渣打集团二O二五年半年报告

24 Bill Winters 41%13 14%55115% –Solv IndiaJumbotail2.3810%–27–31%2833%–20%–47%–12% •3%30 •1.171.534,400 –12 34%2448%23 •1.238,700 • –2,8702%10 –5,1705%4% •2,60060 71 –10 • –14.3%13.8%–1350–37%12.32.88–16.80119 •19.7%7 •40.741%139.245.855%129.1 •9%10910%13%–4%5518%5425%–24%–14%–28%50%19%•5%604%•3.363.32•4722%4430%•1123.7%•18.1%4 •–5-7%–5-7% • –1231–1515– • ––3.1–3035 • –13-14%–80– •13% 10910%18.1% 2,000 9%17% 5%101,3603,00010Viñals25 Zodia CustodyZodia Markets SC VenturesSC VenturesSolv IndiaJumbotailMoxTrust Maria RamosJosé Viñals 132.886580 3.2%3.1% 4.9%4.1%3.4%1.3% 13 Bill Winters 2.58 10%10913%4%6%3.36194722%41%139 146%14.3%12.33.337%1513 10%10913% 4% 18%25%Solv India2.38 4%6%355% 8,7003.366,5003.321,400Mox3,400 1.34900 2,700 2.971.61.37 1123.7%30.1% 41018.1%45016.4% 4141%139.24655%129.1 Diego De Giorg 2.58 6%6%3%9% 14%11%37% 28%28%24%19%50% 24%135,000280 3% 2% 2.42SC VenturesSolv India2.3862,600 5,600 2.58 13%7%3%1,4005,4001.05 8%8%7%6,5003.323,000 4,6001.97SC VenturesSolv India2.383,0004%Mox2,0002,400 2.062.803,200 3%2057 3%110150281614 3.368,700193.326,5002,4002,000Mox1,4003,4007,70032%45%68%55%5,8003,5001,4001,200 612.1%7 66%282%4 121121 75%1 1.37 1.60 500 1.891.74 2142.39158.47191.87184.1941.8967.9796.6077.8881.1976.9270.8468.77249.58246.42217.72198.5 6011090803% 5305,1701004409%19050190 11%600240110110140170170 1%20140405012070 53.3%51%8146%100% 1265.1%2,597 •201,91341505614 31326 75358 14.3%11 1351152 13.79,3500.5011.183.9%1561 12.323 1350 4.7%113.7% •13%34.42•7%65.8328%14%6%9%6%3%•3%31.55•1,4001.05•2% 1231.00(ELS)45678(RNS)9(RNS) •8%13.98 •8%41.6224%135,000280 •7%24.29 •3.32 1234567(RNS) •2.434,600Solv India2.38MoxTrust48% •4% •45%2,400Mox •11%1612%57 •2.067,4003,200 •1.663,4001.53(2,600)1.19(1.40) (RNS) 1022 1022 1032 23 1.2.3.4. 3721.2.3.4.5.6.7. +2832 (CIB) 75%74% 2,3006,2302,0803,880 (WRB) 18 146%138%14.3%14.2%4.7%4.8% +7983 (ERMF)(PRT)1 1 +196206 (TER) 4%GDP GDP • • • • • • • • • (ESG) ESG ESG ESGESGESG •••ESG•ESG(ESGR)ESGR•• sc.com/modernslavery sc.com/humanrights •••(ICS)•••••• 3.13.1ESG ••• 12 ••••60%• Sadia Ricke 1 15 9 12 •12• •• 236242244245246 5048,7388,234167802634124244361411,5761,436572,8672,8102201,9411,7202372,9692,732172642815 +38 94%94%2,7322,691731,2431,17052251,2911,28737183220 1912510621191710486 1616247.0%46.9%85.6%83.1% +394161 (SICR)(PD)3022 +56 3.362.40 3.322.674,8001,4005,4003,4001,5007,7004,3006,20032%45% +1057 +72 9555%54%80%5%4% 192073%70%89%87%1.8%2.8% 1,2005,8007,000 +6573 19272254776443425648 +64 1121314 +36 ••12•1212•• 4057,6117,2072233,8943,671651,8611,796 8,2006.645.825,5001.881.332,0004.123.92 2020718622220 1,0005.275.379003.533.625001.461.51 3,4007,7004,30032%45% +72 2495234331171688 1.929.767.844,1007.737.32 1.929.767.84 +201 47%49% 3,7803,830 87.0%88.5%28339368 86%85% 49.0%48.9%32%58.6%59.4%29%94%80% 42.9%42.5%0.8%42.1% 2,400 50359 2161861820 3,052 9 41201 1401,5761,436 1441,5631,419 61116 231 9 236244246 246 1103001%1,400 73 9 3.2%3.1%103.7% 99 502%Monte Carlo5072 GDP GDP5.0%4.8%4.4%1%0.8%2.2%6.5%6.2% =GDP Monte Carlo50Monte Carlo 4,7002,8002,4001,3002,3001,500 55%27%18%68%22%10% Monte Carlo 7,7004,3004,4002,4003,3001,900 14,7002,800211.9411.301.581.51 7%4% 9(IIC) 3,6005004,7002,800721,100 19195,8007,000 9,3001.093,5005,800 1,9002,7001,4002,100 1 9Monte Carlo GTGT(BCST) GTGT1.07BCST2.68GTGTBCST2.9%3.3%3.8% GTGTBCST2,9001,4004.6%5.1%5.7%BCSTGTGT GTGTBCST1,3004,700GTGTBCST2.5%3.1%4.3%BCST1,1008,6002,7001.2%1.4%2.4% • • 201 ••••• 500500 2,7902,07035%2,15030% • • 99 二〇二五年半年回溯測試圖本集團層面的內部模型計算法監管交易賬假設損益對涉險值（按99%、一天的涉險值） (CSA) (LCR) 30 146%138% 550 ••• A+A+A18 100%2.3%5,423.484,862.61 141.8996.6081.1970.842142.39191.873249.58217.72 (NSFR) 100%137% 1,870550 58% •50•100 (NII) 50100 501.70502.701003.201005.70 6407502.73.6%180 4,7303,45037%3,39040% (MREL) 1114.3%15 A3.7%2.1%10.5% 152.8812.31350 13%14% 28.1%24.3%33.3%9.3% 651055 1.0%sc.com/en/investors/financal-results 1265.1%2,597207531 393.2%1,286 •30•18•85345• 17 71.5%470 •24•1•1•16•2 Mox Bank LimtedTrust Bank SC VenturesSC Ventures835.1%30 2013.5%127 •29•6•4 7526.4%358 •(SA)26•27•13•9 3110.5%326 4.7%3.7%11649786322318192108213315201010 •3434 •(a)4.2.7(b)4.2.8 Diego De Giorg Maria Ramos Bill WintersDiego De Giorg Shirsh ApteJackie HuntDiane JurgensRobin LawtherPhil RivettLinda Yueh 3590130 343434 2410 13434 3434 2410 SCB Zimbabwe Limted1.90SCB Angola S.A.3,100SCB Sierra Leone Limted2,500 5Mox Bank Limted800Trust Bank Singapore Limted4,700Mox Bank Limted600Trust Bank Singapore Limted800SCB Angola S.A.600 615.000.506,300126,262,41413.5511,300,1280.44% 25 1. (FCA)343434(IFRS) a) b) ($)295380 (RNS) • • • • • • • 1. 35767144 •••••(ILAAP)•12•• 12 2. 1 8 1.371.60 2. 3.924.482,8002,800 1.191