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2003 Annual Review

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2003 Annual Review 30102 StanChart AnRvw Covers 7/5/2004 3:51 pm Page 1 Annual Review 2003 seeing is believing Standard Chartered Chartered Standard Annual Review 2003 Standard Chartered aims to raise funds to restore sight to one million people. © Standard Chartered PLC Our Seeing is Believing global fundraising campaign has already raised March 2004 US$1,400,000, enough to restore the sight of 56,000 people, twice our Registered Office: original target. 1 Aldermanbury Square The money raised will be administered by Sight Savers International and London EC2V 7SB other members of Vision 2020 ‘The Right to Sight’. Telephone +44 (0)20 7280 7500 Leading the way We would like to thank all our employees, customers, suppliers and www.standardchartered.com shareholders for their generous support. Principal Place of Business in Asia, Africa and Now we want to raise enough to restore a million eyesights. in Hong Kong: 32nd Floor, 4-4A Des Voeux Road, If you would like to support Seeing is Believing please contact: Genevieve Kotta, Community Relations Manager the Middle East Central, Hong Kong [email protected] Registered in England Telephone: +44 (0) 20 7280 7657 number: 966425 www.standardchartered.com 30102 StanChart AnRvw Covers 7/5/2004 3:51 pm Page 2 Front Cover: Standard Chartered employs 30,000 people in over The 2004 Standard Chartered Bank 500 locations serving 56 countries and territories Hong Kong Marathon. across the Asia Pacific Region, South Asia, the Standard Chartered has sponsored the Hong Kong Middle East, Africa, the United Kingdom and the Marathon since 1997. This year 24,000 runners took Americas. It is one of the world’s most international part. The event was a huge success and was covered by banks and employees comprise 79 nationalities. every newspaper and TV station in Hong Kong. Standard Chartered serves both Consumer and Wholesale Banking customers, is well-established in growth markets and aims to be the ‘Right Partner’ for its customers. The Bank combines deep local This Review and Summary Financial Statement does not knowledge with global capability. give you all the information you need to gain as a full an understanding of the results The Bank is trusted across its network for its standard of the Group and the state of affairs of the Bank, or of the of governance and its commitment to making a Group, as the full Annual difference in the communities in which it operates. Report and Accounts. If you want to receive a free copy of the full Annual Report and Accounts for 2003, or future years, please write to our registrars. Employees Tier 1 capital ratio Wholesale Banking operating profit 30,153 8.8% UP18% Nationalities 79 Mortgage customers Consumer Banking operating profit Countries/territories UP 56 250,000 19% Credit cards in issue Hong Kong operating profit 6m UP17% Designed and produced by Rare Corporate Design, London. Principal location Number of branches/offices Net bad debts photography by Michael Heffernan. Print and logistics by Astron in the UK. DOWN Printed in the UK on bio-degradable paper made from 50% chlorine free bleached pulp, and 50% recycled from de-inked fibres. This document is 519 25% fully recyclable. Strategic Highlights 1 Strategic Highlights • Operating profit up 22 per cent. 2 Group at a Glance 4 Chairman’s Statement • Net revenue up 5 per cent to $4.75 billion. 6 Group Chief Executive’s Review 18 Our People 20 Corporate Social Responsibility • Earnings Per Share up 20 per cent. 24 Summary Financial Review 30 Board of Directors • Return on Equity rose to 15.3 per cent. 32 Summary Report of the Directors 33 Statement of the Independent Auditor 34 Consolidated Profit and Loss Account • Expanded in new markets – South Africa, 35 Consolidated Balance Sheet 36 Summary Segmental Information South Korea and Afghanistan. 37 Directors’ Remuneration Report 49 Principal Group Addresses 51 Shareholder Information Unless another currency is specified, the word ‘dollar’ or symbol ‘$’ in this document means United States dollar. Balance sheet growth Profit before taxation $59.7 bn $60.6 bn $1.54 bn Loans and advances to customers Other assets Net revenue Dividend per share $2,968 m $1,785 m 52.0 cents Net interest income Other revenue Balance sheet growth Net revenue Profit before taxation Dividend per share $ billion $ million $ million Cents 60.6 1,785 1,542 52.00 56.0 1,505 1,476 1,409 47.00 50.4 54.4 1,381 1,201 1,262 41.92 41.0 1,089 36.97 38.11 2,900 3,063 2,968 2,647 2,680 59.7 821 53.0 57.0 46.7 51.9 99 00 01 02 03 99 00 01 02 03 99 00 01 02 03 99 00 01 02 03 Other assets Other revenue Loans and advances to customers Net interest income Annual Review 2003 Standard Chartered 1 Group at a Glance Standard Chartered is