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Standard Chartered PLC Q3’26 Results 28 October 2026 Registered in England under Company No. 966425 Registered Office: 1 Basinghall Avenue, London, EC2V 5DD, UK

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Contents 1 Performance highlights 2 Statement of results 3 Group Chief Financial Officer’s review 5 Financial review 11 Supplementary financial information 20 Risk review 23 Capital review 27 Financial statements 32 Other supplementary financial information 33 Important notices Unless another currency is specified, the word ‘dollar’ or symbol ‘$’ in this document means US dollar and the word ‘cent’ or symbol ‘c’ means one-hundredth of one US dollar. Unless the context requires, within this document, ‘China’ refers to the People’s Republic of China and, for the purposes of this document only, excludes Hong Kong Special Administrative Region (Hong Kong), Macau Special Administrative Region (Macau) and Taiwan. ‘Korea’ or ‘South Korea’ refers to the Republic of Korea. Within the tables in this report, blank spaces indicate that the number is not disclosed, dashes indicate that the number is zero and nm stands for not meaningful. Standard Chartered PLC is incorporated in England and Wales with limited liability. Standard Chartered PLC is headquartered in London. The Group’s head office provides guidance on governance and regulatory standards. Standard Chartered PLC stock codes are: HKSE 02888 and LSE STAN.LN.

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Standard Chartered PLC Standard Chartered PLC – Results for the third quarter ended 30 September 2026 All figures are presented on a reported basis and comparisons are made to 2025 on a constant currency basis, unless otherwise stated. Refer to page 4 for comparisons on a reported basis. Bill Winters, Group Chief Executive, said: “We delivered another strong quarter, with broad-based growth across our businesses and year-to-date earnings per share up 27%. We have long believed that the structural shifts in trade, investment and wealth creation would create significant opportunities for Standard Chartered, and our performance this quarter provides further evidence that we are capturing them. The consistency and breadth of our performance reflects the strength of our franchise and disciplined execution across the Group. This gives us confidence to raise our 2026 income guidance, and we now expect to deliver a RoTE of around 14% in 2026.” Selected information on Q3'26 financial performance with comparisons to Q3'25 unless otherwise stated • Operating income of $5.8bn, up 14 per cent, excluding notables2 – Net interest income1 (NII) up 9 per cent to $3.0bn; driven by volumes and improved balance sheet mix – Non-interest income1 of $2.8bn up 19 per cent; driven by strong momentum in Wealth Solutions and Global Markets – Wealth Solutions up 26 per cent, with broad-based growth in Investment Products and Bancassurance – Global Markets up 21 per cent, driven by double-digit growth in both flow and episodic income • Operating expenses of $3.4bn increased 9 per cent, also excluding notables2, largely driven by targeted investments for business growth, while maintaining positive income-to-cost jaws • Credit impairment charge down $98m to $90m, reflecting a $24m net release in Corporate & Investment Banking (CIB) and a $114m charge in Wealth & Retail Banking (WRB), which was broadly flat. • Profit before tax of $2.3bn, up 29 per cent • Return on Tangible Equity (RoTE) of 15.7 per cent, up 520bps • Balance sheet remains strong, liquid and well diversified with underlying loans and advances to customers up 4.1 per cent and underlying customer deposits were broadly flat quarter-on-quarter • Risk-weighted assets (RWA) of $263.3bn, up $1.8bn since 30.6.26; Credit risk RWA up $2.9bn, Market risk RWA down $1.1bn, and Operational risk RWA flat • The Group remains strongly capitalised with Common Equity Tier 1 (CET1) ratio of 13.8 per cent, down 31 bps quarter-on-quarter • Tangible net asset value per share of $17.26, up 2 per cent. Guidance Our revised 2026 guidance is as follows: • Operating income growth year-on-year to be above the 5-7 per cent growth range at constant currency and excluding notable2 items – Within which, net interest income1 expected to be up around 4 per cent year-on-year at constant currency • Cost-to-income ratio of around 60 per cent excluding notable2 items • RoTE to be around 14 per cent. S t a n d a r d C h a r t e r e d P L C | 1 HY26Ar53na!83 | Q 3 2026 Results 1 Net interest income and non-interest income are adjusted for trading book funding cost, treasury currency management activities, interest from cash collateral from trading businesses and from prime services activities. The reconciliation of adjusted and reported amounts of net interest income and non-interest income is on page 4 2 Notable items: 2026 year-to-date notable items include $11m in non-interest income and $71m in expenses, of which Q3 2026 includes $11m in non-interest income and ($3)m in expenses.

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Statement of results 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 3 months ended 3 months ended 30.09.26 30.09.25 Change¹ $million $million % 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 30.09.26 30.09.25 Change¹ $million $million % 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) 3 months ended 3 months ended 30.09.26 30.09.25 Change¹ 1 Variance is better/(worse) other than assets, liabilities and risk-weighted assets. Change is percentage points difference between two points rather than percentage change for total capital ratio (%), Common Equity Tier 1 ratio (%), advances-to-deposits ratio (%), liquidity coverage ratio (%), leverage ratio (%), cost-to-income ratio (%) and return on ordinary shareholders’ tangible equity (%) 2 Profit/(loss) attributable to ordinary shareholders is after the deduction of dividends payable to the holders of non-cumulative redeemable preference shares and Additional Tier 1 securities classified as equity 3 When calculating this ratio, total loans and advances to customers excludes reverse repurchase agreements and other similar secured lending, excludes approved balances held with central banks, confirmed as repayable at the point of stress and includes loans and advances to customers held at fair value through profit and loss. Total customer accounts include customer accounts held at fair value through profit or loss 4 Represents the earnings divided by the basic weighted average number of shares. Results represent three months to the end of the reporting period 5 Calculated on period end net asset value, tangible net asset value and number of shares 6 Performance/results within this interim financial report means amounts reported under UK-adopted International Accounting Standards and International Financial Reporting Standards 7 Results represent the position as at 30 September 2026 S t a n d a r d C h a r t e r e d P L C | 2 HY26Ar53na!83 | Q 3 2026 Results

