Financial Ratios Standard Chartered PLC

Equities

STAN

GB0004082847

Banks

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02:22pm	Standard Chartered PLC Appoints New CEOs for its Units in China and Vietnam	CI
12:27pm	Standard Chartered starts custody services for digital assets in the UAE	RE

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Published financial data: STANDARD CHARTERED PLC

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest Income On Loans	16.55B	12.29B	10.25B	15.25B	27.23B
Interest Income, Total	16.55B	12.29B	10.25B	15.25B	27.23B
Interest On Deposits	8.88B	5.44B	3.45B	7.66B	19.46B
Interest Expense, Total	8.88B	5.44B	3.45B	7.66B	19.46B
Net Interest Income	7.67B	6.85B	6.8B	7.59B	7.77B
Income From Trading Activities	3.35B	3.67B	3.43B	5.31B	6.29B
Gain (Loss) on Sale of Assets	190M	151M	859M	363M	404M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	170M	431M	-143M	-515M	-965M
Total Other Non Interest Income	4.04B	3.65B	3.46B	3.26B	3.67B
Non Interest Income, Total	7.75B	7.9B	7.6B	8.42B	9.4B
Revenues Before Provison For Loan Losses	15.42B	14.75B	14.4B	16.01B	17.17B
Provision For Loan Losses	906M	2.29B	263M	838M	528M
Total Revenues	14.51B	12.46B	14.14B	15.17B	16.64B
Salaries And Other Employee Benefits	6.78B	6.58B	7.17B	7.34B	7.92B
Occupancy Expense	1.55B	1.66B	1.57B	1.19B	1.07B
Selling General & Admin Expenses, Total	2.42B	1.96B	1.86B	2.31B	2.45B
(Income) Loss on Equity Invest.	-300M	-151M	-196M	-156M	-141M
Total Other Non Interest Expense	-	114M	-	-	-
Non Interest Expense, Total	10.46B	10.16B	10.4B	10.68B	11.3B
EBT, Excl. Unusual Items	4.05B	2.3B	3.74B	4.49B	5.34B
Restructuring Charges	-273M	-323M	-336M	-115M	-114M
Impairment of Goodwill	-27M	-489M	-	-14M	-
Asset Writedown	-38M	-36M	-55M	-79M	-130M
Legal Settlements	-	165M	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	3.71B	1.61B	3.35B	4.29B	5.09B
Income Tax Expense	1.37B	862M	1.03B	1.38B	1.63B
Earnings From Continuing Operations	2.34B	751M	2.31B	2.9B	3.46B
Net Income to Company	2.34B	751M	2.31B	2.9B	3.46B
Minority Interest	-37M	-27M	2M	46M	7M
Net Income - (IS)	2.3B	724M	2.32B	2.95B	3.47B
Preferred Dividend and Other Adjustments	448M	395M	410M	401M	452M
Net Income to Common Incl Extra Items	1.86B	329M	1.9B	2.55B	3.02B
Net Income to Common Excl. Extra Items	1.86B	329M	1.9B	2.55B	3.02B
Per Share Items
Net EPS - Basic	0.57	0.1	0.61	0.86	1.09
Basic EPS - Continuing Operations	0.57	0.1	0.61	0.86	1.09
Basic Weighted Average Shares Outstanding	3.26B	3.16B	3.11B	2.97B	2.78B
Net EPS - Diluted	0.56	0.1	0.6	0.84	1.06
Diluted EPS - Continuing Operations	0.56	0.1	0.6	0.84	1.06
Diluted Weighted Average Shares Outstanding	3.29B	3.2B	3.15B	3.02B	2.84B
Normalized Basic EPS	0.77	0.45	0.75	0.96	1.2
Normalized Diluted EPS	0.76	0.44	0.74	0.94	1.18
Dividend Per Share	0.07	0.09	0.12	0.18	0.27
Payout Ratio	50.72	54.56	33.87	26.93	29.4
American Depositary Receipts Ratio (ADR)	0.1	0.1	0.1	0.1	0.1
Supplemental Items
Effective Tax Rate - (Ratio)	36.98	53.44	30.89	32.29	32.02
Current Domestic Taxes	-6M	-41M	9M	48M	-34M
Current Foreign Taxes	1.43B	709M	870M	1.22B	1.68B
Total Current Taxes	1.42B	668M	879M	1.27B	1.65B
Total Deferred Taxes	-49M	194M	155M	115M	-19M
Normalized Net Income	2.49B	1.41B	2.34B	2.85B	3.34B
Non-Cash Pension Expense	11M	23M	-2M	5M	16M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	166M	132M	167M	199M	226M
Total Stock-Based Compensation	166M	132M	167M	199M	226M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	67.38B	87.37B	90.47B	70.78B	101B
