CONFIDENTIAL Rewiring the DNA in banking

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CONFIDENTIAL 2 SC Ventures We only back ventures and investments where we believe that we have competitive advantage Our operating model eXellerator Facilitate innovation and culture change within the enterprise working with Fintechs and clients. Proof of concepts with fintechs feed into investments. Client co-creation, staff ideas feed into the venture pipeline Investment Invest in Fintechs which have partnered with either the enterprise or the ventures. Fintechs in fund portfolio are introduced to rest of the enterprise or ventures for scaling. Ventures Create new, independent business models and partnerships adjacent to, or competing with traditional businesses. Select ventures may return to the enterprise as new capabilities. Ventures use fintechs which feed into investments.

CONFIDENTIAL 3 SC Ventures Sustainability & Inclusion Corporates and banks have the opportunity to fully integrate sustainability and financial inclusion into their business models SMEs & World Trade World trade is a crucial engine for global welfare and GDP growth, but SMEs still struggle with inclusion with the global economy and access to the financial system Online Economy & Lifestyle The rise and integration of the online economy is a key driver for growth. Finance needs to support the digital lifestyles of this new economy Digital Assets Digital assets are here to stay, but in need of a sustainable and safe infrastructure, which banks are well positioned to provide Considering changing global dynamics, we have developed high conviction themes which reimagine how banks will serve society Our high conviction themes

CONFIDENTIAL 4 SC Ventures Online Economy & Lifestyle Digital Assets SMEs and world trade Sustainability & Inclusion Ventures The rise and integration of the online economy is a key driver for growth. Finance needs to support the digital lifestyles of this new economy. Digital assets are here to stay, but in need of a sustainable and safe infrastructure, which banks are well positioned to provi. World trade is a crucial engine for global welfare and GDP growth, but SMEs still struggle with inclusion with the global economy and access to the financial system Digital assets are here to stay but in need of a sustainable and safe infrastructure, which banks are well positioned to provide. Minority investments Building a robust portfolio of ventures and investments across 4 high conviction themes

CONFIDENTIAL 5 SC Ventures SMEs are a backbone of economies but have been denied access to finance and technology Solv works to enable e-commerce for SMEs and better business services, including access to financial services. Banks have yet to bridge the gap between trade financing and institutional capacity, leaving open the “trade financing gap” Olea takes a transparent approach with both suppliers and investors, using AI and blockchain to contribute to sustainable economic growth in supply chains. Digital assets are here to stay but the market is in need of institutional adoption and safe, compliant infrastructure Zodia Custody provides bank-grade custody for institutional investors. Zodia Markets is an exchange and brokerage platform for institutional investors. As world trade is more important than ever to GDP growth, supply chains are dislocated TASConnect provides end-to-end automation, visibility and control over supply chain ecosystems. Our ventures are off to a promising start • 3x YoY growth in Gross Transaction Value – cumulative GTV of $422m • BNPL and Supply Chain Finance offerings launched • Solv Kenya launched in Oct 2022 • Expansion into new markets underway in Vietnam, Ghana and Malaysia. • Concluded $40m fund raise, with majority share from SBI Holdings (Japan) Partnership with • Partnership with Silverbirch Finance to deliver cross-border working capital solutions to the European-Asian corridor • In India, Olea and Vayana furthered partnership, launching a receivables financing program and executed the first landmark export financing transaction under this program. Partnership with • $13.7bn+ of GTV (Gross Transaction Volume) to date. • >250k of Supply Chain invoices financed through the platform to date Partnership with Partnership with • Zodia Custody – FY2022 AUC at ~$330m • First dedicated crypto custodian registered in Ireland; established asset custodian JV with SBI in Japan • Digital Assets Initiative of the Year at Global Custodian’s Leaders in Custody awards • Zodia Markets - received crypto asset registration from the UK Financial Conduct Authority

CONFIDENTIAL 6 SC Ventures Migrant workers exist outside the financial system and often resort to expensive, unregulated ways of repatriating funds myZoi provides a safe, efficient, regulated avenue for migrant works to enable cross-border funds transfer Banks hold power over how liquidity is invested; consumers should have a options to be able to use their funds for doing good Shoal empowers consumers to support the sustainability projects they choose, with their deposits Online economy is outpacing the bank’s ability to provide financial services to consumers Nexus is a plug-and-play business as a service (Baas) solution, enabling banking and financial services at scale for any e-commerce platform’s customers With a strong pipeline of ventures coming to market shortly Partnership with • Live in Sept 2022 • BukaTabungan launch (digital banking service in partnership with Bukalapak) • MVP is sustainable deposits, in partnership with Starling Bank • Currently conducting beta testing • Obtained regulatory In principal approval; Commenced Beta Testing • Discussions with partners in Bangladesh, Pakistan and Philippines underway Partnership with Pending Launch Pending Launch Pending Launch Standard Chartered nexus