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Group Chief Financial Officer’s review Summary of financial performance All commentary that follows is on a reported basis and comparisons are made to the equivalent period in 2025 on a constant currency basis, unless otherwise stated. Refer to Page 4 for comparisons on a reported basis. We delivered a strong performance in the third quarter. Operating income grew 14 per cent year-on-year to $5.8 billion, driven by a third successive record quarter in Wealth Solutions, along with strong growth in Global Markets and Global Banking. Operating expenses increased 9 per cent year-on-year, resulting in improved operating leverage with positive income-to-cost jaws of 5 per cent. Credit impairment halved to $90 million, equivalent to an annualised loan-loss rate of 9 basis points. Reported profit before tax was $2.3 billion, up 29 per cent year-on-year, resulting in a 55 per cent increase in earnings per share to 68.9 cents. The Group remains strongly capitalised and highly liquid. The liquidity coverage ratio of 154 per cent reflects disciplined balance sheet management. The Common Equity Tier 1 (CET1) ratio was 13.8 per cent, towards the top end of our guided range, with profit accretion funding an ordinary share buyback that was launched on 29th July 2026, while risk-weighted assets remained tightly managed. Adjusted net interest income1 increased by 9 per cent year-on-year, as the benefits of higher volumes were partly offset by the impact of lower interest rates and headwinds from WRB portfolio optimisation actions. Adjusted non-interest income1 grew 19 per cent, driven by record Wealth Solutions performance and strong growth in Global Markets, supported by sustained momentum in flow income. There was also strong growth in Transaction Services with broad-based growth across product classes and Global Banking benefitting from strong deal execution and sustained momentum in debt capital markets activity. Operating expenses increased 9 per cent year-on-year, primarily driven by business growth initiatives, including frontline hiring and affluent investments, along with increased technology support and infrastructure costs. Variable compensation was higher in the light of strong income and profit growth. The increase in expenses was in part funded by Fit For Growth efficiencies. Credit impairment of $90 million, down $98 million year-on-year, reflecting CIB portfolio releases partly offset by $34 million of net c h a r g e f r o m o v e r l a y s r e l a t i n g t o t h e M i d d l e E a s t c o n f l i c t . W R B i m p a i r m e n t r e m a i n e d b r o a d l y s t a b l e . T h e a n n u a l i s e d l o a n ‑ l o s s r a t e was 9 basis points for the quarter and is 20 basis points year-to-date. Losses from associates and joint ventures totalled $23 million, due to a combination of losses on investments mostly within Ventures. Taxation was $0.5 billion, with an effective tax rate of 21.7 per cent, down 5 percentage points on the prior year, reflecting improved UK profitability, lower non-deductible expenses and reduced withholding tax. RoTE strengthened to 15.7 per cent, up 520 basis points, reflecting the increased profits. Basic earnings per share (EPS) increased 55 per cent to 69 cents, reflecting both the increase in profits and the reduction in share count following the execution of successive share buyback programmes. Manus Costello Group Chief Financial Officer 28 October 2026 S t a n d a r d C h a r t e r e d P L C | 3 HY26Ar53na!83 | Q 3 2026 Results 1 Net interest income and non-interest income are adjusted for trading book funding cost, treasury currency management activities, interest from cash collateral from trading businesses and from prime services activities. The reconciliation of adjusted and reported amounts of net interest income and non-interest income is on page 4

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Group Chief Financial Officer’s review Financial performance summary 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 Q3'25¹ Change Constant currency change2 Q2'26 Change Constant currency change2 YTD'26 YTD'25¹ Change Constant currency change2 $million $million % % $million % % $million $million % % 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Comparisons presented on the basis of the current period’s transactional currency rate, ensuring like-for-like currency rates between the two periods 3 Change is the basis points (bps) difference between the two periods rather than the percentage change Net interest income and non-interest income 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 Q3'26 Q3'25 Q2'26 Adjusted1 Adjustment for Trading book funding cost and others Reported 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 $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 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 1 Adjusted net interest income and adjusted non-interest income reflect specified reclassification between reported net interest income and reported non-interest income, including trading-book funding adjustments, accounting asymmetries arising from Treasury currency-management activities, and cash collateral and p r i m e ‑ s e r v i c e s - r e l a t e d i t e m s S t a n d a r d C h a r t e r e d P L C | 4 HY26Ar53na!83 | Q 3 2026 Results

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Financial review Operating income by product 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 $million $million % % $million % % $million $million % % 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Comparisons presented on the basis of the current period’s transactional currency rate, ensuring like-for-like currency rates between the two periods The operating income by product commentary that follows is on a reported basis and comparisons are made to the equivalent period in 2025 on a constant currency basis, unless otherwise stated. Transaction Services income rose 9 per cent year-on-year, led by strong growth in Securities & Prime Services, supported by improved Payments & Liquidity and Trade & Working Capital performance. Payments & Liquidity income grew 8 per cent, supported by fee momentum and disciplined pricing leading to increased margins. Trade & Working Capital income increased 7 per cent, with strong fee growth and higher volumes offset by margin compression from capital optimisation actions. Securities & Prime Services income rose 18 per cent, driven by strong fee momentum, higher custody balances and client volumes. Global Banking grew 7 per cent. Lending & Financing Solutions income increased 10 per cent, on the back of growth in both loan origination and distribution volumes. Capital Markets & Advisory income declined by 4 per cent due to slower M&A activity, partly offset by strong debt capital markets activity. Global Markets delivered a strong performance, with income up 21 per cent. Flow income grew 21 per cent, driven by strong client activity as we continued to capture market opportunities across our footprint and episodic income increased 13 per cent. Wealth Solutions delivered a third consecutive record quarter, with income up 26 per cent, supported by broad-based momentum across products and geographies. Investment Products rose 28 per cent and Bancassurance grew 18 per cent, in part benefitting from the quarterly phasing of commissions from our Bancassurance partners. Affluent net new money balances were a record $20 billion, driven by proactive client engagement and strong new-to-bank affluent client onboarding. Deposits & Mortgages income was down by 1 per cent year-on-year. There was solid growth in deposit income, supported by strong growth in both CASA and term deposit balances, and higher interest rates in a number of markets. Mortgage income was materially lower, driven by the impact of the Best Lending Rate cap in Hong Kong restricting the ability to reprice mortgages, despite an increase in funding costs from higher interest rates, partly offset by volume growth. Credit Cards and Personal Loans (CCPL) & Other Unsecured Lending income was down by 13 per cent mainly on account of tighter credit standards and portfolio optimisation actions that led to the run-down or exit of select off-strategy portfolios. This was partly offset by continued growth in client numbers and volumes within the digital banks Mox and Trust. Treasury & Other increased by $167 million, mainly due to a positive $54 million movement in the Debit Valuation Adjustment (DVA) compared to negative $27 million in the third quarter of 2025 and an increase in the yield on Treasury securities and swaps relative to cost of funds. S t a n d a r d C h a r t e r e d P L C | 5 HY26Ar53na!83 | Q 3 2026 Results

