23	(18)	(69)	(90)
Other impairment	–	(2)	–	–	(6)	1	–	–	–	–	(7)
(Loss)/Profit from associates and joint ventures	–	–	–	–	(30)	–	–	10	–	(3)	(23)
Profit before taxation	944	121	70	70	276	111	115	39	109	395	2,250
Total assets employed	227,150	61,317	53,154	22,246	133,221	39,139	20,286	275,442	67,215	99,444	998,614
Loans and advances to customers (incl FVTPL)2	101,265	32,966	14,087	12,108	74,816	14,448	8,617	56,374	29,755	35,263	379,699
Loans and advances to customers (excl FVTPL)2	84,600	32,964	13,490	11,804	70,319	13,549	8,510	19,021	29,062	31,918	315,237
Total liabilities employed	223,765	54,027	45,105	21,310	124,173	30,998	20,313	275,917	56,263	91,556	943,427
Customer accounts (incl FVTPL)	194,968	38,590	41,068	19,941	108,854	19,994	16,675	87,242	22,696	67,323	617,351
Customer accounts (excl FVTPL)	187,640	33,624	31,356	19,926	108,027	19,698	16,635	52,110	22,496	66,770	558,282

	Q3'25¹
Operating income	1,218	278	295	163	744	344	304	360	316	1,088	5,110
Operating expenses	(654)	(202)	(221)	(98)	(462)	(249)	(172)	(224)	(171)	(691)	(3,144)
Operating profit before impairment losses and taxation	564	76	74	65	282	95	132	136	145	397	1,966
Credit impairment	(69)	(17)	(14)	(3)	(33)	–	9	34	(71)	(24)	(188)
Other impairment	(1)	–	(2)	–	(2)	(1)	–	6	–	(22)	(22)
Profit/(loss) from associates and joint ventures	–	–	16	–	(2)	–	–	3	–	(7)	10
Profit before taxation	494	59	74	62	245	94	141	179	74	344	1,766
Total assets employed	210,684	53,179	43,925	22,342	120,605	33,140	22,003	239,384	75,023	93,365	913,650
Loans and advances to customers (incl FVTPL)2	91,282	30,034	14,475	11,689	62,432	13,224	8,554	57,866	25,058	32,952	347,566
Loans and advances to customers (excl FVTPL)2	75,731	30,031	13,490	11,423	60,561	12,636	8,271	18,894	24,245	29,845	285,127
Total liabilities employed	213,178	44,987	37,721	20,092	115,859	24,792	19,202	251,869	50,345	82,385	860,430
Customer accounts (incl FVTPL)	187,204	36,214	31,696	18,467	101,193	15,920	16,605	94,972	21,292	61,835	585,398
Customer accounts (excl FVTPL)	179,915	34,150	24,863	18,467	100,461	15,920	16,544	53,284	21,267	61,413	526,284

	Q2'26
Operating income	1,485	369	303	179	815	395	254	506	315	1,081	5,702
Operating expenses	(661)	(119)	(237)	(92)	(502)	(180)	(160)	(339)	(217)	(689)	(3,196)
Operating profit before impairment losses and taxation	824	250	66	87	313	215	94	167	98	392	2,506
Credit impairment	(54)	(18)	(2)	2	(7)	6	4	(38)	(4)	(39)	(150)
Other impairment	(5)	–	–	–	(12)	(3)	1	–	–	–	(19)
Profit from associates and joint ventures	–	–	–	–	(2)	–	–	3	–	(4)	(3)
Profit before taxation	765	232	64	89	292	218	99	132	94	349	2,334
Total assets employed	229,358	56,970	54,944	22,149	128,324	33,538	19,836	278,861	68,745	100,681	993,406
Loans and advances to customers (incl FVTPL)2	96,296	28,471	13,771	11,750	68,527	12,825	8,699	61,513	28,292	35,166	365,310
Loans and advances to customers (excl FVTPL)2	79,231	28,469	12,935	11,562	65,160	11,940	8,608	22,151	27,625	31,598	299,279
Total liabilities employed	234,712	48,796	47,397	20,670	120,376	26,201	19,903	270,837	60,895	87,726	937,513
Customer accounts (incl FVTPL)	197,924	35,400	39,669	19,234	104,506	16,233	17,147	86,669	27,123	65,305	609,210
Customer accounts (excl FVTPL)	191,319	30,984	31,452	19,220	103,678	15,855	17,095	51,699	26,721	64,621	552,644

	Q3'26	Q2'26	Q1'26	Q4'25¹	Q3'25¹	Q2'25¹	Q1'25¹	Q4'24¹
Transaction Services	1,608	1,542	1,512	1,521	1,490	1,471	1,529	1,667
Payments & Liquidity	1,090	1,047	1,037	1,064	1,018	1,015	1,063	1,193
Securities & Prime Services	193	182	177	173	166	158	151	161
Trade & Working Capital	325	313	298	284	306	298	315	313
Global Banking	631	651	663	547	588	548	546	501
Lending & Financing Solutions	542	546	511	483	496	476	450	435
Capital Markets & Advisory	89	105	152	64	92	72	96	66
Global Markets	1,014	1,116	1,190	660	847	1,175	1,182	770
Wealth Solutions	1,118	1,064	1,043	677	890	742	778	563
Investment Products	884	849	778	553	691	544	560	453
Bancassurance	234	215	265	124	199	198	218	110
Deposits & Mortgages	1,035	1,032	1,017	1,065	1,043	1,004	1,022	1,079
CCPL & Other Unsecured Lending	265	281	296	320	309	313	269	295
Treasury & Other	110	16	181	136	(57)	274	53	(73)
Total operating income	5,781	5,702	5,902	4,926	5,110	5,527	5,379	4,802

