**Summary of Standard Chartered PLCs Half-Year Report 2025**
**Financial Performance**
**Profit for the Period**£3.326 billion, up from £2.369 billion in H1 2024.
**Operating Income**£10.906 billion, up from £9.791 billion in H1 2024.
**Net Interest Income**£3.044 billion, slightly up from £3.175 billion in H1 2024.
**Net Fee and Commission Income**£2.132 billion, up from £1.921 billion in H1 2024.
**Net Trading Income**£5.438 billion, up from £4.749 billion in H1 2024.
**Credit Impairment Charge**£336 million, up from £240 million in H1 2024.
**Return on Tangible Equity (RoTE)**12.9%, up from 8.3% in H1 2024.
**Key Metrics**
**Common Equity Tier 1 (CET1) Ratio**14.3%, up from 14.2% in FY2024.
**Leverage Ratio**: 4.7%down from 4.8% in FY2024.
**Liquidity Coverage Ratio (LCR)**146%, up from 138% in FY2024.
**Net Stable Funding Ratio (NSFR)**137%, consistent with regulatory requirements.
**Business Segments**
**Corporate & Investment Banking (CIB)**Strong performance driven by increased exposure to financial guarantees and undrawn commitments.
**Wealth & Retail Banking (WRB)**Growth in mortgage portfolios across Korea, Taiwan, and Singapore, and higher demand for secured wealth products in Singapore.
**Ventures**: Asset balance growthprimarily from SC Ventures.
**Risk Management**
**Credit Risk**Maximum exposure increased to £873.8 billion from £823.4 billion in FY2024. Stage 2 loans increased due to exposure to sovereign-related and commercial real estate clients.
**Market Risk**Average trading VaR increased to £27.9 million from £20.7 million in H2 2024, driven by market volatility and model enhancements.
**Operational Risk**Elevated risks in areas like change mismanagement, operational resilience, and third-party risk management.
**Sustainability and ESG**
**Net Zero Commitments**On track to achieve net zero emissions from operations by 2025 and from financing by 2050.
**Sustainable Finance**Continued focus on green and sustainable product frameworks, with increased sustainable finance assets and revenue.
**Strategic Initiatives**
**Fit for Growth (FFG)**Ongoing initiatives to improve productivity and simplify technology platforms, with costs of £160 million in H1 2025.
**Digital Transformation**Continued investment in digital banking platforms, including Mox Bank and Trust Bank.
**Capital Management**
**Share Buybacks**£1.5 billion share buyback completed in H1 2025, with a further £1.3 billion announced for Q3 2025.
**Dividends**Interim dividend of 12.3 pence per share declared for H1 2025.
**Outlook**
**Economic Environment**Continued challenges due to trade policy instability, geopolitical tensions, and sovereign debt pressures.
**Strategic Focus**Emphasis on sustainable growth, digital transformation, and risk management to support long-term profitability and shareholder value.
**Conclusion**
Standard Chartered PLC demonstrated robust financial performance in H1 2025, with strong growth in operating income, profit, and key financial metrics. The bank remains well-capitalized and focused on strategic initiatives to drive sustainable growth while managing risks effectively.