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Financial review Profit before tax by client segment 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 Q3'25¹ Change Constant currency change2 Q2'26 Change Constant currency change2 YTD'26 YTD'25¹ Change Constant currency change2 $million $million % % $million % % $million $million % % 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Comparisons presented on the basis of the current period’s transactional currency rate, ensuring like-for-like currency rates between the two periods The client segment commentary that follows is on a reported basis and comparisons are made to the equivalent period in 2025 on a constant currency basis, unless otherwise stated. Corporate & Investment Banking (CIB) profit before taxation improved 38 per cent. Income grew 16 per cent with a strong Global Markets performance of 21 per cent growth year-on-year, supported by 9 per cent growth in Transaction Services and 7 per cent growth in Global Banking. Expenses were 8 per cent higher, reflecting continued investment in strategic initiatives and the impact of inflation. Credit impairment was a net release of $24 million, an $87 million improvement year-on-year primarily reflecting favourable portfolio movements partly offset by the net charges resulting from overlays relating to the Middle East conflict. Wealth & Retail Banking (WRB) profit before taxation increased 16 per cent, supported by a 10 per cent rise in income led by a record performance in Wealth Solutions. Expenses increased 8 per cent on a headline basis, as continued investment in affluent business growth initiatives and digital capabilities was partly funded by efficiency initiatives. Credit impairment was $114 million, flat compared to the prior year. Central & other items (C&O) recorded a loss before tax of $334 million, an $83 million deterioration year-on-year driven by higher expenses and increased losses from associates and joint ventures. Adjusted net interest income and margin 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 Q3'25 Change1 Q2'26 Change1 YTD'26 YTD'25 Change1 $million $million % $million % $million $million % 1 Variance is better/(worse), other than assets and liabilities which is increase/(decrease) 2 Adjusted net interest income is net interest income less trading-book funding adjustments, accounting asymmetries arising from Treasury currency-management activities, and cash collateral and prime-services-related items 3 Average interest-earning assets and interest-bearing liabilities are adjusted for cash collateral balances in other assets and other liabilities that are related to the Global Markets trading book 4 Change is the basis points (bps) difference between the two periods rather than the percentage change 5 Adjusted net interest income divided by average interest-earning assets, annualised Adjusted net interest income increased by 9 per cent year-on-year on a constant currency basis. The benefit from volume growth and increased Treasury income was partially offset by asset margin compression and the impact of WRB portfolio actions. The net interest margin increased by 9 basis points to 203 basis points, as in a lower interest rate environment, the rate paid on liabilities fell more quickly than the reduction in gross asset yields, reflecting disciplined liability pricing and an improvement in balance sheet mix. S t a n d a r d C h a r t e r e d P L C | 6 HY26Ar53na!83 | Q 3 2026 Results

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Financial review Compared with the prior quarter, adjusted net interest income increased 3 per cent, as volume growth and the benefit from day count were partly offset by margin headwinds in WRB Term Deposits. The net interest margin was stable. Average interest-earning assets grew 2 per cent over the prior quarter to $580 billion, supported by growth in Wealth Lending and Mortgages within WRB and by the successful execution of a strong pipeline of Global Banking deals. Gross yields improved 9 basis points over the prior quarter reflecting the impact of higher interest rates in key markets. Average interest-bearing liabilities grew 2 per cent over the prior quarter to $634 billion, driven by strong growth in WRB term deposits including flows from Foreign Currency Non-Resident (FCNR) scheme in India, partly offset by a reduction in Transaction Services CASA which included the effect of seasonal outflows. The rate paid on liabilities increased by 8 basis points over the prior quarter, reflecting the impact of higher interest rates. Credit risk summary Income statement view 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 Q3'26 Q3'25² Change1 Q2'26 Change1 YTD'26 YTD'252 Change1 $million $million % $million % $million $million % 1 Variance is increase/(decrease) comparing current reporting period to prior reporting period 2 Comparatives have been re-presented and underlying results are no longer reported, in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 Balance sheet Gross loans and advances to customers2 319,623 303,415 5 290,849 10 289,609 10 Of which stage 1 301,120 283,953 6 275,062 9 271,037 11 Of which stage 2 12,580 13,757 (9) 9,823 28 12,975 (3) Of which stage 3 5,923 5,705 4 5,964 (1) 5,597 6 Expected credit loss provisions (4,386) (4,136) 6 (4,061) 8 (4,482) (2) Of which stage 1 (537) (515) 4 (528) 2 (509) 6 Of which stage 2 (435) (489) (11) (446) (2) (515) (16) Of which stage 3 (3,414) (3,132) 9 (3,087) 11 (3,458) (1) Net loans and advances to customers 315,237 299,279 5 286,788 10 285,127 11 Of which stage 1 300,583 283,438 6 274,534 9 270,528 11 Of which stage 2 12,145 13,268 (8) 9,377 30 12,460 (3) Of which stage 3 2,509 2,573 (2) 2,877 (13) 2,139 17 Cover ratio of stage 3 before/after collateral (%)3 58/75 55/72 3/3 52/68 6/7 62/78 (4)/(3) Credit grade 12 accounts ($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 30.06.26 Change1 31.12.25 Change1 30.09.25 Change1 $million $million % $million % $million % 1 Variance is increase/(decrease) comparing current reporting period to prior reporting period 2 Includes reverse repurchase agreements and other similar secured lending held at amortised cost of $5,944 million (30 June 2026: $7,395 million; 31 December 2025: $8,242 million and 30 September 2025: $6,162 million) 3 Change is the percentage points difference between the two points rather than the percentage change 4 Includes non-purely precautionary early alert balances Asset quality remained resilient in the quarter. The Group continues to actively manage the credit portfolio while remaining alert to a volatile and challenging external environment including the Middle East conflict, energy and commodity price volatility and trade uncertainty, which has led to idiosyncratic stress in a select number of geographies and industry sectors. S t a n d a r d C h a r t e r e d P L C | 7 HY26Ar53na!83 | Q 3 2026 Results

