Standard Bank Group (SBK) Corporate presentation summary

Strategic overview and footprint

• Operates in 20 African countries with 4.8 million customers and R20bn headline earnings, achieving a 25.9% ROE in FY25.

• Maintains a top-three market position in several key markets, with a diversified presence across West, East, South, and Central Africa.

• Ten-year headline earnings CAGR of 14% in ZAR, reflecting robust long-term growth.

• Provides access to attractive macroeconomic and sector dynamics across the continent.

Financial performance highlights

• Africa Regions contributed 34% of group headline earnings and 42% of group profit before tax in FY25.

• FY25 headline earnings for Africa Regions reached R19.7bn, up 9% YoY in ZAR and 10% in constant currency.

• Revenue for Africa Regions grew 11% YoY in ZAR and 12% in constant currency, with profit before tax up 16% in ZAR.

• Total assets in Africa Regions increased by 11% YoY in ZAR and 17% in constant currency, reaching R656bn.

• Gross customer loans and advances rose 9% YoY in ZAR, while deposits and debt funding grew 13% YoY.

Country-level performance

• Nigeria, Ghana, and Angola delivered the highest headline earnings growth, with Nigeria's headline earnings up 97% YoY.

• Ghana achieved a 42% increase in headline earnings and a 49% rise in profit before tax.

• Angola's headline earnings grew 24% YoY, with total assets up 34% and deposits up 36%.

• Uganda and Zambia also posted strong headline earnings growth of 24% and 22% respectively.

• Mozambique and Zimbabwe experienced declines in headline earnings, with Mozambique down 48% and Zimbabwe down 25%.