Financial highlights
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Standard Bank Group at a glance 2025 annual results
Market capitalisation
R478 billion
Total assets
R3.6 trillion
Total equity
R312 billion
Assets under management
R1.8 trillion
Overview
Standard Bank Group is listed on the JSE and A2X, with share code SBK, and the Namibian Stock Exchange, share code SNB. As at 31 December 2025, the group’s market capitalisation was R478 billion (USD 27 billion).
The group's headline earnings for the period ended 31 December 2025 were R49.2 billion (2.7 USD billion) and total assets were R3.6 trillion (USD billion).
As at 31 December 2025, Standard Bank had over 19.6 million clients, employed over 50 00 people and had over 1200 branches / points of representation and over 5500 ATMs on the African continent.
Balance sheet
| FY25 (ZAR bn) |
FY24 (ZAR bn) |
Change (%) |
|
|---|---|---|---|
| Loans and advances | 1 726 | 1 652 | 4 |
| Total assets | 3 621 | 3 269 | 11 |
| Deposits | 2 365 | 2 142 | 10 |
| Shareholders equity | 264 | 251 | 5 |
Income statement
| FY25 (ZAR m) |
FY24 (ZAR m) |
Change (%) |
|
|---|---|---|---|
| Revenues | 168 827 | 158 693 | 6 |
| Operating expenses | (84 748) | (80 141) | 6 |
| Pre-provision operating profit | 84 079 | 78 552 | 7 |
| Credit impairment charges | (14 317) | (15 148) | (5) |
| Banking headline earnings | 43 551 | 40 179 | 8 |
| Insurance and Asset Management headline earnings | 4 112 | 3 270 | 26 |
| ICBCS earnings attributable (40% stake) | 1 544 | 1 054 | 46 |
| Group headline earnings | 49 207 | 44 503 | 11 |
Per share breakdown
| FY25 (ZAR) |
FY24 (ZAR) |
Change (%) |
|
|---|---|---|---|
| Headline earnings per share | 3 026 | 2 691 | 12 |
| Dividend per share | 1 695 | 1 507 | 12 |
Ratios
| FY25 | FY24 | |
|---|---|---|
| Cost-to-income ratio | 50.2 % | 50.5 % |
| Credit loss ratio | 73 bps | 83 bps |
| ROE | 19.3 % | 18.5 % |
| Dividend payout ratio | 56 % | 56 % |
| Common equity tier 1 ratio | 13.8 % | 13.5 % |
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Balance sheet
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Income statement
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Per share breakdown
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Ratios
| FY25 (ZAR bn) |
FY24 (ZAR bn) |
Change (%) |
|
|---|---|---|---|
| Loans and advances | 1 726 | 1 652 | 4 |
| Total assets | 3 621 | 3 269 | 11 |
| Deposits | 2 365 | 2 142 | 10 |
| Shareholders equity | 264 | 251 | 5 |
| FY25 (ZAR m) |
FY24 (ZAR m) |
Change (%) |
|
|---|---|---|---|
| Revenues | 168 827 | 158 693 | 6 |
| Operating expenses | (84 748) | (80 141) | 6 |
| Pre-provision operating profit | 84 079 | 78 552 | 7 |
| Credit impairment charges | (14 317) | (15 148) | (5) |
| Banking headline earnings | 43 551 | 40 179 | 8 |
| Insurance and Asset Management headline earnings | 4 112 | 3 270 | 26 |
| ICBCS earnings attributable (40% stake) | 1 544 | 1 054 | 46 |
| Group headline earnings | 49 207 | 44 503 | 11 |
| FY25 (ZAR) |
FY24 (ZAR) |
Change (%) |
|
|---|---|---|---|
| Headline earnings per share | 3 026 | 2 691 | 12 |
| Dividend per share | 1 695 | 1 507 | 12 |
| FY25 | FY24 | |
|---|---|---|
| Cost-to-income ratio | 50.2 % | 50.5 % |
| Credit loss ratio | 73 bps | 83 bps |
| ROE | 19.3 % | 18.5 % |
| Dividend payout ratio | 56 % | 56 % |
| Common equity tier 1 ratio | 13.8 % | 13.5 % |
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