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Corporate & Investment Banking
Leading in cross-border
We act as a global superconnector for flows from corporates and financial institutions.
170 years of cross-border expertise
It took 170 years to build our network of deep relationships and strong local knowledge. Our expertise across Asia, Africa and the Middle East helps us support key corridor business and unlock growth opportunities for our clients.
These differentiated cross-border capabilities remain central to our business plan. Today, our Corporate & Investment Banking (CIB) business aids large, multinational corporate and financial institutions in navigating global market complexities.
Our priorities
Guiding us in delivering sustainable earnings expansion, disciplined use of capital and consistent value creation for shareholders.
Driving sustained growth
We are committing to a 5-7 per cent income CAGR at constant currency, excluding rates impact.
Focusing on higher returns
We will drive network income to ~70 per cent of CIB income, and target ~60 per cent from FIs.
Maintaining capital efficiency
We will build income returns on risk-weighted assets from 2024 levels.
Staying disciplined on cost
We will ensure expenses rise slower than revenue, targeting positive income-to-cost jaws.
Strategic levers to achieve growth
We serve a diversified client base with a broad suite of tailored products and differentiated cross-border capabilities.
Our unique network provides a strong platform for growth.
- Financial Institutions are a growing proportion of our network income, with a target to reach 60 per cent of CIB income in the medium term.
- Corporates are a core proposition, with a strong outbound corporate franchise in Europe and China banking top-tier cross-border clients, and a strong inbound franchise into ASEAN, Hong Kong and – increasingly – Africa and the Middle East.
- We have gained market share in core markets, supported by differentiated capabilities.
Our full-service offering helps large, multinational corporate and financial institutions navigate global market complexities to generate higher returns.
We offer a diversified product set which – along with our network expertise – helps us increasingly support clients to achieve a range of ambitions across multiple markets.
Investing in digitisation helps us develop new ways to seamlessly connect businesses across the globe and enhance value to our clients.
This investment has reduced our onboarding time for new clients from 12 days in 2022 to nine days in 2024.
Our digital enhancements include:
- Transaction Banking: API-led bespoke payment solutions.
- Global Markets: Improved price streaming and risk management in our Macro product suite across our network.
- Securities Services: Pioneering digital asset custody.
We offer a broad range of tailored products for Financial Institutions (FIs), from scalable clearing and custody services offerings to instant FX and balance sheet solutions for Banks and Broker Dealers.
Over the past five years, our FI income has grown by 12 per cent Compound Annual Growth Rate, including:
- 14 per cent growth in Global Markets
- 10 per cent growth in Global Banking
- 11 per cent growth in Transaction Services
We’ve achieved strong growth in our Sustainable Finance income, outpacing growth in global renewables investment, and we’re well on track to deliver our 2025 income target of over USD1 billion.
This income is spread across product types, with over 50 per cent coming from Global Banking.
Between January 2021 and September 2024 we mobilised USD121 billion of sustainable finance and we’re making good progress towards our USD300 billion target by 2030.
We support our CIB clients by enabling the flow of capital, goods and services, often as the only bank with last-mile capability in a particular market.
Robert HoornwegCo-Head, CIB and CEO, Europe & Americas, Middle East and Africa
We use our network and capabilities to meet growing demand in our markets for risk management, advice, transaction services and financing.
Sunil KaushalCo-Head, CIB and CEO, ASEAN and South Asia
Watch our CIB Investor Seminar
Hear from our leaders about how we’re leveraging our cross-border capabilities to accelerate growth in our business.
Our Group strategy
We’re focused on making a difference for clients in line with our strategy.