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Financial review Credit impairment recorded a net charge of $90 million, down $98 million year-on-year, driven by releases from CIB portfolio movements, partly offset by $34 million of net charge from overlays relating to the Middle East conflict. WRB impairment remained broadly stable. The third quarter charge is equivalent to an annualised loan-loss rate of 9 basis points, while the year-to-date annualised loan-loss-rate is 20 basis points. The non-linearity impact increased from the inclusion of a new downside scenario, in addition to the existing Bank Capital Stress test scenario. This new scenario (enhanced in Q3) considers a prolonged geopolitical crisis in the Middle East, which captures the heightened disruption across the Strait of Hormuz as well as the Red Sea, leading to sustained disruptions in energy, trade and supply chain, and elevated global commodity prices, alongside higher downside probability weightings as the likelihood of these scenarios materialising increased. This reflects an increased probability weighting of the two downside scenarios from 41 per cent as at 31 December 2025 to 60 per cent, while the base forecast probability weighting reduced from 59 per cent as at 31 December 2025 to 40 per cent. In addition, we have taken overlays in relation to the petrochemical and other sectors impacted by high oil prices, selected WRB portfolios being assessed as particularly vulnerable to Middle East-related disruption and for potential sovereign downgrades. Gross Stage 3 loans and advances to customers increased by $0.2 billion to $5.9 billion in the quarter, while credit-impaired loans remained at around 1.9 per cent of gross loans, as new inflows were partly offset by repayments and write-offs. Stage 2 balances decreased by $1.2 billion from 30 June 2026 to $12.6 billion, driven by portfolio movements and overlays related to Stage transfers in CIB, partly offset by higher WRB mortgage balances. The Stage 3 cover ratio increased by 3 percentage points from 30 June 2026 to 58 per cent, while the post-collateral cover ratio also rose by 3 percentage points to 75 per cent, reflecting a 9 per cent increase in Stage 3 provisions compared with a 4 per cent increase in gross Stage 3 loans and advances to customers. Credit grade 12 balances declined 40 per cent from 30 June 2026 to $0.7 billion due to credit grade upgrades and repayments. Early alert balances decreased to $5.2 billion from $5.8 billion at 30 June 2026, mainly due to a reduction in exposures. The Group continues to closely and carefully monitor exposures. The proportion of investment-grade corporate exposures increased by 2 percentage points year-on-year to 77 per cent. Balance sheet and liquidity 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 30.09.26 30.6.2026 Change1 31.12.25 Change1 30.09.25 Change1 $million $million % $million % $million % 1 Variance is increase/(decrease) comparing current reporting period to prior reporting periods 2 The Group excludes $7,087 million held with central banks (30 June 2026: $8,649 million, 31 December 2025: $8,474 million and 30 September 2025: $8,956 million) that has been confirmed as repayable at the point of stress. Advances exclude reverse repurchase agreement and other similar secured lending of $5,944 million (30 June 2026: $7,395 million, 31 December 2025: $8,243 million and 30 September 2025: $6,162 million) and include loans and advances to customers held at fair value through profit or loss of $11,535 million (30 June 2026: $11,054 million, 31 December 2025: $12,355 million and 30 September 2025: $9,421 million). Deposits include customer accounts held at fair value through profit or loss of $30,894 million (30 June 2026: $25,939 million, 31 December 2025: $19,414 million and 30 September 2025: $24,545 million) 3 Others includes all other assets other than loans and advances to banks and loans and advances to customers 4 Others includes all other liabilities other than deposits by banks and customer accounts S t a n d a r d C h a r t e r e d P L C | 8 HY26Ar53na!83 | Q 3 2026 Results

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Financial review The Group’s balance sheet remains strong, liquid and well diversified. Loans and advances to customers increased by $16 billion, or 5 per cent from 30 June 2026 to $315.2 billion, reflecting growth across WRB and CIB. Excluding the $4 billion increase from currency translation, the underlying growth was primarily driven by strong momentum in WRB with Wealth Solution Lending in part benefitting from the India Foreign Currency Non-Resident (FCNR) scheme and Mortgages growth, as well as strong execution of the Global Banking pipeline within CIB. Customer accounts increased by $6 billion, or 1 per cent from 30 June 2026 to $558.3 billion. Excluding currency translation impacts, customer accounts were broadly flat. There was continued strong growth in WRB particularly in term deposits from sustained Affluent net new money inflows including from the India Foreign Currency Non-Resident (FCNR) scheme. This was offset by lower CIB CASA balances from a combination of deliberate balance sheet optimisation actions and temporary client outflows. Other assets decreased by $13 billion or 2 per cent from 30 June 2026 to $635.5 billion, with a $12 billion decrease in cash and balances with Central banks, a $12 billion decrease in unsettled trades and other financial assets, a $4 billion decrease in financial assets held at fair value through profit or loss partly offset by a $6 billion increase in Investment Securities and a $6 billion increase in derivative financial instruments. Other liabilities are flat at $356.4 billion compared to 30 June 2026, with a $9 billion increase in derivative financial instruments, a $5 billion increase in cash collateral, a $4 billion increase in debt securities in issue offset by a $15 billion decrease in unsettled trades and other financial liabilities and a $2 billion decrease in financial liabilities held at fair value through profit and loss. The advances-to-deposits ratio increased to 53.3 per cent from 50.9 per cent as of 30 June 2026. The point-in-time liquidity coverage ratio increased by 6 percentage points in the quarter to 154 per cent and remains well above the minimum regulatory requirement of 100 per cent. Risk-weighted assets (RWAs) By risk type Credit risk 197,021 194,082 1.5 192,145 3 191,074 3 Operational risk 35,111 35,111 – 35,223 – 32,578 8 Market risk 31,142 32,258 (3.5) 30,663 2 34,726 (10) Total RWAs 263,274 261,451 0.7 258,031 2 258,378 2 30.09.26 30.06.26 Change1 31.12.25 Change1 30.09.25 Change1 $million $million % $million % $million % 1 Variance is increase/(decrease) comparing current reporting period to prior reporting periods Total risk-weighted assets of $263 billion increased by $1.8 billion from 30 June 2026: • Credit risk RWA at $197 billion increased by $2.9 billion as compared with 30 June 2026. The increase was driven by asset growth and mix of $3.9 billion, primarily in CIB and $1.2 billion inflation from currency translation. This was partially offset by a $1.3 billion reduction related to an improvement in asset quality and $0.9 billion from RWA optimisation actions. • Operational risk RWA remained unchanged in the quarter as the Group is now performing the annual operational risk RWA computation in the fourth quarter of the year. • Market risk RWA decreased by $1.1 billion to $31.1 billion, driven by a decrease in value-at-risk of $1.1 billion and a fall in specific interest rate risk of $1.3 billion to $10.8 billion. This was partially offset by increases in stressed value-at-risk of $0.8 billion, commodities risk under standardised approach of $0.4 billion and structural FX exposure of $0.3 billion. S t a n d a r d C h a r t e r e d P L C | 9 HY26Ar53na!83 | Q 3 2026 Results

