Standard Chartered Business Model Canvas

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Covers key elements like value propositions, customer segments, and channels in full detail.

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Business Model Canvas

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Business Model Canvas Template

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Unveiling the Financial Giant's Strategy

Explore Standard Chartered's intricate business model through its Business Model Canvas. This framework visualizes how they serve customers, manage costs, and generate revenue. It unveils key partnerships, activities, and resources crucial to their success. Analyze their value propositions, channels, and customer relationships for strategic insights. Download the complete Business Model Canvas and gain a competitive edge in your own financial endeavors.

Partnerships

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Fintech Companies

Standard Chartered collaborates with fintech companies to boost its digital offerings and introduce groundbreaking financial solutions. These alliances often involve incorporating fintech tools into existing services, jointly developing new products, or utilizing fintech knowledge to improve customer satisfaction. For example, in 2024, Standard Chartered's collaboration with Wise Platform enhanced international payments for SC Remit customers, processing over $100 billion in cross-border transactions.

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Technology Providers

Standard Chartered's partnerships with technology providers are key to its digital transformation. These collaborations help the bank modernize its systems, boost cybersecurity, and use data analytics effectively. For example, in 2024, Standard Chartered invested $1.2 billion in technology and innovation. This enabled the bank to enhance digital banking services, impacting customer experience positively.

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Insurance Companies

Standard Chartered's strategic alliances with insurance companies like Prudential are crucial. These bancassurance partnerships allow the bank to offer diverse insurance products. This boosts financial solutions, including life and health coverage. In 2024, Prudential and Standard Chartered marked 25 years of their partnership.

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Global Networks

Standard Chartered leverages global networks for its business model. These partnerships enhance its international service offerings. Such networks facilitate cross-border transactions, trade, and investment. In 2024, the bank focused on sustainability and wealth solutions. The bank aims to strengthen its cross-border capabilities.

  • Global networks enable Standard Chartered's international reach.
  • These partnerships support cross-border financial activities.
  • The bank emphasizes sustainability and wealth solutions.
  • It aims to improve cross-border financial services.
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Sustainability Organizations

Standard Chartered's partnerships with sustainability organizations are crucial for achieving its environmental and social objectives. These collaborations drive the development of sustainable finance solutions and green initiatives. In 2024, the bank, alongside KPMG and the UN Office for Disaster Risk Reduction, introduced the Guide for Adaptation and Resilience Finance. Such partnerships enable the bank to promote responsible business practices and contribute to global sustainability efforts.

  • Guide for Adaptation and Resilience Finance launched in 2024.
  • Partnerships with sustainability organizations support green initiatives.
  • Collaboration with KPMG and the UN Office for Disaster Risk Reduction.
  • Aim to advance environmental and social goals.
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Strategic Alliances Drive Growth and Innovation

Key partnerships fuel Standard Chartered's global strategy, boosting digital capabilities and expanding service offerings. Collaborations with fintechs, like the Wise Platform, enhanced cross-border transactions, processing over $100 billion in 2024. These partnerships support the bank's digital transformation and sustainability goals, with strategic alliances with insurance providers like Prudential.

Partnership Type Examples 2024 Impact
Fintech Wise Platform $100B+ in cross-border transactions
Tech Providers Various $1.2B in technology and innovation investment
Insurance Prudential 25 years of partnership

Activities

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Corporate and Investment Banking

Standard Chartered's Corporate and Investment Banking (CIB) division offers crucial financial services. This includes lending, trade finance, and investment banking services to companies globally. In 2024, CIB's strategy focuses on increasing cross-border revenue. This enhances Standard Chartered's worldwide financial impact.

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Wealth Management

Wealth management is a cornerstone for Standard Chartered. They offer investment advice, portfolio management, and wealth planning. Tailored services meet high-net-worth individuals' needs. Their strategy combines cross-border capabilities with wealth expertise. Standard Chartered's wealth management AUM reached $107 billion in 2024.

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Digital Banking

Standard Chartered's key activities heavily involve digital banking. They invest in and enhance platforms like mobile apps and online portals. This ensures convenient access to financial services. Standard Chartered's DCDA aims to lead in digital banking. In 2024, they focused on expanding digital offerings.

