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Investor Relations14 Oct 2025
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Standard Bank Group Limited (SBK) investor relations material
Standard Bank Group Limited H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary14 Aug, 2025
Executive summary
Headline earnings rose 8% year-over-year to R23.8bn, with ROE at 19.1% and strong capital ratios maintained.
Achieved robust performance across all business units and regions, with diversified earnings and continued leadership in Africa's financial sector.
Maintained resilience and operational efficiency despite global volatility and challenging macroeconomic conditions.
Digital client engagement and revenue increased, with digital retail clients up 7% and digital sales up 33% in South Africa.
On track to meet 2025 targets and well positioned for medium-term growth.
Financial highlights
Headline earnings per share grew 10% to 1,458c; dividend per share up 10% to 817c (56% payout ratio).
Net interest income up 2% to R51.7bn; non-interest revenue up 15%; trading revenue up 22%.
Cost-to-income ratio improved to 49.4%, with positive jaws of 0.6%.
Credit loss ratio stable at 93bps; total assets grew 11% to R3.41tn; CET1 ratio at 13.2%.
Dividend payout ratio at 56%; 69% of earnings returned to shareholders via dividends and buybacks.
Outlook and guidance
Banking revenue expected to grow mid- to high single digits in ZAR for FY25; NII growth to be lower but offset by higher NIR.
Cost-to-income ratio expected flat to marginally down; ROE to remain in 17–20% range for 2025.
Medium-term targets: headline EPS CAGR of 8–12% (2026–2028), ROE target range of 18–22% by 2028.
Credit impairment charges expected to be higher than 2024 as prior period releases do not repeat.
CET1 ratio expected to remain above 12.5%; dividend payout at top end of 45%-60% range.
Assess impact of US trade policies on growth.
Explain drivers behind record trading revenue.
Elaborate on inorganic growth in East Africa.
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Next Standard Bank Group Limited earnings date
Q3 202517 Oct, 2025
Next Standard Bank Group Limited earnings date
Q3 202517 Oct, 2025
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Frequently asked questions
Standard Bank Group Limited, known as one of Africa's largest banking group by assets, offers a wide array of financial services. It is engaged in providing comprehensive financial solutions, including banking, insurance, and asset management services to individuals, businesses, institutions, and corporations across Africa and other selected international markets. The company is headquartered in Johannesburg, South Africa, and its shares are listed on the Johannesburg Stock Exchange.
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