Standard Chartered Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	25,301	27,862	27,227	15,252	10,246	12,292
Interest Paid on Deposits	19,140	21,496	19,458	7,659	3,448	5,440
Net Interest Income	6,161	6,366	7,769	7,593	6,798	6,852
Net Interest Income Growth (YoY)	-5.46%	-18.06%	2.32%	11.70%	-0.79%	-10.63%
Income From Trading Activities	10,333	9,615	6,292	5,310	3,431	3,672
Gain (Loss) on Sale of Assets	-187	-187	389	363	859	151
Gain (Loss) on Sale of Investments	-237	-237	-965	-515	-143	431
Other Non-Interest Income	4,748	3,986	3,674	3,259	3,456	3,648
Total Non-Interest Income	14,657	13,177	9,390	8,417	7,603	7,902
Non-Interest Income Growth (YoY)	17.92%	40.33%	11.56%	10.71%	-3.78%	1.96%
Revenues Before Loan Losses	20,818	19,543	17,159	16,010	14,401	14,754
Provision for Loan Losses	661	557	528	836	263	2,294
Revenue	20,157	18,986	16,631	15,174	14,138	12,460
Revenue Growth (YoY)	9.28%	14.16%	9.60%	7.33%	13.47%	-14.13%
Salaries and Employee Benefits	8,149	7,990	7,924	7,340	7,173	6,575
Occupancy Expenses	1,178	1,126	1,071	1,186	1,181	1,663
Selling, General & Administrative	3,353	3,200	2,450	2,308	2,242	1,963
Total Non-Interest Expense	12,636	12,208	11,304	10,678	10,400	10,050
EBT Excluding Unusual Items	7,521	6,778	5,327	4,496	3,738	2,410
Asset Writedown	-588	-588	-130	-39	-55	-150
Legal Settlements	-	-	-	-	-	165
Other Unusual Items	-	-	10	-	-	-
Pretax Income	6,949	6,014	5,093	4,286	3,347	1,613
Income Tax Expense	1,799	1,972	1,631	1,384	1,034	862
Earnings From Continuing Operations	5,150	4,042	3,462	2,902	2,313	751
Minority Interest in Earnings	-19	8	7	46	2	-27
Net Income	5,131	4,050	3,469	2,948	2,315	724
Preferred Dividends & Other Adjustments	545	457	452	401	410	395
Net Income to Common	4,586	3,593	3,017	2,547	1,905	329
Net Income Growth	14.94%	16.75%	17.67%	27.34%	219.75%	-68.56%
Basic Shares Outstanding	2,374	2,543	2,778	2,966	3,108	3,160
Diluted Shares Outstanding	2,444	2,610	2,841	3,023	3,154	3,199
Shares Change (YoY)	-8.28%	-8.13%	-6.02%	-4.15%	-1.41%	-2.77%
EPS (Basic)	1.93	1.41	1.09	0.86	0.61	0.10
EPS (Diluted)	1.88	1.38	1.06	0.84	0.60	0.10
EPS Growth	24.91%	29.66%	25.98%	39.57%	486.41%	-81.74%
Dividend Per Share	0.403	0.370	0.270	0.180	0.120	0.090
Dividend Growth	34.33%	37.04%	50.00%	50.00%	33.33%	28.57%
Effective Tax Rate	25.89%	32.79%	32.02%	32.29%	30.89%	53.44%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.