one of the world’s most international banks. In all our markets we are committed to exploring opportunities to be the Right Partner to our customers, employees and to the communities we operate in. Asia Hong Kong Singapore Standard Chartered’s business in Standard Chartered’s 145th year of Hong Kong has returned to growth doing business in Singapore was and is well placed to benefit from marked by continued revenue a revival in the economy. It is our growth and product innovation. largest market. We intend to The launch of our ground-breaking incorporate locally, in preparation Manhattan credit card proved for the potential economic growth particularly successful, offering generated by closer integration consumers the first credit card in with China’s Pearl River Delta region. Asia with interest rates tailored to their spending patterns. Employees Branches/offices Employees Branches/offices 3,991 75 2,289 20 Net Revenue Net Revenue $1,358 million $488 million 1,442 485 488 1,416 1,358 430 432 440 1,188 1,116 99 00 01 02 03 99 00 01 02 03 Africa is an increasingly profitable Africa region for the Group through our Middle East and continued development of the range and quality of services that South Asia (MESA) we offer. We have taken a major step towards returning to full service banking in South Africa, with the acquisition of 20twenty, an online financial services company. The Banker magazine named Standard Chartered Bank of the Year for Africa 2003. Employees Branches/offices 4,512 137 Net Revenue $443 million 443 377 368 355 332 99 00 01 02 03 2 Standard Chartered Annual Review 2003 Malaysia Other Asia Pacific India Standard Chartered has continued Standard Chartered enjoyed double- Standard Chartered reinforced its to develop its long-established digit revenue growth in many markets. position as the largest international presence in Malaysia. In Consumer In China, the Group’s position bank in India with the rapid expansion Banking we launched interactive was enhanced by being granted of its branch network and product kiosks in major shopping malls custodian bank status for Qualified range. The Group highlighted its and expanded our product range Foreign Institutional Investors. position as a leading bank in the in the country’s growing Islamic Standard Chartered was also Indian currency market by transacting financial services market. Standard named Best Retail Bank in the the first on-shore foreign currency Chartered Malaysia also supports Asia Pacific region by Retail rupee option. Standard Chartered the Group with a Global Service Banker International magazine. India also supports the Group with a Centre in Kuala Lumpur with Global Service Centre in Chennai with 1,000 employees. 3,300 employees. Employees Branches/offices Employees Branches/offices Employees Branches/offices 2,211 30 5,265 79 7,201 69 Net Revenue Net Revenue Net Revenue $236 million $682 million $468 million 250 261 682 468 237 234 236 572 394 514 529 355 473 272 134 99 00 01 02 03 99 00 01 02 03 99 00 01 02 03 United Arab Emirates Other MESA Americas Businesses in these regions The UAE is an important market The MESA region delivered strong provide Wholesale Banking for for Standard Chartered’s Consumer revenue growth in 2003. We and the those trading or investing in Asia, and Wholesale businesses. Over continued to develop our product Africa, the Middle East and Latin 40 new products were launched range across the region, United Kingdom America. Standard Chartered New by the Bank’s investment services maintaining our position as the York has one of the largest US unit, which enjoyed rapid revenue largest foreign bank in Pakistan and dollar clearing businesses in the growth. Our internet banking Bangladesh. We also became the USA, ranking 8th in the banking service was launched, while our first international bank to open a industry. The Group also operates card business also expanded with branch in Afghanistan. an offshore banking business the launch of a Visa Electron based in Jersey. In 2003, a new Debit Card. representative office was opened in Turkey. Employees Branches/offices Employees Branches/offices Employees Branches/offices 842 8 2,248 85 1,594 16 Net Revenue Net Revenue Net Revenue $234 million $315 million $529 million 315 839 226 234 301 211 275 726 227 225 611 605 529 99* 00* 01 02 03 99* 00* 01 02 03 99 00 01 02 03 *Prior to 2001 the UAE information is not separately available Annual Review 2003 Standard Chartered 3 Chairman’s Statement We have delivered another strong performance. Not only did our business succeed in making up for the uncertain economic start to 2003, we went on to achieve strong growth over the previous year, underlining the progress we are making towards our goal of leading the way in Asia, Africa and the Middle East.
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