	Q3'26	Q3'25¹	Change	Q2'26	Change	YTD'26	YTD'25¹	Change
Profit for the period attributable to equity holders	1,762	1,298	36	1,761	–	5,433	4,624	17
Non-controlling interest	(5)	2	nm	(8)	38	(23)	(15)	(53)
Dividend payable on preference shares and AT1 classified as equity	(253)	(272)	7	(45)	nm	(538)	(516)	(4)
Profit for the period attributable to ordinary shareholders	1,504	1,028	46	1,708	(12)	4,872	4,093	19
Basic – Weighted average number of shares (millions)	2,184	2,310	(5)	2,207	(1)	2,209	2,353	(6)
Diluted – Weighted average number of shares (millions)	2,245	2,381	(6)	2,269	(1)	2,273	2,422	(6)
Basic earnings per ordinary share (cents)	68.9	44.5	55	77.4	(11)	220.6	173.9	27
Diluted earnings per ordinary share (cents)	67.0	43.2	55	75.3	(11)	214.3	169.0	27

	Q3'26	Q3'25²	Change	Q2'26	Change	YTD'26	YTD'25²	Change
Average parent company Shareholders’ Equity	45,964	46,490	(1)	46,203	(1)	46,185	45,536	1
Less Average preference share capital and share premium	(1,494)	(1,494)	–	(1,494)	–	(1,494)	(1,494)	–
Less Average intangible assets	(6,498)	(6,118)	(6)	(6,331)	(3)	(6,374)	(5,966)	(7)
Average Ordinary Shareholders’ Tangible Equity	37,972	38,878	(2)	38,378	(1)	38,317	38,076	1
Profit for the period attributable to equity holders	1,762	1,298	36	1,761	–	5,433	4,624	17
Non-controlling interests	(5)	2	nm	(8)	38	(23)	(15)	(53)
Dividend payable on preference shares and AT1 classified as equity	(253)	(272)	7	(45)	nm	(538)	(516)	(4)
Profit for the period attributable to ordinary shareholders	1,504	1,028	46	1,708	(12)	4,872	4,093	19
Return on tangible equity1	15.7	10.5	520bps	17.9	(220bps)	17.0	14.4	260bps

	30.09.26	30.09.25	Change	30.6.2026	Change	31.12.25	Change
Parent company shareholders’ equity	45,619	46,250	(1)	46,308	(1)	46,593	(2)
Less preference share capital and share premium	(1,494)	(1,494)	–	(1,494)	–	(1,494)	–
Less intangible assets	(6,601)	(6,145)	(7)	(6,394)	(3)	(6,231)	(6)
Net shareholders tangible equity	37,524	38,611	(3)	38,420	(2)	38,868	(3)
Ordinary shares in issue, excluding own shares (millions)	2,174	2,293	(5)	2,189	(1)	2,247	(3)
Net Tangible Asset Value per share (cents)	1,726	1,684	2	1,755	(2)	1,730	–

	9 months ended	9 months ended
Net credit impairment charge	536	524
Less Net credit impairment on debt securities	14	3
Less Net credit impairment relating to other financial assets	(8)	12
Net credit impairment considered for LLR calculation	530	509
Gross Average Loans and Advances to Banks & Customers (excluding FVTPL)	354,473	336,939
LLR bps (Annualised)	20	20

