Standard Chartered PLC — Capital/Financing Update 2020

Oct 30, 2020

SUPPLEMENTARY PROSPECTUS DATED 30 OCTOBER 2020

Standard Chartered PLC

(Incorporated as a public limited company in England and Wales with registered number 966425) Standard Chartered Bank

(Incorporated with limited liability in England by Royal Charter with reference number ZC18)

U.S.\$77,500,000,000 Debt Issuance Programme

This supplement (the "Supplementary Prospectus", which definition shall include all information incorporated by reference herein) to the base prospectus dated 17 June 2020 (the "Base Prospectus", which definition includes the base prospectus and all information incorporated by reference therein), as supplemented by the supplementary prospectus dated 6 August 2020, constitutes a supplementary prospectus for the purposes of Article 23 of the Prospectus Regulation and is prepared in connection with the U.S.\$77,500,000,000 Debt Issuance Programme (the "Programme") established by Standard Chartered PLC ("SCPLC") and Standard Chartered Bank ("SCB") (each of SCPLC and SCB in such capacity an "Issuer" and together the "Issuers"). Terms defined in the Base Prospectus have the same meaning when used in this Supplementary Prospectus.

This Supplementary Prospectus is supplemental to, updates, must be read in conjunction with, and forms part of, the Base Prospectus and any other supplements to the Base Prospectus issued by the Issuers from time to time.

This Supplementary Prospectus has been approved by the FCA, as the United Kingdom competent authority under the Prospectus Regulation, as a supplement to the Base Prospectus in compliance with the Prospectus Regulation.

The Issuers accept responsibility for the information contained in this Supplementary Prospectus. To the best of the knowledge of the Issuers, the information contained in this Supplementary Prospectus is in accordance with the facts and makes no omission likely to affect its import.

Purpose of this Supplementary Prospectus

The purpose of this Supplementary Prospectus is to:

• (a) incorporate by reference the interim management statement for the third quarter of 2020 announced by SCPLC on 29 October 2020;
• (b) incorporate by reference the document entitled "Standard Chartered PLC Pillar 3 Disclosures 30 September 2020" released by SCPLC on 29 October 2020; and
• (c) update the no significant change statement of SCPLC and its subsidiaries in the Base Prospectus.

New Documents Incorporated by Reference

The following documents, which have been (a) previously published and (b) filed with the FCA, are hereby incorporated in, and form part of, this Supplementary Prospectus:

• 1. the interim management statement for the third quarter of 2020 announced by SCPLC on 29 October 2020 (the "Interim Management Statement"); and
• 1. the document entitled "Standard Chartered PLC Pillar 3 Disclosures 30 September 2020" released by SCPLC on 29 October 2020.

General Information

There has been no significant change in the financial performance or financial position of SCPLC and its subsidiaries since 30 September 2020, being the end of the last financial period for which financial information of SCPLC and its subsidiaries has been published (as set out in the Interim Management Statement). There has been no material adverse change in the prospects of SCPLC since 31 December 2019, being the date of its last published audited financial statements.

General

Copies of the documents incorporated by reference in this Supplementary Prospectus may be obtained (without charge) from the website of the Regulatory News Service operated by the London Stock Exchange at: http://www.londonstockexchange.com/exchange/news/market-news/market-newshome.html and are available, during usual business hours on any weekday (Saturdays, Sundays and public holidays excepted), for inspection at the registered office of the Issuers and at the office of the Issuing and Paying Agent, as set out in the Base Prospectus. This Supplementary Prospectus and copies of the documents incorporated by reference in this Supplementary Prospectus will be available for so long as any Notes are outstanding under the Programme at the website of SCPLC at: https://www.sc.com/en/investors/.

To the extent that any document or information incorporated by reference in this Supplementary Prospectus itself incorporates any document or information by reference, either expressly or impliedly, such document or information will not form part of this Supplementary Prospectus for the purposes of the Prospectus Regulation, except where such document or information is stated within this Supplementary Prospectusas specifically being incorporated by reference or where this Supplementary Prospectus is specifically defined as including such information. The websites which are referred to in the documents which are incorporated by reference into this Supplementary Prospectus do not form part of this Supplementary Prospectus for the purposes of the Prospectus Regulation.

To the extent that there is any inconsistency between: (a) any statement in this Supplementary Prospectus or any statement incorporated by reference into this Supplementary Prospectus; and (b) any other statement in or incorporated by reference into the Base Prospectus, or the supplementary prospectus dated 6 August 2020, prior to the date of this Supplementary Prospectus, the statements in (a) above will prevail.

Save as disclosed in this Supplementary Prospectus or the supplementary prospectus dated 6 August 2020, there has been no other significant new factor, material mistake or material inaccuracy relating to information included in the Base Prospectus since the publication of the Base Prospectus.