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Risk Management

Risk management is a core function at Standard Chartered, essential for safeguarding assets and reputation. This involves strong frameworks, stress tests, and market monitoring to identify and address potential threats. Data-driven risk analysis, like credit risk pricing models, is crucial for loan assessments.

  • In 2024, Standard Chartered's credit impairment charges were $550 million, reflecting ongoing risk management efforts.
  • The bank's risk-weighted assets (RWA) are continuously monitored; in 2024, they were approximately $210 billion.
  • Stress tests are regularly conducted; the bank's Common Equity Tier 1 (CET1) ratio was 14.3% in 2024, showing resilience.
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Sustainable Finance

Standard Chartered has ramped up its sustainable finance activities, backing green projects and ESG standards. This focus helps them attract eco-minded investors and clients. In 2024, the bank's income from this sector hit $982 million, a 36% increase year-over-year. This growth highlights their dedication to sustainable finance.

  • Financing green projects.
  • Promoting ESG standards.
  • $982 million income in 2024.
  • 36% YoY increase.
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Key Activities Driving Strategic Goals

Standard Chartered's key activities include digital banking, risk management, and sustainable finance, critical for its strategic goals. Digital banking focuses on platforms and offerings, risk management on safeguarding assets. Sustainable finance supports green projects, reflecting their dedication to ESG.

Key Activity Description 2024 Data Points
Digital Banking Enhance digital platforms, expand offerings Focus on mobile app updates and online banking.
Risk Management Safeguarding assets, data-driven analysis Credit impairment charges: $550M; RWA: ~$210B; CET1: 14.3%.
Sustainable Finance Funding green projects, ESG standards Income: $982M; YoY increase: 36%.

Resources

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Financial Capital

Financial capital is crucial for Standard Chartered's operations. A robust capital base supports lending, regulatory compliance, and expansion. The bank's Common Equity Tier 1 ratio was 14.2% at the end of 2024, demonstrating financial stability. Accessing capital markets provides additional funding for strategic initiatives.

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Global Network

Standard Chartered's global network is a core asset, vital for its business model. This network spans key markets in Asia, Africa, and the Middle East. It facilitates cross-border transactions and provides access to diverse markets. In 2024, Standard Chartered's income from Asia reached $7.2 billion, highlighting its network's value.

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Technology Infrastructure

Standard Chartered's technology infrastructure is crucial for digital banking, transaction processing, and cybersecurity. The bank invests in IT systems, cloud computing, and data analytics. In 2024, Standard Chartered allocated approximately $1.5 billion to technology and digital investments. They use advanced technologies and partner with others to maximize their impact.

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Brand Reputation

Standard Chartered's strong brand reputation is a crucial asset. It fosters customer trust and loyalty, which are essential in the financial sector. This favorable image supports the bank's ability to secure partnerships and maintain a competitive advantage globally. Standard Chartered's ratings reflect its financial stability and solid performance.

  • Moody's Investor Services gives Standard Chartered an A1 rating.
  • Standard & Poor's and Fitch Ratings give it an A+ rating.
  • These ratings are current as of 2024.
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Human Capital

Human capital is vital for Standard Chartered's success, underpinning its ability to provide top-tier financial services. This involves attracting, training, and retaining skilled employees across banking and tech. In 2024, Standard Chartered's Global Private Bank focused on team development, client capabilities, and service excellence. The bank's strategy emphasizes investing in its workforce to support UHNW client needs.

  • Attracting and retaining talent is a key focus area.
  • Training programs are essential for skill development.
  • Client-focused capabilities are a priority.
  • Service excellence is maintained through workforce investment.
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Key Resources Driving Success

Key resources for Standard Chartered include financial and human capital, a global network, technological infrastructure, and brand reputation.

Financial capital supports lending and compliance, with a 14.2% Common Equity Tier 1 ratio in 2024.

The bank’s network generated $7.2 billion in income from Asia in 2024.

Technology investments totaled approximately $1.5 billion in 2024.

Resource Description 2024 Data/Fact
Financial Capital Supports operations, lending, and expansion. Common Equity Tier 1 ratio of 14.2%.
Global Network Facilitates cross-border transactions. $7.2B income from Asia.
Technology Digital banking and cybersecurity. $1.5B allocated to technology.

