Standard Chartered PLC
DUS:STD
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Intrinsic Value
The intrinsic value of one STD stock under the Base Case scenario is 26.752 EUR. Compared to the current market price of 9.674 EUR, Standard Chartered PLC is Undervalued by 64%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
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Standard Chartered PLC
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Fundamental Analysis
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Standard Chartered PLC is a leading international banking group, rooted in a deep heritage that dates back to the mid-19th century. With its headquarters in London, this global financial powerhouse operates primarily in Asia, Africa, and the Middle East, thus capitalizing on the robust economic growth in these regions. As a key player in the banking sector, Standard Chartered offers a wide range of services, including retail banking, commercial banking, and wealth management. The bank has carved out a niche by focusing on emerging markets, where it leverages its extensive local knowledge and established networks to cater to the evolving needs of businesses and consumers, positioning itself a...
Standard Chartered PLC is a leading international banking group, rooted in a deep heritage that dates back to the mid-19th century. With its headquarters in London, this global financial powerhouse operates primarily in Asia, Africa, and the Middle East, thus capitalizing on the robust economic growth in these regions. As a key player in the banking sector, Standard Chartered offers a wide range of services, including retail banking, commercial banking, and wealth management. The bank has carved out a niche by focusing on emerging markets, where it leverages its extensive local knowledge and established networks to cater to the evolving needs of businesses and consumers, positioning itself as a bridge between developed and developing economies.
For investors, Standard Chartered represents a compelling opportunity due to its strategic focus on high-growth markets and its commitment to sustainable banking practices. The bank's robust financial performance is reflected in its consistent revenue growth, efficient cost management, and strong capital base—all vital indicators of its resilience in today’s volatile economic environment. Moreover, Standard Chartered is actively embracing digital transformation to enhance customer experience and streamline operations, further enhancing its competitive edge. As the global economy navigates through the complexities of post-pandemic recovery, Standard Chartered’s well-defined growth strategies and commitment to innovation make it an attractive prospect for investors seeking exposure to the dynamic markets of Asia and beyond.
Standard Chartered PLC operates primarily in the banking and financial services sector, and its core business segments can be categorized as follows:
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Retail Banking:
- This segment serves individual customers and small businesses. It provides various services, including personal banking, mortgages, savings accounts, and credit cards. Retail Banking focuses on customer-centric products and digital banking solutions to enhance customer experience.
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Corporate and Institutional Banking (CIB):
- CIB offers services to large corporations, government, and institutional clients. Key services include lending, trade finance, cash management, foreign exchange, and advisory services. This segment is crucial due to its focus on transaction banking and providing tailored financial solutions for corporates.
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Commercial Banking:
- This segment caters to medium-sized businesses, offering similar services to those provided in retail and institutional banking, such as loans, treasury services, and trade financing. It aims to support the growth and development of its business clients across various markets.
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Wealth Management:
- Wealth Management involves offering investment and wealth planning services to high-net-worth individuals and clients. It includes investment advisory, portfolio management, and trust services. This segment is increasingly significant as it focuses on affluent clients across the bank's footprint, helping them manage their assets effectively.
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Investment Banking:
- This segment includes advisory services, capital raising, and market-making activities. Although smaller compared to traditional retail and corporate banking, it plays a vital role in offering integrated financial solutions to both clients and investors.
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Financial Markets:
- This includes services related to capital markets, such as forex, interest rate, credit, and commodity trading, including sales and structuring. Financial Markets support both the Corporate and Institutional Banking and wealth management segments.
Standard Chartered's strategic focus on Asia, Africa, and the Middle East helps differentiate it from other global banks. The bank is well-positioned to leverage growth opportunities in these markets, offering a diverse range of services tailored to the specific needs of its customers.
Standard Chartered PLC possesses several unique competitive advantages that set it apart from its rivals in the banking sector:
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Geographic Focus: Standard Chartered has a strong presence in emerging markets across Asia, Africa, and the Middle East. This focus allows the bank to capitalize on growth opportunities in developing economies where financial services are less saturated.
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Expertise in Trade Finance: The bank has built significant expertise in trade finance, which supports its corporate clients in cross-border transactions. This specialization helps it maintain strong client relationships and creates a barrier to entry for competitors.
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Regulatory Experience: Operating in multiple jurisdictions requires navigating complex regulatory environments. Standard Chartered’s established relationships with regulators and in-depth knowledge of local laws provide a competitive edge.
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Diverse Revenue Streams: The bank has a diverse range of financial services, including corporate banking, retail banking, and wealth management. This diversification reduces dependency on any single revenue source and enhances stability.
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Strong Brand and Reputation: Standard Chartered has built a strong brand, particularly in its key markets. The bank is known for its reliability and commitment to responsible banking, which helps in attracting and retaining customers.
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Digital Initiatives: The bank has invested heavily in digital banking technologies, enhancing its customer experience and operational efficiency. This focus on digital transformation positions it well against traditional banks and fintech competitors.
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Commitment to Sustainability: Standard Chartered has prioritized sustainable banking practices, aligning with global trends towards environmental, social, and governance (ESG) criteria. This commitment can attract clients and investors who value sustainability.