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Financial review Capital base and ratios CET1 capital 36,442 37,003 (2) 36,440 – 36,594 – Additional Tier 1 capital (AT1) 9,082 9,085 – 7,509 21 6,515 39 Tier 1 capital 45,524 46,088 (1) 43,949 4 43,109 6 Tier 2 capital 7,695 9,076 (15) 9,278 (17) 9,422 (18) Total capital 53,219 55,164 (4) 53,227 – 52,531 1 CET1 capital ratio (%)2 13.8 14.2 (31) 14.1 (28) 14.2 (32) Total capital ratio (%)2 20.2 21.1 (88) 20.6 (41) 20.3 (12) Leverage ratio (%)2 4.6 4.7 (11) 4.7 (9) 4.6 (1) 30.09.26 30.06.26 Change1 31.12.25 Change1 30.09.25 Change1 $million $million % $million % $million % 1 Variance is increase/(decrease) comparing current reporting period to prior reporting periods 2 Change is percentage points difference between two points rather than percentage change The Group’s CET1 ratio of 13.8 per cent was 31 basis points lower compared to 30 June 2026 and remains 3.6 percentage points above the Group’s current regulatory minimum CET1 requirement. The Group’s Pillar 2A requirement will be lower following a supervisory review and this will lead to a 30 basis points reduction in the Group’s CET1 requirement from 1 January 2027. The 31 basis points reduction in the CET1 ratio during the quarter was primarily driven by shareholder distributions. Growth in RWA led to a further 10 basis point reduction in the CET1 ratio. These factors were partly offset by 67 basis points increase from profit accretion during the quarter. The Group is part way through the $1.0 billion share buyback programme announced on 29 July 2026, and by 30 September 2026 had spent $484 million purchasing 16 million ordinary shares, reducing the share count by approximately 1 per cent. Although the share buyback was still ongoing as at 30 September 2026, the entire $1.0 billion was deducted from CET1 in the period, equivalent to a 38 basis point reduction in the CET1 ratio. The Group is accruing the foreseeable dividend in respect of the final 2026 ordinary share dividend in the third quarter. This is not an indication of the Group's final 2026 ordinary share dividend, which will be proposed by the Board at the presentation of the 2026 full year results. The increase in the foreseeable dividend for ordinary dividend and AT1 coupons reduced the CET1 ratio by 40 basis points. The Group’s leverage ratio of 4.6 per cent is 11 basis points lower than at 30 June 2026. The Group’s leverage ratio remains significantly above its minimum requirement of 3.7 per cent. S t a n d a r d C h a r t e r e d P L C | 10 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information Performance by client segment 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 Corporate & Investment Banking Wealth & Retail Banking Central & other items Total Corporate & Investment Banking Wealth & Retail Banking Central & other items Total $million $million $million $million $million $million $million $million 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 FVTPL includes reverse repurchase agreements of Q3’26: $52,928 million and Q3’25: $53,018 million S t a n d a r d C h a r t e r e d P L C | 11 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information All commentary that follows is on a reported basis and comparisons are made to the equivalent period in 2025 on a constant currency basis, unless otherwise stated. Corporate & Investment Banking 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 $million $million % % $million % % $million $million % % 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Variance is better/(worse), other than risk-weighted assets, assets and liabilities, which is increase/(decrease) 3 Comparisons presented on the basis of the current period’s transactional currency rate, ensuring like-for-like currency rates between the two periods 4 FVTPL includes reverse repurchase agreements of Q3’26: $52,928 million and Q3’25: $53,018 million 5 Change is the basis points (bps) difference between the two periods rather than the percentage change 6 Change is the percentage points difference between the two periods rather than the percentage change S t a n d a r d C h a r t e r e d P L C | 12 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information Performance highlights • Profit before tax of $1,607 million increased 38 per cent year-on-year, driven by higher operating income and a net impairment release, partly offset by higher operating expenses. • Operating income of $3,395 million increased by 16 per cent year-on-year, driven by growth across Global Markets, Transaction Services, and Global Banking. • Transaction Services income rose 9 per cent year-on-year, with broad-based growth across products. Securities & Prime Services income increased 18 per cent, driven by higher custody balances and client volumes. Payments & Liquidity income grew 8 per cent, with fee momentum and disciplined pricing, mitigating the impact of lower rates. Trade & Working Capital increased 7 per cent, as growth in exposures and fees offset capital optimisation actions. • Global Banking income grew 7 per cent on the back of growth in loan origination and distribution volumes and strong debt capital markets activity, reflecting effective execution of the deal pipeline. • Global Markets income increased 21 per cent year-on-year. Flow income grew 21 per cent, driven by strong client activity as we continued to capture market opportunities across our footprint and episodic income rose 13 per cent year-on-year. • Operating expenses increased 8 per cent, reflecting continued investment in strategic initiatives, inflation linked cost increases and higher performance related variable compensation. • Credit Impairment was a net release of $24 million, an $87 million improvement year-on-year, primarily reflecting favourable portfolio movements, partly offset by $36 million of net charge from overlays relating to the Middle East conflict. • RWAs of $185.5 billion were stable compared to 30 June 2026, with higher credit RWA offset by lower Market RWA. S t a n d a r d C h a r t e r e d P L C | 13 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information Wealth & Retail Banking 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 $million $million % % $million % % $million $million % % 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Variance is better/(worse), other than risk-weighted assets, assets and liabilities, which is increase/(decrease) 3 Comparisons presented on the basis of the current period’s transactional currency rate, ensuring like-for-like currency rates between the two periods 4 Change is the basis points (bps) difference between the two periods rather than the percentage change 5 Change is the percentage points difference between the two periods rather than the percentage change Performance highlights • Profit before tax of $977 million increased by 16 per cent, supported by higher operating income. • Operating income of $2,525 million grew 10 per cent, primarily driven by Wealth Solutions, which grew by 26 per cent. Wealth Solutions has delivered three consecutive record quarters, supported by broad-based momentum across products and geographies. This performance was underpinned by a record $20 billion of affluent net new money and the acquisition of 76,000 new-to-bank clients during the quarter. Deposits & Mortgages were down by 1 per cent due to margin compression from lower interest rates, largely offset by volume growth and proactive pricing actions. CCPL & Other Unsecured Lending declined 13 per cent, reflecting portfolio optimisation actions, partly offset by growth in Digital Banks. Included within operating income is $11 million of gain on sale of the WRB Sri Lanka business, which is treated as a notable item. • Operating expenses increased by 8 per cent year-on-year, from continued investment in affluent business growth initiatives, including the hiring of affluent relationship managers, uplifting digital capabilities and enhancing client engagement. This was part-funded through efficiency initiatives on branches, off-strategy products and client segments. • Credit impairment was $114 million, flat compared to the prior year, reflecting continued improvement in credit quality following the strategic pivot towards affluent clients and ongoing credit remediation actions. • RWAs increased by $0.6 billion to $58.0 billion since 30 June 2026, primarily reflecting growth in Wealth Lending and Mortgages balances, partly offset by optimisation actions from reducing Unsecured Lending portfolios. S t a n d a r d C h a r t e r e d P L C | 14 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information Central & other items 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 Q3'25¹ Change2 Constant currency change2,3 Q2'26 Change2 Constant currency change2,3 YTD'26 YTD'25¹ Change2 Constant currency change2,3 $million $million % % $million % % $million $million % % 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Variance is better/(worse), other than risk-weighted assets, assets and liabilities, which is increase/(decrease) 3 Comparisons presented on the basis of the current period’s transactional currency rate, ensuring like-for-like currency rates between the two periods 4 Change is the basis points (bps) difference between the two periods rather than the percentage change 5 Change is the percentage points difference between the two periods rather than the percentage change Performance highlights • Loss before taxation of $334 million, increased 27 per cent compared to prior year. The deterioration was predominantly driven by higher operating expenses, an increase in the share of losses from associates and joint ventures and lower operating income. • Operating income declined 2 per cent year-on-year to a loss of $139 million as lower funding costs were offset by lower Treasury income retained centrally. • Operating expenses increased by 37 per cent to $157 million, driven by a $45 million provision relating to potential legal action regarding a historical transaction in a legacy business. • Losses from associates and joint ventures totalled $23 million, due to a combination of losses on investments mostly within Ventures. S t a n d a r d C h a r t e r e d P L C | 15 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information Performance by key market 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 Q3'26 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 1,218 278 295 163 744 344 304 360 316 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 Q3'25¹ Hong Kong Korea China Taiwan Singapore India UAE UK US Other Group $million $million $million $million $million $million $million $million $million $million $million S t a n d a r d C h a r t e r e d P L C | 16 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information 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 Q2'26 Hong Kong Korea China Taiwan Singapore India UAE UK US Other Group $million $million $million $million $million $million $million $million $million $million $million 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 FVTPL includes reverse repurchase agreements of Q3’26: $52,928 million and Q3’25: $53,018 million Quarterly operating income by product 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 Q2'26 Q1'26 Q4'25¹ Q3'25¹ Q2'25¹ Q1'25¹ Q4'24¹ $million $million $million $million $million $million $million $million 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 S t a n d a r d C h a r t e r e d P L C | 17 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information Earnings per ordinary share 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 Q3'25¹ Change Q2'26 Change YTD'26 YTD'25¹ Change $million $million % $million % $million $million % 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 S t a n d a r d C h a r t e r e d P L C | 18 HY26Ar53na!83 | Q 3 2026 Results