	30.09.26
Stage 1	47,491	143,646	140,729	16,745	301,120	208,487	112,020
• Strong	33,935	105,256	134,426	16,271	255,953	187,229	77,670
• Satisfactory	13,556	38,390	6,303	474	45,167	21,258	34,350
Stage 2	334	10,054	1,972	554	12,580	4,072	1,976
• Strong	26	1,624	1,570	–	3,194	871	176
• Satisfactory	308	7,730	106	554	8,390	3,075	1,779
• Higher risk	–	700	296	–	996	126	21
Of which (stage 2):
• Less than 30 days past due	–	130	106	–	236	–	–
• More than 30 days past due	–	111	296	–	407	–	–
Stage 3, credit-impaired financial assets	80	4,058	1,863	2	5,923	8	513
Gross balance¹	47,905	157,758	144,564	17,301	319,623	212,567	114,509
Stage 1	(7)	(189)	(335)	(13)	(537)	(43)	(36)
• Strong	(2)	(82)	(242)	(12)	(336)	(24)	(9)
• Satisfactory	(5)	(107)	(93)	(1)	(201)	(19)	(27)
Stage 2	(2)	(316)	(118)	(1)	(435)	(61)	(30)
• Strong	–	(8)	(83)	–	(91)	(16)	–
• Satisfactory	(2)	(293)	(13)	(1)	(307)	(41)	(29)
• Higher risk	–	(15)	(22)	–	(37)	(4)	(1)
Of which (stage 2):
• Less than 30 days past due	–	(3)	(13)	–	(16)	–	–
• More than 30 days past due	–	(1)	(22)	–	(23)	–	–
Stage 3, credit-impaired financial assets	(8)	(2,385)	(1,027)	(2)	(3,414)	(2)	(88)
Total credit impairment	(17)	(2,890)	(1,480)	(16)	(4,386)	(106)	(154)
Net carrying value	47,888	154,868	143,084	17,285	315,237
Stage 1 (%)	0.0	0.1	0.2	0.1	–	0.0	0.0
• Strong (%)	0.0	0.1	0.2	0.1	0.1	0.0	0.0
• Satisfactory (%)	0.0	0.3	1.5	0.2	0.4	0.1	0.1
Stage 2 (%)	0.6	3.1	6.0	0.2	3.5	1.5	1.5
• Strong (%)	–	0.5	5.3	–	2.8	1.8	0.0
• Satisfactory (%)	0.6	3.8	12.3	0.2	3.7	1.3	1.6
• Higher risk (%)	–	2.1	7.4	–	3.7	3.2	4.8
Of which (stage 2) (%):
• Less than 30 days past due (%)	–	2.3	12.3	–	6.8	–	–
• More than 30 days past due (%)	–	0.9	7.4	–	5.7	–	–
Stage 3, credit-impaired financial assets (S3) (%)	10.0	58.8	55.1	100.0	57.6	25.0	17.2
• Stage 3 Collateral	–	347	687	–	1,034	–	88
• Stage 3 Cover ratio (after collateral) (%)	10.0	67.3	92.0	100.0	75.1	25.0	34.3
Cover ratio (%)	–	1.8	1.0	0.1	1.4	–	0.1
Fair value through profit or loss
Performing	41,611	64,426	2	34	64,462	–	–
• Strong	30,742	34,411	2	–	34,413	–	–
• Satisfactory	10,869	30,015	–	34	30,049	–	–
• Higher risk	–	–	–	–	–	–	–
Impaired (CG13-14)	197	–	–	–	–	–	–
Gross balance (FVTPL)2	41,808	64,426	2	34	64,462	–	–
Net carrying value (incl FVTPL)	89,696	219,294	143,086	17,319	379,699	–	–

	31.12.25¹
Stage 1	43,608	132,772	127,306	14,984	275,062	195,032	112,091
• Strong	31,257	94,399	121,979	14,228	230,606	176,123	67,184
• Satisfactory	12,351	38,373	5,327	756	44,456	18,909	44,907
Stage 2	217	7,859	1,964	–	9,823	4,208	1,511
• Strong	42	1,767	1,453	–	3,220	1,340	351
• Satisfactory	172	4,984	162	–	5,146	2,662	1,052
• Higher risk	3	1,108	349	–	1,457	206	108
Of which (stage 2):
• Less than 30 days past due	–	86	162	–	248	–	–
• More than 30 days past due	3	158	349	–	507	–	–
Stage 3, credit-impaired financial assets	90	4,201	1,761	2	5,964	5	591
Gross balance2	43,915	144,832	131,031	14,986	290,849	199,245	114,193
Stage 1	(6)	(128)	(388)	(12)	(528)	(49)	(26)
• Strong	(2)	(59)	(343)	(12)	(414)	(28)	(12)
• Satisfactory	(4)	(69)	(45)	–	(114)	(21)	(14)
Stage 2	(1)	(310)	(136)	–	(446)	(33)	(16)
• Strong	(1)	(4)	(92)	–	(96)	(4)	–
• Satisfactory	–	(217)	(15)	–	(232)	(20)	(9)
• Higher risk	–	(89)	(29)	–	(118)	(9)	(7)
Of which (stage 2):
• Less than 30 days past due	–	(9)	(15)	–	(24)	–	–
• More than 30 days past due	–	(1)	(29)	–	(30)	–	–
Stage 3, credit-impaired financial assets	(7)	(2,214)	(871)	(2)	(3,087)	(2)	(98)
Total credit impairment	(14)	(2,652)	(1,395)	(14)	(4,061)	(84)	(140)
Net carrying value	43,901	142,180	129,636	14,972	286,788
Stage 1 (%)	0.0	0.1	0.3	0.1	–	–	–
• Strong (%)	0.0	0.1	0.3	0.1	0.2	0.0	0.0
• Satisfactory (%)	0.0	0.2	0.8	–	0.3	0.1	0.0
Stage 2 (%)	0.5	3.9	6.9	–	4.5	0.8	1.1
• Strong (%)	2.4	0.2	6.3	–	3.0	0.3	–
• Satisfactory (%)	–	4.4	9.3	–	4.5	0.8	0.9
• Higher risk (%)	–	8.0	8.3	–	8.1	4.4	6.5
Of which (stage 2) (%):
• Less than 30 days past due (%)	–	10.5	9.3	–	9.7	–	–
• More than 30 days past due (%)	–	0.6	8.3	–	5.9	–	–
Stage 3, credit-impaired financial assets (S3) (%)	7.8	52.7	49.5	100.0	51.8	40.0	16.6
• Stage 3 Collateral	–	314	678	–	992	–	56
• Stage 3 Cover ratio (after collateral) (%)	7.8	60.2	88.0	100.0	68.4	40.0	26.1
Cover ratio (%)	–	1.8	1.1	0.1	1.4	–	0.1
Fair value through profit or loss
Performing	36,580	62,780	3	–	62,783	–	–
• Strong	28,277	39,351	3	–	39,354	–	–
• Satisfactory	8,303	23,429	–	–	23,429	–	–
• Higher risk	–	–	–	–	–	–	–
Impaired (CG13-14)	92	14	–	–	14	–	–
Gross balance (FVTPL)3	36,672	62,794	3	–	62,797	–	–
Net carrying value (incl FVTPL)	80,573	204,974	129,639	14,972	349,585	–	–

