渣打集团二O二五年年报

0204060910121417203237425051 130135138155180207217 220226233277281286287303 546265 310322329 68758390111113116118122 436444450458466470 2031 sc.com/financal-resultssc.com/sustainablitylbrary ••• ••••• 478 170 . . . . (3.79) (2.87) MoxTrust . .  10 José Viñals Bill •• • Phil RivettPhilJackie Hunt Bill Pete BurrillDiego De GiorgiDiego 6165%2815 Maria Ramos Bill Winters (RoTE)13% ••• 2. 1. ••• 4. •• •(WRB)•(CIB) 3. 5. ••• •• Maria RamosJoséViñalsJoséMariaMaria •• PeteDiegoPete 15 Fit for Growth Bill Winters ••••• ••15••• 60% 70% MoxTrust 170 2431 •• •••• •• •••• ••• 67128 2431 14.7%13% - 14.1%6115 .% 89.0% (LTIP) 180206 5435% + 3,000 -. 6(i)(ii)1.5(iii)(iv) • •GDP3.4%3.3%•5.3%5.0%•4.0%•2.7%2.0%• •12150•21340••• •3.4%••2.3%1.1%•4.6% •••–GenAI–•• GDP7.5%6.6% 4.6% GDP (GCC) 14.7%13% Pete Burrill 155%14.1%13%14%15 2.95100 1%112 6%2098%4%2%4%6.76197918%229.737% 13%9717%Solv India2.38 4%123Fit for Growth159% 61.637%229.754.138%195.4 496165%15131591 6.76192,8005.955,9001,400Mox1.24400 •5-7%–1•Fitfor Growth•12% 4,2005.46 42%7,100 FFG9.377.973.202.85Fit for Growth5.311.563,1002,4005,5003.32 Pete Burrill 1925.3%5.3% 30014.7%SC Ventures22011.9%18%6% SC Ventures + 17,000 .% 54% .% .%  61%61.5% •9%58.75•4%123.9415%(3%)12%15%7%•2%•4002.84•651,759 •••• •61.5%•51%54%72.1%68.3%76.5%71.6%•10.7103,0001,570  152,000 1+ %   . .  Premium  .% .% .% 14%  18%375,000 •18••SC Variable Capital CompanySignature SelectCIO80•40 ••••• •14%28.83•6%84.6424%2%•5%•2,8005.951.08•5568Mox Bank14% •14,470•(NTB)275,000(NNM)252014%•307,000 SC Ventures 30FairPrce GroupTrust BankB2BSolv  •Libeara•Project 37C•SWIAT•Zodia Custody•Zodia Markets •Appro•audax•Furaha•myZoi•Vault22•Zai Next Horizon •Akashaverse•FourTwoThree•letsbloom•Lexarius•RegWise•Qatalyst•Qubitra •Hal•Jumbotail•Labamu•NusaVest•Olea•Solv Ghana•Solv Kenya•TASConnect SCVentures sc.com/ventures SC VenturesMoxTrust SC VenturesSCVenturesSC Ventures3030 MoxTrip.com10%Mox11 Trust BankFairPrice Group  % Mox100 •SC VenturesWeb3ESGSC Ventures•MoxMox•Trust Bank MoxApple AppStore4.85 MoxMox InsureMoxMoxInvest •Trust Bank15%20% 39%67%Trust •SC VenturesSC Ventures57%1,100,000 Trust BankThe Digital Banker SC VenturesSolv IndiaJumbotailSC Ventures2 Trust BankTrustInvest SC VenturesZodia MarketsA1,8301 •2.181.672.324.15Solv India2.38•Solv India•1,4005,900MoxTrust•2.69 •Mox15%750,000 Mox21%115%Mox1.5718Mox24%25% Will Brown 170 •••• 148 My VoiceMy Voice85%87%83%83%(87%)(86%)(82%)73%74% Stand for More sc.com/standformore My Voice My Voice 87% 83% Bill Winters sc.com/awards 94%188175 4482%50,0005,40064%80% CAISY  40,300 (HRA)5,400Fast Start 33,000 97%Feedback 365360(Leadership Dashboard) 47.4%1.7%15%43% •86%75%•Feedback365378,0004.6%•Appreciate68%+316%2•82%84%74%78%2 My Voice82.1%11.925 It MattersIt Matters .%.% Unmind24%7%10% •126,051•365Unmind•• 19.1%33.0%(Women in FinanceCharter)8.035%36.4%1.5%19.3% GenAISAP MyVoice82%13%CAISYCAISY sc.com 172 (f) 172 Capital A Bhd. •••• (UHNW) •• (Now is your time for Wealth) My VoicePeople Leader Calls •10• 3236 •RFI Global1•93% My Voice •••••• ••••ESG •••••• (Business Fights Poverty) 146 Women Win Futuremakers Business in the Community •16,305145,000¹•250,0002• sc.com/supplier-standard 96 ••••••••• ••••• WEConnect InternationalWEConnect International Jason Forrester (WRB) 18 4549 (CIB) 74%74% (LCR)155%138%(IRRBB)14.1%14.2%4.7%4.8% 281285 2,5404,7002,1103,420(RA) (PRT)1 (GCRO)(RTF) 65% ESG •••••••••• ESG ESG ESG ••••••1 sc.com/modernslavery N (segment of one) ••••••(ICS)••••••24/7•••••• 3.1ESG •••• •••••60%• Jason Forrester 12 37417273 414CA414CB 414CA414CB6.6.6R(8)C2D 458465 •••• •••••Silicon Valley Bank (OJK)(CBUAE)(MAS)(BNM) (NGFS) • •10119•2231 4249 (BRC) –166171–4549–220225–226232–303308 (ICAAP)(ICS) 152 Bill Winters, CBE 546265 sc.com/alibaba 24%28%12%275,00052014% 2.95100 2% 7%10%7%1% 5,3001.79Solv India2.38340 15%13%26% 1.83 12%15%3% 2.95100 5.952,8001.08 2.181.672.325,3001.792.38Solv IndiaMox1,4005,900 9%4%2%4001.202.84 8,1001.59 14%6%5% 2%698%79 1%3 4,7001,1003,400 4%602.1%2.2%52%1268%10 6.761.199,5005,7003,80019 5.952,8005,9001,400Mox4007,0001.1332%41%68%59%3,600 4313121210 74% Fit for Growth5.313,100 4,5001.1390A 3.20 640140220220180160 2%602,870701401305% 1%401404080 66014%5,3008058012%3101307021% 251.4%155%17100% 573523126 1104%2,580 281,9216410397411 24307 14.1%123.9A22 4910.926113.878 1558 2061946 4.7%3.7% 159,82013115,310136,22013113 3362 3352 3362 1.2.3.4. 37 21.2.3.4.5.6.7. 68758390111113116118122 23,050 415,000130180 sc.com/cleancooking sc.com/sustainablitylbrary 72 sc.com/sustainablitylbrary 1.33233