Investment Securities, Total	206B	223B	254B	264B	260B
Trading Asset Securities, Total	79.49B	111B	100B	104B	116B
Total investments	286B	334B	354B	368B	376B
Gross Loans	303B	303B	315B	310B	284B
Allowance For Loan Losses	-5.79B	-6.63B	-5.68B	-5.49B	-5.19B
Other Adjustments to Gross Loans	-	-	-	-	-
Net Loans	298B	296B	310B	304B	279B
Gross Property Plant And Equipment	8.84B	9.76B	9.02B	8.71B	4.43B
Accumulated Depreciation	-2.62B	-3.25B	-3.4B	-3.19B	-2.16B
Net Property Plant And Equipment	6.22B	6.52B	5.62B	5.52B	2.27B
Goodwill	3.08B	2.62B	2.6B	2.47B	2.43B
Other Intangibles, Total	2.21B	2.45B	2.88B	3.4B	3.78B
Other Receivables	539M	808M	766M	503M	484M
Restricted Cash	19.01B	19.1B	17.37B	21.69B	16.49B
Other Current Assets, Total	10.27B	8.44B	7.44B	10.04B	9.17B
Deferred Tax Assets Long-Term (Collected)	1.1B	919M	859M	834M	702M
Other Real Estate Owned And Foreclosed	37M	23.2M	11.8M	14.9M	16.5M
Other Long-Term Assets, Total	27.3B	31.04B	35.77B	32.59B	31.91B
Total Assets	720B	789B	828B	820B	823B
Liabilities
Accrued Expenses, Total	5.42B	4.59B	4.71B	5.98B	7.08B
Interest Bearing Deposits	442B	480B	515B	503B	517B
Total Deposits	442B	480B	515B	503B	517B
Short-Term Borrowings	96.7B	122B	119B	124B	110B
Current Portion of Long-Term Debt	34.63B	30.84B	34.2B	32.38B	27.81B
Current Portion of Leases	24M	368M	293M	272M	248M
Long-Term Debt	43.12B	47.18B	49.34B	51.15B	57.59B
Long-Term Leases	1.27B	779M	894M	765M	810M
Current Income Taxes Payable	703M	660M	348M	583M	811M
Other Current Liabilities - (Bank / Utility Template)	29.28B	42.54B	41.52B	42.93B	43.67B
Pension & Other Post Retirement Benefits	469M	443M	210M	146M	183M
Deferred Tax Liability Non-Current	611M	695M	800M	769M	770M
Other Non Current Liabilities	15.57B	8.4B	8.57B	8.03B	7.33B
Total Liabilities	670B	738B	775B	770B	772B
Preferred Stock Redeemable	75K	75K	75K	75K	75K
Preferred Stock - Others	1.49B	1.49B	1.49B	1.49B	1.49B
Total Preferred Equity	1.49B	1.49B	1.49B	1.49B	1.49B
Common Stock, Total	1.6B	1.58B	1.54B	1.45B	1.33B
Additional Paid In Capital	3.99B	3.99B	3.99B	3.99B	3.99B
Retained Earnings	26.07B	26.14B	27.18B	28.07B	28.46B
Comprehensive Income and Other	17.2B	17.21B	18.06B	14.67B	14.68B
Total Common Equity	48.85B	48.91B	50.77B	48.17B	48.46B
Minority Interest	313M	325M	371M	350M	396M
Total Equity	50.66B	50.73B	52.64B	50.02B	50.35B
Total Liabilities And Equity	720B	789B	828B	820B	823B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	3.19B	3.15B	3.06B	2.87B	2.64B
ECS Total Common Shares Outstanding	3.19B	3.15B	3.06B	2.87B	2.64B
Book Value / Share	13.58	14.09	14.56	14.53	16.29
Tangible Book Value	43.56B	43.85B	45.3B	42.3B	42.25B
Tangible Book Value Per Share	11.92	12.49	12.77	12.49	13.93
Tangible Book Value Per Share (As Reported)	11.92	12.49	12.77	12.49	13.93
Average Assets	717B	780B	817B	863B	851B
Average Loans	412B	425B	432B	441B	436B
Total Debt	176B	201B	204B	208B	196B
Deposits at Interest - Cash	34.57B	38.5B	35.09B	39.63B	43.88B
Debt Equivalent of Unfunded Proj. Benefit Obligation	442M	418M	179M	118M	166M
Net Debt	-31.54B	-64.29B	-75.5B	-56.41B	-119B
Equity Method Investments, Total	1.91B	2.16B	2.15B	1.63B	966M
Full Time Employees	82.49K	82.08K	81.77K	83.08K	84.84K
Part Time Employees	-	-	187	189	162
Number Of Offices	-	-	-	-	-
Assets on Operating Lease - Gross	4.46B	5.23B	4.25B	4.42B	-
Assets on Operating Lease - Accumulated Depreciation	-1.07B	-1.34B	-1.16B	-1.18B	-

