Standard Chartered Risk

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Standard Chartered Risk Review

Risk review
Our risk profile is in line with our strategy

Highly diversified and short tenor portfolio:

We have a well diversified portfolio of loans and advances and income streams across geographies, industry sectors and products; no individual country accounts for more than 21 per cent of our loans and advances to customers or operating income

In Consumer Banking 73 per cent of assets are secured and the average loan-to-value ratio on our mortgage portfolio is less than 48 per cent

In Wholesale Banking 64 per cent of loans and advances are short-term and we hold a diverse mix of collateral, valued conservatively

Our top 20 corporate exposures are stable as a proportion of group capital resources and highly diversified, with each, on average, spread across seven markets and five industries

We have low exposure to asset classes outside our core markets and customer base; our exposure to commercial real estate, Asset Backed Securities and leveraged loans
is non-material from a Group perspective

Our asset quality remains good

Strong capital and liquidity position
We remain well capitalised and our balance sheet remains highly liquid
We have a strong advances-to-deposits ratio
We remain a net provider of liquidity to interbank markets
Our customer deposit base is diversified by type and maturity
We have a substantial portfolio of liquid assets which can be realised if a liquidity stress occurs

Robust risk governance structure and experienced senior team
We have a clear statement of risk appetite which is aligned to the Group’s strategy; it is approved by the Board and informs the more granular risk parameters within which our businesses operate

We continuously monitor our risk profile to ensure it remains within our risk appetite and regularly conduct stress tests

We review and adjust our exposures, underwriting standards and limits in response to observed and anticipated changes in the external environment and expectations

We have a very experienced senior risk team and our risk committees are staffed by the Group’s most senior leaders

We have a robust risk management framework which assigns accountability and responsibility for the management and control of risk

We maintain a consistent and highly selective approach to large corporate credit underwriting

Standard Chartered Risk Review