Standard Chartered : Full Year - Presentation (25 February 2021, PDF)

FY'20 and 4Q'20 Results and investor update

25 February 2021

Contents

	Bill Winters Group Chief Executive	3 and 19
Andy Halford Group Chief Financial Officer	4
Appendix
Income guidance, macroeconomic indicators and interest rate sensitivity	30
Vulnerable sectors and COVID-19 relief measures	35
Information for fixed income investors	38
Sustainability	50
Notes, abbreviated terms and important notice	58

We are weathering the health crisis and geopolitical tensions well Our strategic transformation continues

Strategic progress

• • We have been successfully executing the 2019 strategic priorities

  • o Delivering our differentiated network and affluent businesses

  • o Launching transformational digital capabilities

  • o Optimising returns in target markets: PBT up 34% YoY1 and we sold Permata

• • Actions since 2015 ensured operational and financial resilience in 2020

  • o Encouraging signs of agility in response to COVID-19 and with new initiatives

• • The refreshed priorities announced today link directly to our Purpose

  Performance

• • COVID-19 led to severe economic dislocation and sharply lower interest rates

• • But we remain profitable, with very strong capital and liquidity

  • o We are determined to optimise our capital to maximise RoTE

  • o We are resuming the dividend and buying back shares

• • The strategic drivers to achieve our RoTE targets are still in place

  • o We were on the right track to reach >10% until the pandemic hit …

  • o … and the path to deliver that objective remains clear

Footnotes on pages 59-64; Glossary on pages 65-66

Andy Halford

Group Chief Financial Officer