Value Propositions

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Global Expertise

Standard Chartered leverages its global expertise in international banking, especially in Asia, Africa, and the Middle East. This expertise allows the bank to offer valuable insights and solutions to clients operating in these regions. The bank's strategy combines cross-border capabilities for corporate clients with wealth management for affluent clients. In 2024, Standard Chartered's operating income was up 7% year-on-year, driven by strong performance in these key markets.

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Cross-Border Capabilities

Standard Chartered's cross-border capabilities are central to its value proposition. The bank excels at facilitating international transactions, including trade and investment. They offer diverse financial products across various markets. In 2024, international trade accounted for a significant portion of global economic activity. For example, trade finance volumes reached $40 billion.

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Digital Convenience

Standard Chartered's digital convenience focuses on accessible banking via apps and online portals. Customers gain 24/7 financial control and transaction capabilities. The Digital Channels & Data Analytics (DCDA) initiative aims to lead in digital banking for corporate clients. In 2024, they invested significantly in digital enhancements, boosting user engagement by 15%.

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Sustainable Finance Solutions

Standard Chartered provides sustainable finance solutions. These include green loans and sustainability-linked bonds. The bank also offers ESG advisory services. This helps clients achieve environmental and social goals.

  • In 2024, Standard Chartered arranged $3.9 billion in sustainable finance.
  • Their sustainable finance assets increased to $30 billion.
  • They aim for $300 billion in sustainable finance by 2030.
  • The bank's ESG advisory services saw a 20% growth in client engagements.
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Personalized Service

Standard Chartered excels in Personalized Service by offering tailored financial solutions. They customize investment advice, wealth planning, and banking services. This approach considers individual needs and preferences for a bespoke experience. In 2024, this strategy helped increase client satisfaction scores by 15%.

  • Customized Solutions: Tailored financial products.
  • Wealth Planning: Personalized wealth management strategies.
  • Client Satisfaction: Increased by 15% in 2024.
  • Unique Proposition: Seamless blend of internal and external expertise.
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Banking's Global Reach: Digital, Sustainable, and Growing

Standard Chartered's value proposition includes expertise in international banking, focusing on Asia, Africa, and the Middle East, offering cross-border capabilities and wealth management. Digital convenience, including 24/7 access through apps and online portals, enhances customer experience and transaction capabilities. In 2024, they increased their investments in digital enhancements by 15%. Standard Chartered also provides sustainable finance solutions.

Value Proposition Description 2024 Data Highlights
Global Expertise Offers insights and solutions in key markets. Operating income up 7% year-on-year.
Cross-Border Capabilities Facilitates international transactions. Trade finance volume at $40 billion.
Digital Convenience 24/7 financial control and transactions. User engagement boosted by 15%.
Sustainable Finance Green loans and ESG advisory services. $3.9B in sustainable finance arranged.
Personalized Service Customized financial solutions. Client satisfaction scores up 15%.

Customer Relationships

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Relationship Managers

Standard Chartered's relationship managers offer tailored financial guidance. They are the main contact, fostering enduring client relationships. The bank is boosting services for ultra-high-net-worth clients in 2024. This includes expanding its team of dedicated relationship managers. This is critical for clients with over $10 million in assets, who need personalized service.

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Digital Engagement

Standard Chartered actively connects with customers via digital platforms, like social media and email. This approach allows for swift updates and direct interaction. They use tech to enhance client engagement, fostering trust through excellent service. In 2024, digital banking users increased by 15%.

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Customer Service Centers

Customer service centers are vital for Standard Chartered, supporting clients with banking needs. These centers handle inquiries, transactions, and issues. In 2024, Standard Chartered invested significantly in its customer service infrastructure. They aim to enhance client experiences through efficient support, with a focus on digital channels. The bank reported a 15% decrease in customer service resolution times in the last year.

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Feedback Mechanisms

Standard Chartered actively employs feedback mechanisms to enhance customer relationships. These include surveys and reviews, enabling the bank to gather insights into customer preferences. The bank uses these insights to address concerns and improve services. Standard Chartered implemented client listening channels. This process helps turn anecdotal feedback into robust client insights, feeding directly into product development.

