渣打集团二0二三年半年报告

9664251 Basinghall Avenue, London, EC2V 5DD, UK Bill Winters 18%29%331010% 12.1%4 •20%4624% –33%2415%21–81.71%642beta–15%1.2227%–10% •11%2814% ––10% •1.468,0008,400•2,9001003%•4,700702%1102%•2,49020•1632% •12.0%3 •14%9018%–35%484%42–351.67%–4%2.1613%–5%•8%5512%––6%361% •1.729,200 –8,2002,1001.08–11158910•3329%•928%3•–2,9002107%–4,700802%1102%–164%147%–53.6%57.4%•2,49040–70308010–3010•–14.0%14.0%13–14%–50%61.68– 1040•16.428%75.022%75.6 •8.0%6.5%200•58%1460%3•47•6361%•1039 •MoxTrustCardsPal•37%8%•7 •12–14%•170•••4%•17–25•13–14%•10% 18%24% 6%29%3312.0%1917 53.6%164%14.0% 10189% 44%59%82%130 450,000100,000 37%10(Private Sector Investment Lab) 1606.5%2208.0%34%48%18200 58%60%53 14759% 18613961%60% 501039 140% MoxTrustMoxTrust BukalapakNexus220,000Nexus CardsPalSC VenturesSCVentures 13 2110 10%11% Bill Winters 29%3318%35%4%6%12%113035164%14.0%102%6250%10 •9014%18% •29%35%27%3523 4%2.1613% •8%12%26%361% •1.729,200118,2002,100 •6,300 •39%9,400 •5,6003,900 •9.3828.4%25.3% •27012.0% 92%166% 4%2.1613%10%4%8%10% 5%9% 43%185%CASA60%2%MoxTrust 3.93 71%33%13%1.25 30%5%2,800 7001.586,500MoxTrust Bank8,4002,0002,300 8.245.176,5005,300 59%23%9%5,100 39%34%13%9009,000 1,10038%15%3,500 8,5003.223.056,900 29%16727%358171 •2%24 •1%11CASA 1.7235%1.083,4002,1002,1008,2003,7001.36 113,700 772%2.6%12 59%2278% 1216%13 44531 274% 5,600 3,900 •13%50450 •7%2102,90020010 •2%804,700 •7%3405,04028010030 •4%1202,910 57.4%53.6%17164% 2%442,491 •1,97269298213 •7 •34241 2 14.0%510.4%3.613–14% 107.369,4003%1041 1040 50% 64425 97 4.8%103.7% •12–14%•170•••4•17–25•13–14%•10% Andy Halford •61%29.15 •27%58.2333%2.168%8%10% •40 •13.73 •25%35.5630%5% •6%7% •14.0%28.2% •7001.586,500MoxTrust Bank8,400 •2,0002,300•MoxTrust•Trust Bank •8.245.175.386,5005,300 •55%27.495,100•19%63.5523%•3.981.82•2%1%•50•11.3%19.1% •6.5319%39%•20%34%14.41•9009,900•20%8%•6%•12.4%16.5% •1,1006.46•38%8.50•14%3,500•13.3%0.3% •8,5003.223.056,900 (CREWS)CREWS 74% 164%147%14.0%14.0% 80% (ESG) +sc.com/netzero +sc.com/sustainability ISO 27001 +sc.com/fightingfinancialcrime 4448 2,77794%2,95293%291011302777959%57%278%276% 12%445012121316 86%86%(LTV)45.1%44.7% 74%76%2062%65% 1 1 2 1.722.679,5003,3001,0001.392.77 3,3004,4006003,6002.4090 1,5004,3003,4002,1009,3003,600500 2,300300Mox BankTrust Bank2,7001,200 (VaR)5,3105,4502.5%5,0505.2%5,0205,58010%5,92015% (ERMF)1 301319 • • ESG •••••••• ESG ESG • •ESG••• •• (AI) • •••••239•• • •••• Z • •Future Workplace Now3876%••• a)51105b)106112 16 9 12 •• 12 •• •• 2208,1107,900 2052,9003,110135110240103750640 702,7902,860401,2801,3201681,6601,830 50450400Mox BankTrust Bank3107 280860580336006401041,6101,720 1352,4302,290 2308,810 8,580 2928,5008,210280158175931,5701,660 60220280 38993 1121314 1752,7802,950 811,1801,260 401,2501,290 97Mox BankTrust Bank 53340390 0.2%0.2% 291011303%4% 32017 61218 4.0%3.4% 27778 1515 Mox BankTrust Bank500600100 • •12 •1212 • 607,1407,2001073,2603,150431,8901,930901,5701,660 9,5005.506.457,2003.414.133,4001.601.941,0003,5002,500 5821727550322182104455 1.045.146.185,5003.564.111.151.185,000 36770902,50038381515500882,4001.681.445,000 7% 1.722.641.392.753,3001,100 3,3004,4006003,6002,600 1.087,9001,5003,4002,1001,6009,300500 Trust Bank2,300300 2,7001,300 1,100100 1.509.7511.2515,000 1.509.75 11.25 277 78 1606190 1515 2%62%60% 54%53%95%91% 277 78 3,1903,450 5332938236887924 74350 8626112 55%53% 78%53330380 86%86% 45.1%44.7%40.1%49.9%52.6%40.5%42.8%47.0% 9701,490 51519 190135 99 2062,9603,1601105738 1752,7802,9505042827169751,1001,180 291011301843 277781515 10% 3,326 84087496%209199108112 591882474834939722406315159174 3306309632,5802,510 253156 3940 2832 46%33%60%56%6%2%8% 933,7001.362005009% 302 1041,6131,717 931,5681,66155 10445521 9 269270278281 17298000.1%6,0003,3002,200 92 9 GDP3%103.7% 99 502%(Monte Carlo)50 3%6%GDP3%GDP3%1%2%1.5%7%5.5% GDP89100 = 50 5,5005,0001,5006004,0004,4003,400 13,400210.7712.812.082.99 3 5% 9 1,7004,4003,400 28321.361.73 2,100 9001,600 1,300900 50%9,2003.4650%3.7%4.2%7.4% • – • –– ••••• 5,3105,4502.5%5,0505.2%5,0205,58010%5,92015% 1,9401,8803.2%1,72012.8% •••• •Silicon Valley BankSignature Bank •• 250 99 11,330 1,2407%1,57015% 30 164%147% ••• A+A+A112 100% 3.8%53.6%2%4%4,845.944,733.83 123 100%133.4% 1,970 63%310 •50•100 50100 504.20504.301008.20 (MREL) 514.0%10 AA3.7%2.1%10.4% 101.686 1040 13%14% 27.3%23.5%32.1%9.4% 37MREL25MREL (G-SII)1.0% G-SIIG-SIIsc.com/en/investors/financial-results 441.8%2,4913473 80.7%1,093 •7 –64–44–13 •7 •2 •8 20.5%419 •6 •2•1•7 Mox Bank LimitedTrust Bank SC VenturesSC Ventures539.9%19 71.7%440 •20•4•17 3416.6%241 •24•8•2 72.5%279 4.8%3.7%29337107.75%10 •3434•(a)4.2.7(b)4.2.8 Andy Halford José Viñals Shirish ApteDavid ConnerGay Huey EvansJackie HuntRobin La