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Supplementary financial information Return on Tangible Equity 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 Q3'26 Q3'25² Change Q2'26 Change YTD'26 YTD'25² Change $million $million % $million % $million $million % 1 Change is the basis points (bps) difference between the two periods rather than the percentage change 2 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 Net Tangible Asset Value per Share 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 – 30.09.26 30.09.25 Change 30.6.2026 Change 31.12.25 Change $million $million % $million % $million % Loan Loss Rate 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 9 months ended 9 months ended 30.09.2026 30.09.2025 $million $million S t a n d a r d C h a r t e r e d P L C | 19 HY26Ar53na!83 | Q 3 2026 Results

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Risk review Credit quality by client segment 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 – – 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 1 Loans and advances includes reverse repurchase agreements and other similar secured lending of $5,944 million under Customers and of $4,608 million under Banks, held at amortised cost 2 Loans and advances includes reverse repurchase agreements and other similar secured lending of $52,928 million under Customers and of $39,208 million under Banks, held at fair value through profit or loss S t a n d a r d C h a r t e r e d P L C | 20 HY26Ar53na!83 | Q 3 2026 Results

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Risk review 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 – – 31.12.25¹ 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 1 Comparatives have been restated in accordance with RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Loans and advances includes reverse repurchase agreements and other similar secured lending of $8,242 million under Customers and of $3,724 million under Banks, held at amortised cost 3 Loans and advances includes reverse repurchase agreements and other similar secured lending of $50,443 million under Customers and of $33,689 million under Banks, held at fair value through profit or loss S t a n d a r d C h a r t e r e d P L C | 21 HY26Ar53na!83 | Q 3 2026 Results

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Risk review Credit impairment charge 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 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 1 Comparatives have been restated in accordance with RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 S t a n d a r d C h a r t e r e d P L C | 22 HY26Ar53na!83 | Q 3 2026 Results

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Capital review Capital ratios 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 Change1 31.12.25 Change1 Capital base2 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 30.09.26 30.06.26 Change3 31.12.25 Change3 $million $million % $million % 1 Change in percentage points difference between two points rather than percentage change 2 Capital base is prepared on the regulatory scope of consolidation 3 Variance is increase/ (decrease) comparing current reporting period to prior reporting periods S t a n d a r d C h a r t e r e d P L C | 23 HY26Ar53na!83 | Q 3 2026 Results

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Capital review Movement in total capital 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 9 months ended 12 months ended 30.09.26 31.12.25 $million $million S t a n d a r d C h a r t e r e d P L C | 24 HY26Ar53na!83 | Q 3 2026 Results

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Capital review Risk-weighted assets by business 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 30.09.26 Credit risk Operational risk Market risk Total risk $million $million $million $million 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 30.06.26 Credit risk Operational risk Market risk Total risk $million $million $million $million 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 31.12.25¹ Credit risk Operational risk Market risk Total risk $million $million $million $million 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 Movement in risk-weighted assets 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 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 1 Comparatives have been re-presented in accordance with the RNS titled ‘Re-presentation of Financial Information’ issued on 25 March 2026 2 Prior period comparatives have been represented to reflect movements in asset growth & mix previously reflected within asset quality S t a n d a r d C h a r t e r e d P L C | 25 HY26Ar53na!83 | Q 3 2026 Results