  • Customer satisfaction scores for Standard Chartered in 2024 averaged 7.8 out of 10 based on internal surveys.
  • The bank saw a 15% increase in customer feedback submissions via digital channels in the last year.
  • Standard Chartered allocated $20 million in 2024 towards technology to enhance customer feedback analysis.
  • Client listening initiatives influenced 3 major product updates in 2024, improving customer experience.
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Community Engagement

Standard Chartered actively fosters community engagement to build strong customer relationships and enhance its brand reputation. The bank supports local initiatives and sponsors events, demonstrating its commitment beyond financial services. In 2024, Standard Chartered invested significantly in community programs globally. The bank also educates suppliers on climate change through engagement campaigns.

  • In 2024, Standard Chartered's community investments totaled over $100 million.
  • The bank's sustainability programs reached over 500,000 individuals through various initiatives.
  • Standard Chartered's supplier engagement focused on reducing carbon emissions by 15% by 2025.
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Client-Focused Banking: Key Metrics Revealed

Standard Chartered prioritizes tailored financial guidance via relationship managers, especially for high-net-worth clients. They also connect with customers digitally. Enhanced customer service centers, plus feedback mechanisms, boost client relations. The bank invests in community engagement.

Metric 2024 Data Details
Customer Satisfaction 7.8/10 Based on internal surveys
Digital Feedback Increase 15% Increase in submissions via digital channels
Community Investment $100M+ Total community program spending

Channels

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Branch Network

Standard Chartered's branch network facilitates direct customer interaction. In 2024, the bank strategically maintained branches in key markets. These branches offer essential services and personalized advice. They also support the bank's commitment to a client-focused approach. The focus is on recruiting and training skilled staff.

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Online Banking

Standard Chartered's online banking channel offers customers 24/7 access to their accounts. This platform facilitates easy transactions, enhancing customer experience. The bank invested $2.5 billion in digital transformation by 2023. Online banking boosts efficiency and reduces operational costs for the bank.

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Mobile Banking

Mobile banking offers the same online banking features but is accessible on smartphones and tablets. Customers can manage finances on the go, enhancing convenience. Standard Chartered leverages digital platforms like SC Shilingi to diversify revenue. In 2024, mobile banking user growth surged, reflecting increased digital adoption. Recent data shows over 70% of Standard Chartered's transactions are via digital channels.

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ATMs

ATMs serve as a crucial distribution channel for Standard Chartered, offering convenient access to banking services. These machines enable customers to withdraw cash, deposit funds, and manage their accounts efficiently. The bank strategically places ATMs in branches and high-traffic locations to ensure accessibility. Standard Chartered has invested heavily in digital capabilities, with KES 14.1 billion in the last five years, including ATM infrastructure.

  • Cash Withdrawal: ATMs facilitate quick cash access for customers.
  • Account Management: ATMs allow users to check balances and perform basic transactions.
  • Strategic Placement: ATMs are located in accessible and high-traffic areas.
  • Digital Investment: The bank's investment in digital infrastructure includes ATM upgrades.
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Partnerships

Standard Chartered's partnerships are key to expanding its reach. Collaborations with fintechs and retailers enhance services. In 2024, they integrated Wise Platform's API into SC Remit. This allows international payments in 21 currencies with no markup fees. This boosts customer access to various financial solutions.

  • Partnerships help increase market reach.
  • Collaborations with fintechs are essential.
  • Wise Platform integration is a recent example.
  • SC Remit offers competitive international payments.
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Banking Access: Branches, Digital, and Partnerships

Standard Chartered uses branches, online banking, and mobile apps for customer interaction, with over 70% of transactions digital. ATMs offer convenient access to services, backed by significant digital investments. Partnerships, such as the Wise Platform integration, expand service offerings, increasing market reach.

Channel Description Key Benefit
Branches Physical locations Personalized service
Online Banking 24/7 access to accounts Convenience
Mobile Banking On-the-go finance Accessibility

Customer Segments

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Corporate Clients

Standard Chartered's corporate clients are major global corporations and institutions. In 2024, the bank provided services like lending and trade finance. These clients need sophisticated solutions for their international business operations. Standard Chartered connects these clients with opportunities in Africa, Asia, and the Middle East.

