Total assets: R2.9 trillion
Market capitalisation of R284 billion (*USD17 billion) as at 31 December 2022
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R284bn
(*USD17 billion) market capitalisation
The group is listed on the JSE and A2X, with share code SBK, and the Namibian Stock Exchange, with share code SNB
R34.2bn
(*USD2.1 billion) Standard Bank Group’s headline earnings for the year
R2.9tn
(*USD170 billion) total assets
10.4%
Using any qualifying Standard Bank Personal Credit, Cheque or Debit Card
17.7m
Trusted clients
49 000
Employed (including Liberty)
1 021
Operating branches
6 600
Functional ATMs across Africa
Glossary of terms
Headline earnings
The total earnings of a company before deducting exceptional or non-recurring items, it represents the core operational earnings of the company.
Headline earnings per share (HEPS)
The portion of the company's headline earnings that is allocated to each outstanding share, HEPS provides a measure of the earnings generated on a per-share basis.
Net asset value per share
The value of a company's net assets (total assets minus total liabilities) divided by the number of outstanding shares, it indicates the value attributed to each share based on the company's net worth.
Dividend per share
The amount of dividend declared by the company for each outstanding share, it represents the portion of profits distributed to shareholders on a per-share basis.
Return on equity (ROE)
A financial ratio that measures the profitability and efficiency of a company by dividing its net income by shareholders' equity, ROE indicates the return generated on each unit of invested equity.
Cost to income ratio
A financial ratio that measures the efficiency of a company's operations by dividing its operating costs by its operating income, it reflects the percentage of revenue utilised for covering operating expenses.
Credit loss ratio
A financial metric that measures the proportion of credit losses, such as bad debts or loan defaults, relative to the total amount of credit extended by the company, it indicates the level of credit risk and potential financial losses.
Common equity tier 1 ratio
A regulatory measure of a bank's financial strength and capital adequacy, calculated by dividing its common equity tier 1 capital by its risk-weighted assets, it represents the proportion of high-quality, loss-absorbing capital in relation to the bank's risk exposure.
Our investment proposition
Trusted brand
Our unparalleled brand strength and legitimacy is recognised continent-wide
Deep African and sector expertise
Our on-the-ground operations in rapidly expanding African economies and our strong expertise in a number of fast-growing sectors
Available resources
Our robust capital structure and financial resources are underpinned by our modernised and increasingly efficient physical and digital infrastructure
Client franchise
Our large and growing client base with relevant client propositions and a significant opportunity to deepen client relationships and grow revenues by way of solution enhancement and cross-sell
Robust capital and liquidity position
Our strong and liquid balance sheet provides flexibility to manage uncertainty, change, innovation and growth
Strong growth prospects
Our prospects for future growth are driven by regional economic fundamentals and increasing financial inclusion and penetration providing opportunities to increase our market share, particularly in some of the large markets in which we operate where we have relatively small market shares
Established partners
Our strong partnerships and alliances, including Amazon Web Services, Microsoft and Salesforce
Digital adoption and partnerships
Our financial deepening and greater market penetration, particularly by way of new digital channels and partnerships, will drive revenue growth
Our strategic priorities
Transform client experience
We will transform client experience using digital technology, amplified by the human touch. We aim to understand our clients as deeply and empathetically as we can, and then use our human skill and digital capabilities to help meet their needs and enable them to achieve their goals.
2025 target: Average revenue growth per annum of 7%–9%
Execute with excellence
We will execute with excellence, delivering innovative and cost-effective products and services ourselves and in partnership with others.
2025 target: Cost-to-income ratio approaching 50%
Drive sustainable growth and value
We strive to deliver increasingly attractive returns to our shareholders and continued net positive impact in the economies and societies in which we operate.
2025 target: ROE in our target range of 17%–20%
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Environmental, Social and Governance
We are committed to ensuring that our strategy is consistent with our mission of driving sustainable growth in Africa
Corporate governance
We see Corporate governance as an enabler that promotes strategic decision-making to create sustainable value
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