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Capital review Leverage ratio 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 – 30.09.26 30.06.26 Change1 31.12.25 Change1 $million $million % $million % 1 Variance is increase/ (decrease) comparing current reporting period to prior reporting periods 2 Includes regulatory consolidation adjustments, including qualifying central bank claims, unsettled regular-way trades, and Hong Kong Certificates of Indebtedness (HK COI), effective from July 2026 3 Change in percentage points difference between two points rather than percentage change S t a n d a r d C h a r t e r e d P L C | 26 HY26Ar53na!83 | Q 3 2026 Results

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Financial statements Condensed consolidated interim income statement For the nine months ended 30 September 2026 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 30.09.26 30.09.25 (Restated) $million $million 1 Staff costs in the prior year have reduced by $566 million to $6,066 million and General administrative expenses have increased by $566 million to $2,216 million, reflecting the re-presentation of capitalised Staff costs previously deducted from General administrative expenses S t a n d a r d C h a r t e r e d P L C | 27 HY26Ar53na!83 | Q 3 2026 Results

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Financial statements Condensed consolidated interim statement of comprehensive income For the nine months ended 30 September 2026 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 9 months ended 9 months ended 30.09.26 30.09.25 $million $million S t a n d a r d C h a r t e r e d P L C | 28 HY26Ar53na!83 | Q 3 2026 Results

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Financial statements Condensed consolidated interim balance sheet As at 30 September 2026 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 30.09.26 31.12.25 $million $million S t a n d a r d C h a r t e r e d P L C | 29 HY26Ar53na!83 | Q 3 2026 Results

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Financial statements Condensed consolidated interim statement of changes in equity For the nine months ended 30 September 2026 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 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 $million $million $million $million $million $million $million $million $million $million $million $million $million 1 Includes capital reserve of $5 million (31 December 2025: $5 million), capital redemption reserve of $582 million (31 December 2025: $538 million) and merger reserve of $17,111 million (31 December 2025: $17,111 million) 2 Includes actuarial (loss)/gain, net of taxation on group defined benefit schemes 3 During 2025, the Group announced the following share buybacks: a share buyback of up to $1,500 million in February 2025, which was completed in July 2025; and a share buyback of up to $1,300 million in July 2025, which was completed in January 2026 4 Movements in 2026 primarily includes non-controlling interest related to Trust Bank Singapore Limited ($18 million) and Libeara Pte. Ltd ($15 million) offset by Anchorpoint Financial Limited ($1 million). Movements in 2025 are primarily from Mox Bank Limited ($26 million), Standard Chartered Research and Technology India Private Limited ($12 million), Zodia Markets Holdings Limited ($15 million), Trust Bank Singapore Limited ($8 million), Anchorpoint Financial Limited ($6 million), Financial Inclusion Tech ($6 million) and Furaha Holding Ltd ($3 million) 5 Includes $348 million mark-to-market gain on equity instruments (net of tax), $103 million relating to transfer of gain on sale of equity investment to retained earnings and reversal of deferred tax liability $9 million 6 Includes $103 million gain on sale of equity investment in other comprehensive income reserve transferred to retained earnings partly offset by $9 million capital gain tax 7 All the amounts are net of tax 8 During 2026, the Group announced the following share buybacks: a share buyback of up to $1,500 million in February 2026, which was completed in June 2026; and a share buyback of up to $1,000 million in July 2026, which is ongoing as at 30 September 2026 9 Includes $2 million mark-to-market loss on equity instruments (net of tax) and $18 million gain on sale of equity investment in other comprehensive income reserve transferred to retained earnings 10 Includes $18 million gain on sale of equity investment in other comprehensive income reserve transferred to retained earnings S t a n d a r d C h a r t e r e d P L C | 30 HY26Ar53na!83 | Q 3 2026 Results

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Financial statements Basis of preparation This statement covers the results of Standard Chartered PLC together with its subsidiaries and equity accounted interest in associates and jointly controlled entities (the Group) for the nine months ended 30 September 2026. The financial information on which this statement is based, and the data set out in the appendix to this statement, are unaudited and have been prepared in accordance with the Group’s accounting policies. The Group’s material accounting policies are described in the Annual Report 2025, which have been prepared in accordance with UK-adopted international accounting standards and International Financial Reporting Standards (IFRS) (Accounting Standards) as adopted by the European Union (EU IFRS) as there are no applicable differences for the periods presented, and in conformity with the requirements of the Companies Act 2006. The Group’s Annual Report 2026 will continue to be prepared in accordance with these frameworks. The interim financial information does not constitute a full or condensed set of financial statements under IAS 34 ‘Interim Financial Reporting’ as contained in UK-adopted IAS or EU IFRS. The interim financial information has been prepared in accordance with the recognition and measurement principles, but not the disclosure requirements under UK-adopted IAS and EU IFRS. The information in this interim financial report is unaudited and does not constitute statutory accounts within the meaning of section 434 of the Companies Act 2006. All references to performance/results within this interim financial report means amounts reported under UK-adopted IAS and EU IFRS or in reference to the statutory accounts for the year ended 31 December 2025, unless otherwise stated. This document was approved by the Board on 28 October 2026. The statutory accounts for the year ended 31 December 2025 have been audited and delivered to the Registrar of Companies in England and Wales. The report of the auditors was (i) unqualified, (ii) did not include a reference to any matters to which the auditors drew attention by way of emphasis without qualifying their report, and (iii) did not contain a statement under sections 498(2) and 498(3) of the Companies Act 2006. Comparatives Comparatives have been restated in the income statement in line with the current year with respect to Staff costs and General administrative expenses. Details of these changes are set out in the income statement. Going concern The directors assessed the Group’s ability to continue as a going concern, including a review of the Group’s forecasts, Funding and Liquidity metrics, Capital and Liquidity plans, Legal and regulatory matters, Credit impairment, macroeconomic conditions and geopolitical headwinds, and confirm they are satisfied that the Group has adequate resources to continue in business for a period of twelve months from 28 October 2026. For this reason, the Group continues to adopt the going concern basis of accounting for preparing the interim financial information. S t a n d a r d C h a r t e r e d P L C | 31 HY26Ar53na!83 | Q 3 2026 Results

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Other supplementary financial information Net interest margin 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 3 months ended 3 months ended 3 months ended 30.09.26 30.06.26 30.09.25 $million $million $million 1 Average interest-earning assets and interest-bearing liabilities are adjusted for cash collateral balances in other assets and other liabilities that are related to the Global Markets trading book S t a n d a r d C h a r t e r e d P L C | 32 HY26Ar53na!83 | Q 3 2026 Results