	9 months ended 30.09.26	9 months ended 30.09.25¹
Corporate & Investment Banking	158	(32)	126	129	(76)	53
Wealth & Retail Banking	61	349	410	100	369	469
Central & other items	1	(1)	–	–	2	2
Credit impairment charge/(release)	220	316	536	229	295	524

	30.09.26	30.06.26	Change1	31.12.25	Change1
CET1 (%)	13.8	14.2	(31)	14.1	(28)
Tier 1 capital (%)	17.3	17.6	(34)	17.0	26
Total capital (%)	20.2	21.1	(88)	20.6	(41)

	30.09.26	30.06.26	Change3	31.12.25	Change3
CET1 capital instruments and reserves
Capital instruments and the related share premium accounts	5,076	5,084	–	5,120	(1)
Of which: share premium accounts	3,989	3,989	–	3,989	–
Retained earnings	24,976	26,601	(6)	24,528	2
Accumulated other comprehensive income (and other reserves)	8,622	9,458	(9)	10,406	(17)
Non-controlling interests (amount allowed in consolidated CET1)	237	257	(8)	262	(10)
Independently reviewed interim and year-end profits	5,398	3,658	48	5,100	6
Foreseeable dividends	(1,139)	(780)	46	(1,377)	(17)
CET1 capital before regulatory adjustments	43,170	44,278	(3)	44,039	(2)
CET1 regulatory adjustments
Additional value adjustments (prudential valuation adjustments)	(825)	(746)	11	(693)	19
Intangible assets (net of related tax liability)	(6,541)	(6,328)	3	(6,145)	6
Deferred tax assets that rely on future profitability (excludes those arising from temporary differences)	(10)	(19)	(47)	(15)	(33)
Fair value reserves related to net losses on cash flow hedges	1,276	303	321	(315)	(505)
Deduction of amounts resulting from the calculation of excess expected loss	(571)	(538)	6	(599)	(5)
Net losses on liabilities at fair value resulting from changes in own credit risk	322	395	(18)	412	(22)
Defined-benefit pension fund assets	(230)	(224)	3	(149)	54
Fair value gains arising from the institution’s own credit risk related to derivative liabilities	(125)	(76)	64	(70)	79
Exposure amounts which could qualify for risk weighting of 1250%	(24)	(42)	(43)	(25)	(4)
Total regulatory adjustments to CET1	(6,728)	(7,275)	(8)	(7,599)	(11)
CET1 capital	36,442	37,003	(2)	36,440	–
Additional Tier 1 capital (AT1) instruments	9,102	9,105	–	7,529	21
AT1 regulatory adjustments	(20)	(20)	–	(20)	–
Tier 1 capital	45,524	46,088	(1)	43,949	4
Tier 2 capital instruments	7,725	9,106	(15)	9,308	(17)
Tier 2 regulatory adjustments	(30)	(30)	–	(30)	–
Tier 2 capital	7,695	9,076	(15)	9,278	(17)
Total capital	53,219	55,164	(4)	53,227	–
Total risk-weighted assets	263,274	261,451	1	258,031	2

	9 months ended	12 months ended
CET1 at 1 January	36,440	35,190
Ordinary shares issued in the period and share premium	–	–
Share buyback	(2,500)	(2,800)
Profit for the period	5,398	5,100
Foreseeable dividends deducted from CET1	(1,139)	(1,377)
Difference between dividends paid and prior year accruals	(712)	(557)
Movement in goodwill and other intangible assets	(396)	(449)
Foreign currency translation differences	41	931
Non-controlling interests	(26)	26
Movement in eligible other comprehensive income	(428)	283
Deferred tax assets that rely on future profitability	5	16
Decrease/(Increase) in excess expected loss	26	101
Additional value adjustments (prudential valuation adjustment)	(132)	(69)
Exposure amounts which could qualify for risk weighting	1	18
Fair value gains arising from the institution's own Credit Risk related to derivative liabilities	(55)	27
Others	(81)	–
CET1 at 30 September/31 December	36,442	36,440
AT1 at 1 January	7,509	6,482
Net issuances	1,575	1,026
Foreign currency translation difference	(2)	1
AT1 at 30 September/31 December	9,082	7,509
Tier 2 capital at 1 January	9,278	11,419
Regulatory amortisation	(219)	(227)
Net (redemptions)	(1,136)	(2,175)
Foreign currency translation and fair value differences	(227)	251
Tier 2 ineligible minority interest	7	10
Others	(8)	–
Tier 2 capital at 30 September/31 December	7,695	9,278
Total capital at 30 September/31 December	53,219	53,227

	30.09.26
Corporate & Investment Banking	133,930	23,826	27,753	185,509
Wealth & Retail Banking	46,140	11,884	–	58,024
Central & other items	16,951	(599)	3,389	19,741
Total risk-weighted assets	197,021	35,111	31,142	263,274

	30.06.26
Corporate & Investment Banking	132,322	23,826	29,164	185,312
Wealth & Retail Banking	45,517	11,884	–	57,401
Central & other items	16,243	(599)	3,094	18,738
Total risk-weighted assets	194,082	35,111	32,258	261,451