CONFIDENTIAL 7 SC Ventures Objective Intrapreneurs Supporting staff with innovative ideas to validate and build as bank solutions or ventures. Fintech / start-up engagement Scouting and deploying fintech solutions with a view to build new capabilities for the bank. Client engagement Engaging clients via co-creation workshops, to develop new partnerships and JVs. KPIs Client insights Providing frontline staff with curated and actionable insights for clients using AI. Live in SG, UAE, UK, France. Financial markets challenge Open call – looked for predictive model to estimate daily risk-based P&L. TASConnect: Co-creation with Lenovo • To digitize ecosystem of suppliers through platform / marketplace integrated with multiple banks for financing, through rule-based engines. • Deepened from single to multi-product corporate banking relationship. Examples SC eSign Electronic signature platform for online document signing, 2FA and signer identity verification. Launched in August 2020. BlueSG challenge Open call – looked for model to help BlueSG optimize their fleet availability. Sustainability collaboration with ENGIE • Co-develop sustainability ventures to accelerate Asia’s transition to zero carbon. • 1 MOU signed to build capability to enable MNCs to decarbonize supply chains. • More projects in progress. Our operating model can be replicated across other enterprises to drive internal transformation 20 Countries live 32 Use cases 100 RMs trained 2.5K Clients in scope 2.5K Ideas submitted 30+ Business challenges 3.1K Start-up community 440 PoCs / Path to prod. 19 Conversations ongoing for Metaverse co-creation 13 Applicants 01 Shortlisted (Refinitiv) 07 Applicants 01 Shortlisted (Good travel software) 16 Co-creation/ path to JV

CONFIDENTIAL 8 SC Ventures • Trust Bank, second separately licensed digital bank in Asia, after Mox in Hong Kong • A unique partner in NTUC Enterprise with unprecedented access to customers, including supermarkets, pre-schools, training platforms, F&B, financial services and health and eldercare • Nexus provides global embedded finance solution • Partnership with Indonesian e-commerce giant Bukalapak including a strategic investment into Bukalapak • 2nd partnership with beauty and personal care platform Sociolla • MOX virtual bank in HK was launched as a Joint Venture with HK Telecom, PCCW and Trip.com • HKT and parent PCCW are Hong Kong’s leading telecommunications provider • Trip.com is Asia’s largest online travel agency • Zodia offers institutional grade infrastructure for digital assets • Partnership and investment by Northern Trust in December 2020 (for Zodia custody) • Formed as a partnership with BC Group of Hong Kong in July 2021 (for Zodia markets) • Olea enabling trade assets as an investible asset class was launched as a Joint Venture • Linklogis: a leading provider of technology solutions for supply chain finance • Agreement with Refinitiv of the LSE Group to provide supply chain financing solutions • TASConnect, providing end to end automation, visibility and control over supply chain ecosystems • Partnered with Lenovo and an open platform to onboard more anchors clients. Strategic partnerships are core to our approach to build scalable, viable businesses nexu s

CONFIDENTIAL 9 SC Ventures SC Ventures Metaverse Strategic Summary Identify and understand the metaverse problem statements that are blocking mass adoption Work with partners to drive co-creation in the metaverse and drive commercial value Build an innovative brand image, delivering market leading uses cases in upcoming metaverses Build core delivery capabilities, infrastructure, operational processes and risk management discipline Leveraging core capabilities, enable scaling of opportunities as this market grows Launched partnership with The Sandbox, a leading decentralised gaming virtual world, to create innovative experiences for our clients and the community Key Milestones Our Objectives

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CONFIDENTIAL 12 SC Ventures Disclaimer • This material has been prepared by one or more members of SC Group, where “SC Group” refers to Standard Chartered Bank and each of its holding companies, subsidiaries, related corporations, affiliates, representative and branch offices in any jurisdiction, and their respective directors, officers, employees and/or any persons connected with them. Standard Chartered Bank is authorised by the United Kingdom’s Prudential Regulation Authority and regulated by the United Kingdom’s Financial Conduct Authority and Prudential Regulation Authority. • This material is not research material and does not represent the views of the Standard Chartered research department. This material has been produced for reference and is not independent research or a research recommendation and should therefore not be relied upon as such. It is not directed at Retail Clients in the European Economic Area as defined by Directive 2004/39/EC. 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