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Affluent Individuals

Standard Chartered targets affluent individuals and high-net-worth clients. These clients need personalized investment advice and wealth planning to manage their wealth. In 2024, Standard Chartered launched "Now's your time for wealth" marketing. Globally, the wealth management market is projected to reach $121.4 trillion by 2025.

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Retail Customers

Retail customers form a key segment for Standard Chartered, encompassing individuals and small businesses. They rely on the bank for essential services like deposit accounts, loans, and credit cards. Standard Chartered's digital focus, including mobile platforms and SC Shilingi, aims to enhance user experience and boost revenue. In 2024, the bank's retail banking profits showed a significant growth, reflecting the success of these strategies.

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Small and Medium Enterprises (SMEs)

Standard Chartered views Small and Medium Enterprises (SMEs) as crucial clients, providing them with financial services essential for expansion and daily operations. In 2024, the bank focused on strengthening its brand within cross-border and international banking, catering specifically to SMEs. This includes offering services like financing and transaction banking tailored to their needs. Standard Chartered's commitment to SMEs is evident through initiatives aimed at supporting their financial health.

  • SME lending by banks in 2024 is projected to reach $1.5 trillion globally.
  • Standard Chartered's SME banking revenue increased by 8% in the first half of 2024.
  • The bank provided over $20 billion in financing to SMEs in Asia in 2024.
  • In 2024, the bank aimed to increase its SME customer base by 15% through targeted marketing.
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Financial Institutions

Standard Chartered's focus on financial institutions includes correspondent banking and treasury services, supporting their global expansion. The bank aims for 70% of cross-border revenue in its CIB division. These services enhance the reach of financial institutions. This strategic approach is crucial for international financial operations.

  • Correspondent banking facilitates international transactions.
  • Treasury services help manage financial assets.
  • CIB division targets cross-border revenue growth.
  • Services support other financial institutions' clients.
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Diverse Banking: Customer Segments & Services

Standard Chartered serves diverse customer segments, including large corporations needing global financial solutions. They also cater to high-net-worth individuals with wealth management services. Retail customers and small businesses depend on them for essential banking services.

The bank actively supports SMEs, offering financing and transaction banking to facilitate their growth. It also works with financial institutions, providing correspondent banking and treasury services. These varied segments ensure the bank's revenue streams remain diversified.

Customer Segment Services Provided Key Data (2024)
Corporate Clients Lending, Trade Finance Trade finance volume: $400B
Affluent Individuals Wealth Management Global wealth market: $121.4T
Retail Customers Deposits, Loans Retail banking profit growth: 10%
SMEs Financing, Banking SME banking revenue increase: 8%
Financial Institutions Correspondent Banking Cross-border revenue target: 70%

Cost Structure

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Operating Expenses

Operating expenses cover Standard Chartered's daily operational costs like salaries, rent, and marketing. Efficiently managing these expenses is vital for profitability. In the last financial year, underlying operating expenses increased by 7%. For example, in 2024, the bank's operating income was impacted by these costs.

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Technology Investments

Technology investments form a substantial part of Standard Chartered's cost structure. The bank allocates significant resources to technology infrastructure and digital platforms. These investments cover online banking, mobile apps, and robust cybersecurity. Standard Chartered invested KES 14.1Bn in digital capabilities over the last five years. This supports its digital offerings.

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Regulatory Compliance

Standard Chartered faces substantial costs to meet regulatory demands and manage risks. This includes AML, stress tests, and capital adequacy. In 2024, regulatory fines for banks globally totaled billions, highlighting the financial impact. The bank's focus on client relationships is crucial for compliance and trust.

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Restructuring Costs

Restructuring costs are a significant element within Standard Chartered's cost structure, particularly during periods of strategic change. These encompass expenses from cost-cutting programs and organizational overhauls, leading to notable one-time charges. Such expenses might include severance packages, asset impairments, and consulting fees. The "fit for growth" initiative has been a major driver for restructuring, with most costs realized in the past years.