	31.12.25¹
Corporate & Investment Banking	125,188	23,883	26,713	175,784
Wealth & Retail Banking	47,349	11,958	–	59,307
Central & other items	19,608	(618)	3,950	22,940
Total risk-weighted assets	192,145	35,223	30,663	258,031

	Credit risk1
At 1 January 2025	124,378	48,714	16,211	189,303	29,479	28,283	247,065
Assets growth & mix2	(2,360)	(1,927)	2,698	(1,589)	–	–	(1,589)
Asset quality2	2,070	(593)	494	1,971	–	–	1,971
Model Updates	(1,265)	198	–	(1,067)	–	63	(1,004)
Methodology and policy changes	–	–	–	–	–	–	–
Acquisitions and disposals	(293)	(92)	(19)	(404)	–	–	(404)
Foreign currency translation	2,658	1,049	224	3,931	–	–	3,931
Other, Including non-credit risk movements	–	–	–	–	5,744	2,317	8,061
At 31 December 2025	125,188	47,349	19,608	192,145	35,223	30,663	258,031
Assets growth & mix	9,941	(601)	(2,782)	6,558	–	–	6,558
Asset quality	(1,075)	132	79	(864)	–	–	(864)
Model Updates	508	(502)	–	6	–	(677)	(671)
Methodology and policy changes	–	–	–	–	–	–	–
Acquisitions and disposals	–	–	–	–	–	–	–
Foreign currency translation	(632)	(238)	46	(824)	–	–	(824)
Other, Including non-credit risk movements	–	–	–	–	(112)	1,156	1,044
At 30 September 2026	133,930	46,140	16,951	197,021	35,111	31,142	263,274

	30.09.26	30.06.26	Change1	31.12.25	Change1
Tier 1 capital	45,524	46,088	(1)	43,949	4
Derivative financial instruments	88,341	82,225	7	65,782	34
Derivative cash collateral	14,783	14,394	3	12,868	15
Securities financing transactions (SFTs)	102,688	105,739	(3)	96,096	7
Loans and advances and other assets	792,802	791,048	–	745,209	6
Total on-balance sheet assets	998,614	993,406	1	919,955	9
Regulatory adjustments2	(106,933)	(110,750)	(3)	(96,565)	11
Derivatives adjustments
Derivatives netting	(71,070)	(63,439)	12	(51,827)	37
Adjustments to cash collateral	(10,945)	(10,785)	1	(10,011)	9
Net written credit protection	3,576	2,568	39	2,604	37
Potential future exposure on derivatives	66,345	60,640	9	58,062	14
Total derivatives adjustments	(12,094)	(11,016)	10	(1,172)	932
Counterparty risk leverage exposure measure for SFTs	9,189	6,828	35	6,715	37
Off-balance sheet items	110,997	110,336	1	117,341	(5)
Regulatory deductions from Tier 1 capital	(8,350)	(8,039)	4	(8,084)	3
Total exposure measure excluding claims on central banks	991,423	980,765	1	938,190	6
Leverage ratio excluding claims on central banks (%)3	4.6	4.7	(11)	4.7	(9)
Average leverage exposure measure excluding claims on central banks	1,000,024	977,419	2	949,214	5
Average leverage ratio excluding claims on central banks (%)3	4.5	4.6	(3)	4.6	(7)
Countercyclical leverage ratio buffer (%)3	0.1	0.1	–	0.1	–
G-SII additional leverage ratio buffer (%)3	0.4	0.4	–	0.4	–

	9 months ended	9 months ended
Interest income	17,658	18,619
Interest expense	(13,183)	(14,167)
Net interest income	4,475	4,452
Fees and commission income	4,967	4,090
Fees and commission expense	(945)	(811)
Net fee and commission income	4,022	3,279
Net trading income	8,829	7,946
Other operating income	59	339
Operating income	17,385	16,016
Staff costs1	(6,590)	(6,066)
Premises costs	(270)	(273)
General administrative expenses1	(2,042)	(2,216)
Depreciation and amortisation	(845)	(836)
Operating expenses	(9,747)	(9,391)
Operating profit before impairment losses and taxation	7,638	6,625
Credit impairment	(536)	(524)
Goodwill, property, plant and equipment and other impairment	(28)	(41)
(Loss)/profit from associates and joint ventures	(40)	89
Profit before taxation	7,034	6,149
Taxation	(1,601)	(1,525)
Profit for the period	5,433	4,624

Profit attributable to:
Non-controlling interests	23	15
Parent company shareholders	5,410	4,609
Profit for the period	5,433	4,624
	cents	cents
Earnings per share:
Basic earnings per ordinary share	220.6	173.9
Diluted earnings per ordinary share	214.3	169.0