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Important notices Forward-looking statements The information included in this document may contain ‘forward-looking statements’ based upon current expectations or beliefs as well as statements formulated with assumptions about future events. Forward-looking statements include, without limitation, projections, estimates, commitments, plans, approaches, ambitions and targets (including, without limitation, ESG commitments, ambitions and targets). Forward-looking statements often use words such as ‘may’, ‘could’, ‘will’, ‘expect’, ‘intend’, ‘estimate’, ‘anticipate’, ‘believe’, ‘plan’, ‘seek’, ‘aim’, ‘continue’ or other words of similar meaning to any of the foregoing. Forward-looking statements may also (or additionally) be identified by the fact that they do not relate only to historical or current facts. By their very nature, forward-looking statements are subject to known and unknown risks and uncertainties and other factors that could cause actual results, and the Group’s plans and objectives, to differ materially from those expressed or implied in the forward- looking statements. Readers should not place reliance on, and are cautioned about relying on, any forward-looking statements. There are several factors which could cause the Group’s actual results and its plans and objectives to differ materially from those expressed or implied in forward-looking statements. The factors include (but are not limited to): changes in global, political, economic, business, competitive and market forces or conditions, or in future exchange and interest rates; changes in environmental, geopolitical, social or physical risks; legal, regulatory and policy developments, including regulatory measures addressing climate change and broader sustainability-related issues; the development of standards and interpretations, including evolving requirements and practices in ESG reporting; the ability of the Group, together with governments and other stakeholders to measure, manage, and mitigate the impacts of climate change and broader sustainability-related issues effectively; risks arising out of health crises and pandemics; risks of cyber attacks, data, information or security breaches or technology failures involving the Group; changes in tax rates or policy; future business combinations or dispositions; and other factors specific to the Group, including those identified in Standard Chartered PLC’s Annual Report and the financial statements of the Group. To the extent that any forward-looking statements contained in this document are based on past or current trends and/or activities of the Group, they should not be taken as a representation that such trends or activities will continue in the future. No statement in this document is intended to be, nor should be interpreted as, a profit forecast or to imply that the earnings of the Group for the current year or future years will necessarily match or exceed the historical or published earnings of the Group. Each forward-looking statement speaks only as of the date that it is made. Except as required by any applicable laws or regulations, the Group expressly disclaims any obligation to revise or update any forward-looking statement contained within this document, regardless of whether those statements are affected as a result of new information, future events or otherwise. Please refer to Standard Chartered PLC’s Annual Report and the financial statements of the Group for a discussion of certain of the risks and factors that could adversely impact the Group’s actual results, and cause its plans and objectives to differ materially from those expressed or implied in any forward-looking statements. Non-IFRS performance measures and alternative performance measures This document may contain: (a) financial measures and ratios not specifically defined under: (i) International Financial Reporting Standards (IFRS) (Accounting Standards) as adopted by the European Union; or (ii) UK-adopted International Accounting Standards (IAS); and/or (b) alternative performance measures as defined in the European Securities and Market Authority guidelines. Such measures may exclude certain items which management believes are not representative of the underlying performance of the business and which distort period-on-period comparison. These measures are not a substitute for IAS or IFRS measures and are based on a number of assumptions that are subject to uncertainties and change. For further information, please refer to Standard Chartered PLC’s Annual Report and the financial statements of the Group and, specifically in relation to adjusted net interest income and adjusted non-interest income, please refer to the footnote beneath the “Net interest income and n o n ‑ i n t e r e s t i n c o m e ” s e c t i o n o n p a g e 4 o f t h i s d o c u m e n t . Financial instruments Nothing in this document shall constitute, in any jurisdiction, an offer or solicitation to sell or purchase any securities or other financial instruments, nor shall it constitute a recommendation or advice in respect of any securities or other financial instruments or any other matter. S t a n d a r d C h a r t e r e d P L C | 33 HY26Ar53na!83 | Q 3 2026 Results

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Important notices Caution regarding climate and environment-related information Some of the climate and environment-related information in this document is subject to certain limitations, and therefore the reader should treat the information provided, as well as conclusions, projections and assumptions drawn from such information, with caution. The information may be limited due to a number of factors, which include (but are not limited to): a lack of reliable data; a lack of standardisation of data; and future uncertainty. The information includes externally sourced data that may not have been verified. Furthermore, some of the data, models and methodologies used to create the information is subject to adjustment which is beyond our control, and the information is subject to change without notice. General You are advised to exercise your own independent judgement (with the advice of your professional advisers as necessary) with respect to the risks and consequences of any matter contained in this document. The Group, its affiliates, directors, officers, employees or agents expressly disclaim any liability and responsibility for any decisions or actions which you may take and for any damage or losses you may suffer from your use of or reliance on the information contained in this document. Chinese translation If there is any inconsistency between the English version of this document and any translation of the English version, the English version shall prevail. S t a n d a r d C h a r t e r e d P L C | 34 HY26Ar53na!83 | Q 3 2026 Results

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Contact information Global headquarters Standard Chartered Group 1 Basinghall Avenue London, EC2V 5DD United Kingdom telephone: +44 (0)20 7885 8888 facsimile: +44 (0)20 7885 9999 Shareholder enquiries ShareCare information website: sc.com/shareholders helpline: +44 (0)370 702 0138 ShareGift information website: ShareGift.org helpline: +44 (0)20 7930 3737 Registrar information UK Computershare Investor Services PLC The Pavilions Bridgwater Road Bristol, BS99 6ZZ helpline: +44 (0)370 702 0138 Hong Kong Computershare Hong Kong Investor Services Limited 17M Floor, Hopewell Centre 183 Queen’s Road East Wan Chai Hong Kong website: computershare.com/hk/investors Chinese translation Computershare Hong Kong Investor Services Limited 17M Floor, Hopewell Centre 183 Queen’s Road East Wan Chai Hong Kong For further information, please contact: David Lock, Global Head of Investor Relations +44 (0) 20 7885 0023 email: Investor.Relations@sc.com LSE Stock code: STAN.LN HKSE Stock code: 02888 Register for electronic communications website: investorcentre.co.uk S t a n d a r d C h a r t e r e d P L C | 35 HY26Ar53na!83 | Q 3 2026 Results

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Page 1

Standard Chartered PLC Q3’26 Results 28 October 2026 Registered in England under Company No. 966425 Registered Office: 1 Basinghall Avenue, London, EC2V 5DD, UK

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