Standard Chartered Business Model Canvas

Engages central banks, DFIs (IFC, ADB) and regulators to align with prudential standards and support licences and market confidence. Co-finances sustainable infrastructure and trade programs, leveraging guarantees and risk-sharing from multilaterals to unlock capital flows. Standard Chartered has pledged to finance and facilitate $300bn of sustainable investment by 2030, underpinning policy advocacy and sovereign partnerships.

Correspondent banks and local partners enable cross-border payments in 59 markets, reducing settlement friction and cost. Fintechs and payment networks speed wallets, remittances and API banking; global remittances were US$597bn in 2023. DFIs and regulators support guarantees and cof-inancing; SCB pledged US$300bn sustainable finance by 2030. Cloud and tech providers drive core modernization; >80% banks adopted cloud in 2024.

Treasury and markets making at Standard Chartered manages balance sheet liquidity, ALM and capital buffers to meet regulatory requirements across its global network of 59 markets. The desk makes markets in FX, rates and credit for institutional and corporate clients, pricing and hedging risk with quantitative analytics and models. Funding is optimized via diversified instruments and multiple currencies to reduce concentration and cost of funding.

Standard Chartered runs trade finance (LCs, guarantees, receivables/payables) across c.59 markets (2024), focusing on Asia–Africa–Middle East corridors to support commodity and working‑capital flows.

Provides corporate lending, cash management, FX/rates, capital markets origination and bespoke currency/commodity hedges with sector coverage and relationship banking.

Treasury manages balance sheet liquidity, ALM and market‑making in FX, rates and credit, optimizing multi‑currency funding.

Maintains KYC/AML/sanctions screening, credit governance and stress testing; global money‑laundering estimated 2–5% of world GDP (UNODC).

Standard Chartered's technology stack centers on modern core banking, digital channels, APIs and cloud-first infrastructure, supporting operations across 59 markets with around 85,000 staff in 2024. Data platforms power risk models, personalization and pricing analytics; strong cybersecurity and resilience maintain industry SLAs and enable scalable foundations for new products and partnerships.

Standard Chartered's key resources: footprint across 59 markets, c.85,000 staff (2024), deep trade/FX/EM expertise and 170+ year brand. Financial strength: Tier 1 capital USD 55.2bn, CET1 14.9%, LCR 141% (2024). Modern cloud-first tech, APIs and data platforms underpin risk, pricing and digital services.

Digitized trade and supply chain replaces paper with eDocs and API integrations, enabling up to 50% faster decisioning and about 30% lower error rates in trade processing; embedded financing for buyers and suppliers shortens cash cycles by roughly 20% and expands working-capacity across ecosystems, reinforcing Standard Chartered’s platform-led trade services and accelerating onboarding and settlement at scale.

Standard Chartered bridges emerging-market flows across 59 markets, enabling cross-border growth as EMs projected to drive ~60% of global growth in 2024 (IMF).

End-to-end treasury, competitive FX execution (global market ~USD7.5trn/day) and digitized trade cut decisioning ~50%, errors ~30% and shorten cash cycles ~20%.

Sustainable finance target USD300bn by 2030 via green loans, transition finance and blended solutions with DFIs.

Workshops with treasurers and CFOs co-design workflows, aligning bank processes with client treasury cycles to target STP rates above 98%. Sandbox and API pilots validate integrations—pilots routinely lift STP and cut reconciliation time, supporting scale-up. Joint KPIs (STP, DSO/DPO) steer performance; pilots have shown DSO reductions of 3–5 days. This approach increases client stickiness and differentiation.

Dedicated coverage teams across 59 markets deliver sector-focused RM/product pairing, driving multi-year relationships and cross-sell; STP targets exceed 98% with pilots cutting reconciliation time. In 2024, ~60% of routine interactions moved to digital self-service while loyalty enrollments rose double-digit, trimming DSO by 3–5 days. Compliance-first onboarding and periodic reviews reinforce trust and ESG/sanctions education.

Relationship managers and advisory combine onsite visits, virtual meetings and multidisciplinary deal teams to execute mandates, leveraging the bank's presence in 59 markets (2024) for cross-border coordination. They provide clients direct access to proprietary research and thought leadership from coverage and product specialists. This integrated model is critical for delivering complex, multi-product solutions across regions.

Digital portals and APIs enable STP for cash, trade and FX across 59 markets (2024), with real-time reporting; retail digital handles >70% of interactions (2024). Relationship managers deliver cross-border, multi-product advisory leveraging presence in 59 markets. Partners/embedded finance capture incremental volumes; global embedded transactions ~US$2.8tn (2024).

Financial institutions — banks, NBFIs, fintechs and asset managers — rely on Standard Chartered for correspondent services, liquidity corridors and markets access across its 59 markets footprint. Asset managers tap into a global AUM pool of about $110 trillion in 2024, driving demand for white‑label and embedded capabilities. Priority is unwavering reliability and rigorous compliance, including AML/KYC and sanctions screening.

Global corporates, regional exporters, FIs, wealth clients and sovereigns use Standard Chartered’s 59–60 market network for cross‑border treasury, trade finance, FX hedging and advisory; 2024 metrics: global AUM access ~$110tn and EM sovereign issuance >$360bn, driving mandate and deposit flows.

Risk and compliance costs cover AML/KYC operations, continuous monitoring tools and regular internal and external audits to detect illicit activity. Regulatory reporting and capital requirements drive spend and help sustain a CET1 ratio of 13.1% (Dec 2024). Legal, remediation and conduct programmes add settlements and remediation costs. These functions are essential to maintain licences and client trust.

Salaries and benefits for c.85,000 staff are the largest recurring cost (>50% of OpEx in 2024). Technology and transformation (c.£1.9bn in 2023) plus ongoing run/change spend sustain automation and global ops centres. Risk, compliance, funding and hedging costs support a CET1 ~14.9% and LCR >140% in 2024.

Fees and commissions at Standard Chartered span account fees, payments, cash management and trade services, plus advisory, underwriting and custody charges, with wealth distribution and card fees enhancing retail income. In 2024 fee income remained a stable, diversified non-interest revenue pillar, contributing roughly US$2.3bn and around 28% of total non-interest income. This mix reduces interest-rate sensitivity and supports fee-growth across Asia, Africa and the Middle East.

Standard Chartered's core revenue is net interest income US$11.4bn in 2024, driven by loans, trade finance and treasury placements. Non-interest income included fees US$2.3bn and transaction banking ~30% of group income; Asian wealth flows grew +8% YoY. Trading and markets deliver volatile but material P&L via FX, rates and credit activities.