	9 months ended	9 months ended
Profit for the period	5,433	4,624
Other comprehensive (loss)/income
Items that will not be reclassified to income statement:	167	168
Own credit gains/(losses) on financial liabilities designated at fair value through profit or loss	117	(93)
Equity instruments at fair value through other comprehensive income	5	262
Actuarial gains on retirement benefit obligations	98	29
Revaluation deficit	(2)	(11)
Taxation relating to components of other comprehensive income	(51)	(19)
Items that may be reclassified subsequently to income statement:	(1,917)	1,325
Exchange differences on translation of foreign operations:
Net (losses)/gains taken to equity	(22)	790
Net gains/(losses) on net investment hedges	52	(28)
Share of other comprehensive income/(loss) from associates and joint ventures	52	(8)
Debt instruments at fair value through other comprehensive income:
Net valuation (losses)/gains taken to equity	(506)	281
Reclassified to income statement	36	(45)
Net impact of expected credit losses	3	1
Cash flow hedges:
Net movements in cash flow hedge reserve	(1,885)	425
Taxation relating to components of other comprehensive income	353	(91)
Other comprehensive (loss)/income for the period, net of taxation	(1,750)	1,493
Total comprehensive income for the period	3,683	6,117

Total comprehensive income attributable to:
Non-controlling interests	12	31
Parent company shareholders	3,671	6,086
Total comprehensive income for the period	3,683	6,117

	30.09.26	31.12.25
Assets
Cash and balances at central banks	72,944	77,746
Financial assets held at fair value through profit or loss	221,652	195,257
Derivative financial instruments	88,340	65,782
Loans and advances to banks	47,888	43,901
Loans and advances to customers	315,237	286,788
Investment securities	162,105	166,956
Other assets	73,623	67,931
Current tax assets	398	574
Prepayments and accrued income	3,126	3,058
Interests in associates and joint ventures	1,544	1,426
Goodwill and intangible assets	6,601	6,231
Property, plant and equipment	2,469	2,559
Deferred tax assets	689	493
Retirement benefit schemes in surplus	241	154
Assets classified as held for sale	1,757	1,099
Total assets	998,614	919,955

Liabilities
Deposits by banks	28,751	30,846
Customer accounts	558,282	530,161
Repurchase agreements and other similar secured borrowing	5,613	7,757
Financial liabilities held at fair value through profit or loss	97,633	89,597
Derivative financial instruments	92,384	68,204
Debt securities in issue	83,049	72,858
Other liabilities	60,341	46,655
Current tax liabilities	924	709
Accruals and deferred income	7,184	7,358
Subordinated liabilities and other borrowed funds	7,463	8,834
Deferred tax liabilities	634	752
Provisions for liabilities and charges	387	401
Retirement benefit schemes in deficit	295	323
Liabilities included in disposal groups held for sale	487	914
Total liabilities	943,427	865,369

Equity
Share capital and share premium account	6,570	6,614
Other reserves	8,622	10,406
Retained earnings	30,427	29,573
Total parent company shareholders’ equity	45,619	46,593
Other equity instruments	9,102	7,528
Total equity excluding non-controlling interests	54,721	54,121
Non-controlling interests	466	465
Total equity	55,187	54,586
Total equity and liabilities	998,614	919,955

	Ordinary share capital and share premium account	Preference share capital and share premium account	Capital and merger reserves1	Own credit adjustment reserve	Fair value through other comprehensive income reserve debt	Fair value through other comprehensive income reserve equity	Cash flow hedge reserve	Translation reserve	Retained earnings	Parent company shareholders’ equity	Other equity instruments	Non-controlling interests	Total
As at 1 January 2025	5,201	1,494	17,573	(278)	(241)	304	4	(8,638)	28,969	44,388	6,502	394	51,284
Profit for the period	–	–	–	–	–	–	–	–	5,085	5,085	–	12	5,097
Other comprehensive (loss)/ income⁷	–	–	–	(134)	284	236⁵	311	885	1032,6	1,685	–	33	1,718
Distributions	–	–	–	–	–	–	–	–	–	–	–	(50)	(50)
Other equity instruments issued, net of expenses	–	–	–	–	–	–	–	–	–	–	1,989	–	1,989
Redemption of other equity instruments	–	–	–	–	–	–	–	–	–	–	(1,000)	–	(1,000)
Treasury shares net movement	–	–	–	–	–	–	–	–	(452)	(452)	–	–	(452)
Share option expense⁷	–	–	–	–	–	–	–	–	220	220	–	–	220
Dividends on ordinary shares	–	–	–	–	–	–	–	–	(954)	(954)	–	–	(954)
Dividends on preference shares and AT1 securities	–	–	–	–	–	–	–	–	(527)	(527)	–	–	(527)
Share buyback³	(81)	–	81	–	–	–	–	–	(2,800)	(2,800)	–	–	(2,800)
Other movements	–	–	–	–	(27)	–	–	46	(71)	(52)	37	76⁴	61
As at 31 December 2025	5,120	1,494	17,654	(412)	16	540	315	(7,707)	29,573	46,593	7,528	465	54,586
Profit for the period	–	–	–	–	–	–	–	–	5,410	5,410	–	23	5,433
Other comprehensive (loss)/ income⁷	–	–	–	90	(348)	(20)⁹	(1,591)	41	892,10	(1,739)	–	(11)	(1,750)
Distributions	–	–	–	–	–	–	–	–	–	–	–	(43)	(43)
Other equity instruments issued, net of expenses	–	–	–	–	–	–	–	–	–	–	1,576	–	1,576
Treasury shares net movement	–	–	–	–	–	–	–	–	(285)	(285)	–	–	(285)
Share option expense7	–	–	–	–	–	–	–	–	240	240	–	–	240
Dividends on ordinary shares	–	–	–	–	–	–	–	–	(1,551)	(1,551)	–	–	(1,551)
Dividends on preference shares and AT1 securities	–	–	–	–	–	–	–	–	(538)	(538)	–	–	(538)
Share buyback3,8	(44)	–	44	–	–	–	–	–	(2,500)	(2,500)	–	–	(2,500)
Other movements	–	–	–	–	–	–	–	–	(11)	(11)	(2)	32⁴	19
As at 30 September 2026	5,076	1,494	17,698	(322)	(332)	520	(1,276)	(7,666)	30,427	45,619	9,102	466	55,187