  • In 2023, Standard Chartered reported restructuring costs of $245 million.
  • The "fit for growth" program aimed at achieving significant cost reductions.
  • These costs are crucial for understanding the financial impact of strategic shifts.
  • Restructuring efforts can impact profitability in the short term.
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Credit Impairment

Credit impairment is a significant cost stemming from potential losses on loans and financial assets. Effective credit risk management and maintaining adequate loan loss reserves are vital to control these expenses. Standard Chartered's credit impairment widened, reaching $557 million, a 5% increase from the previous year. This rise underscores the importance of rigorous credit assessment and proactive risk mitigation strategies.

  • Credit impairment costs arise from potential losses on loans and financial assets.
  • Managing credit risk is crucial for mitigating these costs.
  • Standard Chartered's credit impairment rose to $557 million.
  • This increase highlights the need for robust risk management.
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Unpacking the Financial Footprint: Key Costs Revealed!

Standard Chartered's cost structure includes operating expenses like salaries and marketing. Technology investments, such as digital platforms and cybersecurity, are also significant. Regulatory compliance and risk management add to the overall cost. Restructuring costs and credit impairment also influence financial performance.

Cost Category Description 2023 Data
Operating Expenses Daily operational costs. Underlying operating expenses increased by 7%.
Technology Investments Digital platforms and infrastructure. KES 14.1Bn spent on digital capabilities (5 years).
Regulatory Costs AML, stress tests, capital adequacy. Global bank regulatory fines in billions (2024).
Restructuring Costs Cost-cutting programs and overhauls. $245 million.
Credit Impairment Potential losses on loans. $557 million.

Revenue Streams

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Interest Income

Interest income is a pivotal revenue stream for Standard Chartered, primarily derived from lending activities. This includes loans to businesses, consumers, and other financial entities. In 2023, the bank's net interest income saw a 13% rise to KES 33.3 billion. This growth was mainly due to increased loan volumes and better interest rate margins.

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Fee Income

Fee income at Standard Chartered is generated from diverse services. These include transaction banking, wealth management, and investment banking activities. This encompasses fees for account maintenance, transaction processing, and advisory services. In 2024, Wealth Solutions saw a 28% year-on-year increase in operating income, totaling $2.49 billion.

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Trading Income

Trading income at Standard Chartered comes from financial market activities like foreign exchange and equities. This revenue stream is subject to market volatility. In 2024, strong financial markets income, particularly from fixed-income and foreign-exchange trading, boosted returns. The bank's focus on customer trading supports this income. This includes rates products.

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Investment Income

Investment income is a key revenue stream for Standard Chartered, stemming from its investment portfolio. This includes dividends, interest, and capital gains, serving to diversify the bank's income. In 2024, Standard Chartered demonstrated robust performance. The bank's total income reached USD19.7 billion, with significant contributions from Wealth Solutions, Global Markets, and Global Banking.

  • Investment income includes dividends, interest, and capital gains.
  • This stream helps diversify the bank's income sources.
  • In 2024, total income was USD19.7 billion.
  • Wealth Solutions increased by 29 per cent.
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Sustainable Finance Income

Sustainable Finance Income is a key revenue stream for Standard Chartered, driven by the rising demand for sustainable financial solutions. This includes income from green loans and ESG advisory services. In 2024, Standard Chartered generated $982 million from sustainable finance, marking a 36% year-over-year increase.

  • 2024 Sustainable Finance Income: $982 million
  • Year-over-year growth: 36%
  • Focus: Green loans and ESG advisory services
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Diverse Revenue Streams Fueling Growth

Standard Chartered's revenue streams are multifaceted, including interest, fees, and trading income. Interest income is primarily from lending, with a 13% rise to KES 33.3 billion in 2023. Fee income comes from diverse services like wealth management, showing a 28% increase in operating income to $2.49 billion in 2024.

Trading income is sourced from financial market activities. Investment income stems from the bank's portfolio, contributing to overall income diversification. Sustainable finance, driven by green loans and ESG advisory, generated $982 million in 2024, a 36% increase.

Revenue Stream Source 2024 Data
Interest Income Lending KES 33.3B (2023)
Fee Income Wealth Management $2.49B (28% increase)
Sustainable Finance Income Green Loans, ESG $982M (36% increase)

Business Model Canvas Data Sources

The Business Model Canvas for Standard Chartered leverages financial statements, customer research, and market analyses. These inputs guarantee well-informed and effective strategic planning.

Data Sources