Standard Bank Group Limited · JSE:SBK
Standard Bank — Investor Day (March 2026)
17 slides from Standard Bank's investor day presentation, March 2026
Slide 1: Personal & Private Banking
5) Standard Bank PERSONAL & PRIVATE BANKING FUNEKA MONTJANE CHIEF EXECUTIVE PERSONAL & PRIVATE BANKING
Slide 2: PPB today, Opportunities, Strategic focus areas, Targets, Key takeaways
01 02 03 04 05 PPB TODAY OPPORTUNITIES STRATEGIC TARGETS KEY TAKEAWAYS FOCUS AREAS STANDARD BANK GROUP CAPITAL MARKETS DAY | MARCH 2026 PERSONAL & PRIVATE BANKING | FUNEKA MONTJANE 2
Slide 3: PPB at a glance
PPB today Opportunities Strategic focus areas Targets Key takeaways PPB at a glance Total Revenue Borrow Growing client base of 16.6 million clients % 42% Large footprint across 15 countries and by 2 offshore hubs Product 58% Diversified revenue streams across banking, insurance, investments and val
Slide 4: Significant strategic progress since our 2021 Investor Day
PPB today Opportunities Strategic focus areas Targets Key takeaways Significant strategic progress since our 2021 Investor Day Drivers of improved performance PPB Headline Earnings Rbn 12.7m → 16.6m 4 million more clients chose to bank with us ROE 5.3% 23.3% Active clients 2020 to 2025 Accelerated c
Slide 5: Full service offering to Personal and Private clients
PPB today Opportunities Strategic focus areas Targets Key takeaways Full service offering to Personal and Private clients Personal banking creates a pipeline for migration into private banking Leading Personal Private client experience Low to Middle-income Affluent & HNW from early entrants into ban
Slide 6: Substantial opportunities across all our markets
PPB today Opportunities Strategic focus areas Targets Key takeaways Substantial opportunities across all our markets Market themes PPB revenue pool opportunity across the continent1 Africa's growing and diversified trade and capital flows R280bn R170bn R450bn 12% Personal Private Total PPB PPB marke
Slide 7: PPB 2028 | Three clear strategic focus areas for PPB
PPB today Opportunities Strategic focus areas 1 2 3 Targets Key takeaways PPB 2028 | Three clear strategic focus areas for PPB Ambition Strategic focus areas Drive client engagement by improving our client experience and expanding the transactional 1 client base, increasing digital penetration and d
Slide 8: Client engagement | Deepen client relationships and engagement
PPB today Opportunities Strategic focus areas 1 2 3 Targets Key takeaways Client engagement | Deepen client relationships and engagement Net fee and commission income 2028 priorities Customer acquisition • Deliver top tier customer experience giving clients a reason to join and stay 18000 >10% • Est
Slide 9: Client engagement | Increase personalisation and digital engagement
PPB today Opportunities Strategic focus areas 1 2 3 Targets Key takeaways Client engagement | Increase personalisation and digital engagement Personalisation1 Digital engagement1 Digital clients are more engaged, more loyal and more profitable Client entrenchment score2 Daily and weekly active users
Slide 10: Client engagement | Drive >10% GWP through collaboration with IAM
PPB today Opportunities Strategic focus areas 1 2 3 Targets Key takeaways Client engagement | Drive >10% GWP through collaboration with IAM Expanding insurance contribution 2028 priorities Insurance revenue recognised in PPB Leverage banker and advisor partnership to sell insurance Rbn and investmen
Slide 11: Support our clients through the cycle | Disciplined growth
PPB today Opportunities Strategic focus areas 1 2 3 Targets Key takeaways Support our clients through the cycle | Disciplined growth Loans and advances 2028 priorities Rbn Maintain #1 Home Services market share position1 and leading share of Card SA Mortgage profit pool2 while protecting ROE Persona
Slide 12: Invest and optimise | Accelerate capability builds
PPB today Opportunities Strategic focus areas 1 2 3 Targets Key takeaways Invest and optimise | Accelerate capability builds • Increase the number of Universal Bankers and Relationship managers Operational • Smaller points of representation in high density locations optimisation Lower cost per clien
Slide 13: Drivers of delivery supported by 2028 priorities
PPB today Opportunities Strategic focus areas Targets Key takeaways Drivers of delivery supported by 2028 priorities ROE PPB 2028 Targets 26% - 30% Revenue growth 7% – 9% CAGR 23.3% Cost-to-income ratio <55% ROE target range 2025 Drive client Support clients Invest 2028 acquisition & through & 26% –
Slide 14: Key takeaways
PPB today Opportunities Strategic focus areas Targets Key takeaways Key takeaways Demonstrable track record of delivery 1 Strong existing momentum reflected in client growth, increased engagement and entrenchment; and double-digit net fee and commission growth in South Africa since 2022 Attractive o
Slide 15: Disclaimer
Disclaimer Forward-looking statements The Group may, in this document, make certain statements that are not historical facts and relate to analyses and other information which are based on forecasts of future results and estimates of amounts not yet determinable. These statements may also relate to
Slide 16: Funeka Montjane
FUNEKA MONTJANE Chief Executive | Personal & Private Banking Standard Bank Group QUALIFICATIONS: BCom (Hons) (Wits), MCom (UJ), CA (SA) CURRENT ROLE APPOINTMENT: 2021 CAREER HIGHLIGHTS: • Funeka Montjane joined Standard Bank Group in 2008 as the Chief Financial Officer of Personal and Business Banki
Slide 17: P17
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