	3 months ended	3 months ended	3 months ended
Interest income	6,099	5,770	6,134
Adjustment for trading book funding cost and others	225	216	247
Adjusted interest income	6,324	5,986	6,381
Average interest-earning assets1	580,402	567,122	560,336
Gross yield (%)	4.32	4.23	4.52
Interest expense	4,625	4,300	4,726
Adjustment for trading book funding cost and others	(1,267)	(1,185)	(1,082)
Adjusted interest expense	3,358	3,115	3,644
Average interest–bearing liabilities1	634,057	619,192	599,796
Rate paid (%)	2.10	2.02	2.41
Net yield (%)	2.22	2.21	2.11
Adjusted net interest income	2,966	2,871	2,737
Net interest margin (%)	2.03	2.03	1.94

Companies

Standard Chartered (STAN)

UK 100

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Performance highlights	1
Statement of results	2
Group Chief Financial Officer’s review	3
Financial review	5
Supplementary financial information	11
Risk review	20
Capital review	23
Financial statements	27
Other supplementary financial information	32
Important notices	33

	YTD'26			YTD'25
	Adjusted1	Adjustment for Trading book funding cost and others	Reported	Adjusted1	Adjustment for Trading book funding cost and others	Reported
	$million	$million	$million	$million	$million	$million
Net interest income	8,706	(4,231)	4,475	8,236	(3,784)	4,452
Non-interest income	8,679	4,231	12,910	7,780	3,784	11,564
Operating income	17,385	–	17,385	16,016	–	16,016

	Q3'26
	Hong Kong	Korea	China	Taiwan	Singapore	India	UAE	UK	US	Other	Group
	$million	$million	$million	$million	$million	$million	$million	$million	$million	$million	$million
Operating income	1,526	328	311	161	806	365	290	554	324	1,116	5,781
Operating expenses	(621)	(200)	(240)	(91)	(456)	(226)	(183)	(548)	(197)	(649)	(3,411)
Operating profit before impairment losses and taxation	905	128	71	70	350	139	107	6	127	467	2,370
Credit impairment	39	(5)	(1)	–	(38)	(29)	8	23	(18)	(69)	(90)
Other impairment	–	(2)	–	–	(6)	1	–	–	–	–	(7)
(Loss)/Profit from associates and joint ventures	–	–	–	–	(30)	–	–	10	–	(3)	(23)
Profit before taxation	944	121	70	70	276	111	115	39	109	395	2,250
Total assets employed	227,150	61,317	53,154	22,246	133,221	39,139	20,286	275,442	67,215	99,444	998,614
Loans and advances to customers (incl FVTPL)2	101,265	32,966	14,087	12,108	74,816	14,448	8,617	56,374	29,755	35,263	379,699
Loans and advances to customers (excl FVTPL)2	84,600	32,964	13,490	11,804	70,319	13,549	8,510	19,021	29,062	31,918	315,237
Total liabilities employed	223,765	54,027	45,105	21,310	124,173	30,998	20,313	275,917	56,263	91,556	943,427
Customer accounts (incl FVTPL)	194,968	38,590	41,068	19,941	108,854	19,994	16,675	87,242	22,696	67,323	617,351
Customer accounts (excl FVTPL)	187,640	33,624	31,356	19,926	108,027	19,698	16,635	52,110	22,496	66,770	558,282

	9 months ended	9 months ended
	30.09.2026	30.09.2025
	$million	$million
Net credit impairment charge	536	524
Less Net credit impairment on debt securities	14	3
Less Net credit impairment relating to other financial assets	(8)	12
Net credit impairment considered for LLR calculation	530	509
Gross Average Loans and Advances to Banks & Customers (excluding FVTPL)	354,473	336,939
LLR bps (Annualised)	20	20