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Robust Risk Management Framework: The bank's strong risk management practices enable it to navigate economic volatility better than some of its rivals, ensuring resilience during downturns.
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Corporate Social Responsibility (CSR): Standard Chartered’s CSR initiatives help build community relationships and enhance brand equity, which can lead to increased customer loyalty and local support.
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Strategic Partnerships: The bank has formed various partnerships and alliances across its markets, allowing it to leverage complementary strengths and offer enhanced services.
These competitive advantages enable Standard Chartered to maintain a distinct position within the banking landscape, particularly in the fast-growing markets where it operates.
Standard Chartered PLC, like many global financial institutions, faces a myriad of risks and challenges in the near future. Here are some key areas of concern:
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Economic Uncertainty: The global economy is experiencing volatility due to geopolitical tensions, inflationary pressures, and potential recessions in major markets. Economic slowdowns can lead to increased credit losses and decreased demand for banking services.
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Regulatory Challenges: Financial institutions are subject to stringent regulations that can vary significantly across countries. Compliance with these regulations can increase operational costs and affect profitability. Standard Chartered operates in multiple jurisdictions, which adds complexity to its compliance efforts.
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Credit Risk: The bank has exposure to various sectors and geographies that may face financial difficulties. An increase in non-performing loans (NPLs) due to economic downturns or sector-specific challenges could significantly impact financial performance.
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Technological Disruption: The rise of fintech companies and the increasing reliance on technology in banking pose both a threat and an opportunity. Standard Chartered needs to continually innovate to compete with agile fintech players, as well as invest in cybersecurity to protect against data breaches and cyberattacks.
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Market Competition: The banking sector is highly competitive, with both traditional banks and emerging fintechs vying for market share. Standard Chartered must differentiate itself and maintain customer loyalty in a crowded market.
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Foreign Exchange and Interest Rate Risks: As a global bank, Standard Chartered is susceptible to fluctuations in foreign exchange rates and interest rates, which can impact its earnings and valuations.
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Geopolitical Risks: The bank has significant operations in Asia, Africa, and the Middle East, regions that can be politically unstable. Changes in government, regulatory landscapes, or international relations can affect business operations and investor confidence.
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Sustainability and ESG Factors: Increasing emphasis on environmental, social, and governance (ESG) standards can pose challenges for banks that must adapt their operations and lending practices to meet sustainable development goals. Failure to address these issues may harm the bank's reputation and lead to regulatory penalties.
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COVID-19 Aftermath: The ongoing effects of the COVID-19 pandemic may still impact economic conditions, consumer behavior, and the bank’s operations, especially if new variants arise or if vaccination rates are uneven across key markets.
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Reputational Risk: As a globally recognized bank, Standard Chartered must manage its reputation carefully. Any scandal, regulatory breach, or failure to meet customer expectations can have long-lasting impacts on its brand and market position.
Understanding these challenges is crucial for Standard Chartered to navigate the dynamic banking landscape effectively. The bank should focus on strategic risk management, innovation, and maintaining strong customer relationships to mitigate these risks.
Balance Sheet Decomposition
Standard Chartered PLC
Net Loans | 275.9B |
Investments | 380.8B |
PP&E | 2.2B |
Intangibles | 6.1B |
Other Assets | 170.4B |
Total Deposits | 518.2B |
Short Term Debt | 65.9B |
Long Term Debt | 96.4B |
Other Liabilities | 104B |
The company delivered a strong financial performance in Q2 2024, with operating income of $4.8 billion, up 7%, and pre-tax profit of $1.8 billion, up 15%. Wealth Solutions income increased by 27%, driven by a 32% rise in investment products. The company announced its largest-ever share buyback of $1.5 billion. Income guidance for 2024 was upgraded to above 7%. CET1 ratio remains robust at 14%, post-buyback. The firm is progressing well on the Fit for Growth program, expecting benefits through 2025 and 2026.
What is Earnings Call?
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Price Targets
STD Price Targets Summary
Standard Chartered PLC
According to Wall Street analysts, the average 1-year price target for STD is 11.543 EUR with a low forecast of 9.558 EUR and a high forecast of 16.282 EUR.
Dividends
Current shareholder yield for STAN is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Profile
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Description
Standard Chartered Plc engages in the provision of banking and financial services. The Banks's segments include Corporate & Institutional Banking, Retail Banking, Commercial Banking, and Private Banking. Its Corporate & Institutional Banking segment supports clients with their transaction banking, corporate finance, financial markets and borrowing needs across markets. Its Retail Banking segment serves individuals and small businesses. The company provides digital banking services with a human touch to its clients, with services spanning across deposits, payments, financing products and Wealth Management. The company also supports its clients with their business banking needs. Its Commercial Banking segment serves local corporations and medium-sized enterprises in markets across Asia, Africa and the Middle East. Its Private Banking segment offers a full range of investment, credit and wealth planning products to grow, and protect, the wealth of high-net-worth individuals.
Officers
The intrinsic value of one STD stock under the Base Case scenario is 26.752 EUR.
Compared to the current market price of 9.674 EUR, Standard Chartered PLC is Undervalued by 64%.