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	2.3B	724M	2.32B	2.95B	3.47B
Depreciation, Depletion & Amortization	735M	731M	712M	651M	445M
Amortization of Goodwill and Intangible Assets - (CF)	9M	5M	8M	4M	1M
Total Depreciation, Depletion & Amortization	744M	736M	720M	655M	446M
Amortization of Deferred Charges, Total	436M	515M	461M	531M	626M
(Gain) Loss On Sale of Asset - (CF)	-	-	-93M	-62M	-31M
(Gain) Loss on Sale of Investments - (CF)	-818M	-594M	-170M	735M	355M
Total Asset Writedown	65M	474M	307M	-272M	-1.51B
Restructuring Activities	98M	113M	17M	38M	-
Provision for Credit Losses	908M	2.32B	254M	836M	508M
(Income) Loss On Equity Investments - (CF)	-300M	-151M	-196M	-156M	-141M
Stock-Based Compensation (CF)	166M	132M	167M	199M	219M
Change in Trading Asset Securities	-7.18B	-27.02B	8.82B	-1.98B	-16.42B
Change in Other Net Operating Assets (Collected)	1.83B	15.31B	-67.58B	19.48B	-13.94B
Other Operating Activities	970M	587M	388M	1.48B	2.98B
Cash from Operations	-778M	-6.85B	-54.59B	24.43B	-23.44B
Capital Expenditure	-219M	-1.27B	-352M	-835M	-159M
Sale of Property, Plant, and Equipment	119M	178M	965M	422M	244M
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-	-	-989M	-1.1B	-1.12B
Investment in Marketable and Equity Securities, Total	-17.87B	-3.39B	-8.62B	-21.07B	16.85B
Other Investing Activities, Total	3M	-	-	-	-
Cash from Investing	-17.97B	-4.48B	-9B	-22.58B	15.81B
Long-Term Debt Issued, Total	10.17B	12.43B	12.08B	12.65B	15.28B
Total Debt Issued	10.17B	12.43B	12.08B	12.65B	15.28B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-8.05B	-7.07B	-10.77B	-9.96B	-8.86B
Total Debt Repaid	-8.05B	-7.07B	-10.77B	-9.96B	-8.86B
Issuance of Common Stock	584M	1B	2.74B	1.25B	26M
Repurchase of Common Stock	-1.21B	-2.34B	-1.79B	-2.47B	-3.22B
Common Dividends Paid	-1.08B	-322M	-718M	-721M	-917M
Preferred Dividends Paid	-83M	-73M	-66M	-73M	-103M
Common & Preferred Stock Dividends Paid	-1.17B	-395M	-784M	-794M	-1.02B
Net Increase (Decrease) in Deposit Accounts - (CF)	-	28.09B	66.8B	-9.26B	17.88B
Other Financing Activities, Total	-1.38B	-1.25B	-1.21B	-1.46B	-1.62B
Cash from Financing	-1.05B	30.46B	67.07B	-10.03B	18.46B
Foreign Exchange Rate Adjustments	-245M	1.29B	-1.76B	-2.71B	-796M
Net Change in Cash	-20.05B	20.42B	1.73B	-10.89B	10.04B
Supplemental Items
Cash Interest Paid	1.4B	1.23B	3.59B	6.2B	18.38B
Cash Income Tax Paid (Refund)	1.42B	971M	1.16B	821M	1.37B
Net Debt Issued / Repaid	2.12B	5.36B	1.31B	2.7B	6.41B

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	0.33	0.1	0.29	0.35	0.42
Return On Equity %	4.63	1.48	4.48	5.65	6.9
Return on Common Equity	3.81	0.67	3.82	5.15	6.24
Shareholders Value Added	-3.36B	-4.93B	-3.45B	-2.91B	-2.26B
Margin Analysis
SG&A Margin	74.15	81.87	74.95	71.41	68.78
Net Interest Income / Total Revenues %	52.84	54.99	48.08	50.05	46.69
EBT Excl. Non-Recurring Items Margin %	27.92	18.43	26.44	29.62	32.07
Income From Continuing Operations Margin %	16.13	6.03	16.36	19.13	20.8
Net Income Margin %	15.87	5.81	16.37	19.43	20.85
Net Avail. For Common Margin %	12.78	2.64	13.47	16.79	18.13
Normalized Net Income Margin	17.19	11.3	16.54	18.82	20.09
Asset quality
Nonperforming Loans / Total Loans %	2.44	3.04	2.57	2.53	2.55
Nonperforming Loans / Total Assets %	1.03	1.17	0.98	0.96	0.88
Nonperforming Assets / Total Assets %	1.03	1.17	0.98	0.96	0.88
NPAs / Loans and OREO	2.45	3.05	2.57	2.54	2.55
NPAs / Equity	14.68	18.21	15.4	15.71	14.39
Allowance for Credit Losses / Net Charge-offs %	374.4	396.77	612.84	836.28	687.04
Allowance for Credit Losses / Nonperforming Loans %	78.29	71.96	70.18	69.93	71.86
Allowance for Credit Losses / Total Loans %	1.91	2.19	1.8	1.77	1.83
Net Charge-offs / Total Average Loans %	0.38	0.39	0.21	0.15	0.17
Provision for Loan Losses / Net Charge-offs %