	30.09.26
		Customers
	Banks	Corporate & Investment Banking	Wealth & Retail Banking	Central & other items	Customer Total	Undrawn commitments	Financial Guarantees
Amortised cost	$million	$million	$million	$million	$million	$million	$million
Stage 1	47,491	143,646	140,729	16,745	301,120	208,487	112,020
• Strong	33,935	105,256	134,426	16,271	255,953	187,229	77,670
• Satisfactory	13,556	38,390	6,303	474	45,167	21,258	34,350
Stage 2	334	10,054	1,972	554	12,580	4,072	1,976
• Strong	26	1,624	1,570	–	3,194	871	176
• Satisfactory	308	7,730	106	554	8,390	3,075	1,779
• Higher risk	–	700	296	–	996	126	21
Of which (stage 2):
• Less than 30 days past due	–	130	106	–	236	–	–
• More than 30 days past due	–	111	296	–	407	–	–
Stage 3, credit-impaired financial assets	80	4,058	1,863	2	5,923	8	513
Gross balance¹	47,905	157,758	144,564	17,301	319,623	212,567	114,509
Stage 1	(7)	(189)	(335)	(13)	(537)	(43)	(36)
• Strong	(2)	(82)	(242)	(12)	(336)	(24)	(9)
• Satisfactory	(5)	(107)	(93)	(1)	(201)	(19)	(27)
Stage 2	(2)	(316)	(118)	(1)	(435)	(61)	(30)
• Strong	–	(8)	(83)	–	(91)	(16)	–
• Satisfactory	(2)	(293)	(13)	(1)	(307)	(41)	(29)
• Higher risk	–	(15)	(22)	–	(37)	(4)	(1)
Of which (stage 2):
• Less than 30 days past due	–	(3)	(13)	–	(16)	–	–
• More than 30 days past due	–	(1)	(22)	–	(23)	–	–
Stage 3, credit-impaired financial assets	(8)	(2,385)	(1,027)	(2)	(3,414)	(2)	(88)
Total credit impairment	(17)	(2,890)	(1,480)	(16)	(4,386)	(106)	(154)
Net carrying value	47,888	154,868	143,084	17,285	315,237
Stage 1 (%)	0.0	0.1	0.2	0.1	–	0.0	0.0
• Strong (%)	0.0	0.1	0.2	0.1	0.1	0.0	0.0
• Satisfactory (%)	0.0	0.3	1.5	0.2	0.4	0.1	0.1
Stage 2 (%)	0.6	3.1	6.0	0.2	3.5	1.5	1.5
• Strong (%)	–	0.5	5.3	–	2.8	1.8	0.0
• Satisfactory (%)	0.6	3.8	12.3	0.2	3.7	1.3	1.6
• Higher risk (%)	–	2.1	7.4	–	3.7	3.2	4.8
Of which (stage 2) (%):
• Less than 30 days past due (%)	–	2.3	12.3	–	6.8	–	–
• More than 30 days past due (%)	–	0.9	7.4	–	5.7	–	–
Stage 3, credit-impaired financial assets (S3) (%)	10.0	58.8	55.1	100.0	57.6	25.0	17.2
• Stage 3 Collateral	–	347	687	–	1,034	–	88
• Stage 3 Cover ratio (after collateral) (%)	10.0	67.3	92.0	100.0	75.1	25.0	34.3
Cover ratio (%)	–	1.8	1.0	0.1	1.4	–	0.1
Fair value through profit or loss
Performing	41,611	64,426	2	34	64,462	–	–
• Strong	30,742	34,411	2	–	34,413	–	–
• Satisfactory	10,869	30,015	–	34	30,049	–	–
• Higher risk	–	–	–	–	–	–	–
Impaired (CG13-14)	197	–	–	–	–	–	–
Gross balance (FVTPL)2	41,808	64,426	2	34	64,462	–	–
Net carrying value (incl FVTPL)	89,696	219,294	143,086	17,319	379,699	–	–

	9 months ended 30.09.26			9 months ended 30.09.25¹
	Stage 1 & 2	Stage 3	Total	Stage 1 & 2	Stage 3	Total
	$million	$million	$million	$million	$million	$million
Corporate & Investment Banking	158	(32)	126	129	(76)	53
Wealth & Retail Banking	61	349	410	100	369	469
Central & other items	1	(1)	–	–	2	2
Credit impairment charge/(release)	220	316	536	229	295	524

	30.09.26
	Credit risk	Operational risk	Market risk	Total risk
	$million	$million	$million	$million
Corporate & Investment Banking	133,930	23,826	27,753	185,509
Wealth & Retail Banking	46,140	11,884	–	58,024
Central & other items	16,951	(599)	3,389	19,741
Total risk-weighted assets	197,021	35,111	31,142	263,274

	Credit risk1
	Corporate & Investment Banking	Wealth & Retail Banking	Central & other items	Total	Operational risk	Market risk	Total risk
	$million	$million	$million	$million	$million	$million	$million
At 1 January 2025	124,378	48,714	16,211	189,303	29,479	28,283	247,065
Assets growth & mix2	(2,360)	(1,927)	2,698	(1,589)	–	–	(1,589)
Asset quality2	2,070	(593)	494	1,971	–	–	1,971
Model Updates	(1,265)	198	–	(1,067)	–	63	(1,004)
Methodology and policy changes	–	–	–	–	–	–	–
Acquisitions and disposals	(293)	(92)	(19)	(404)	–	–	(404)
Foreign currency translation	2,658	1,049	224	3,931	–	–	3,931
Other, Including non-credit risk movements	–	–	–	–	5,744	2,317	8,061
At 31 December 2025	125,188	47,349	19,608	192,145	35,223	30,663	258,031
Assets growth & mix	9,941	(601)	(2,782)	6,558	–	–	6,558
Asset quality	(1,075)	132	79	(864)	–	–	(864)
Model Updates	508	(502)	–	6	–	(677)	(671)
Methodology and policy changes	–	–	–	–	–	–	–
Acquisitions and disposals	–	–	–	–	–	–	–
Foreign currency translation	(632)	(238)	46	(824)	–	–	(824)
Other, Including non-credit risk movements	–	–	–	–	(112)	1,156	1,044
At 30 September 2026	133,930	46,140	16,951	197,021	35,111	31,142	263,274

3rd Quarter Results

Summary by AI BETAClose X

Companies

UK 100

Latest directors dealings

Summary by AI ^BETAClose X