Standard Bank Group Limited · JSE:SBK
Standard Bank — Investor Day (March 2026)
18 slides from Standard Bank's investor day presentation, March 2026
Slide 1: Technology, AI & Payments
\) Standard Bank TECHNOLOGY, “A Al & PAYMENTS 33% MARGARET NIENABER CHIEF OPERATING OFFICER STANDARD BANK GROUP
Slide 2: Pioneering the next phase of growth through Technology, AI and Payments
Pioneering the next phase of growth through our leading Technology platform, AI evolution at scale and Payments value creation. STANDARD BANK GROUP CAPITALCAPITAL MARKETSMARKETS DAY | MARCH DAY | MARCH 2026 2026 TECHNOLOGY, AI & PAYMENTS | MARGARET NIENABER 2
Slide 3: One operating model
One operating model Four business units. Integrated through common capabilities CIB BCB PPB IAM Single Technology platform with integrated core capabilities (e.g. Cloud, Simplification, Modernisation, AI, Cyber, Technology Culture, Architecture, Data Platforms) SIMPLICITY Strong operations capabilit
Slide 4: The next phase of our growth is built on three pillars
The next phase of our growth is built on three pillars Leading Technology Artificial intelligence Payments platform evolution at scale value creation Driving revenue growth and Scaling AI deeply and Advancing Payments as a Aim operational efficiency responsibly to reimagine client strategic enabler
Slide 5: Leading Technology Platform
01 LEADING TECHNOLOGY PLATFORM Driving structural operating leverage and enabling our strategic focus areas. STANDARD BANK GROUP CAPITALCAPITAL MARKETSMARKETS DAY | MARCH DAY | MARCH 2026 2026 TECHNOLOGY, AI & PAYMENTS | MARGARET NIENABER 5
Slide 6: We've delivered structural operating leverage through Technology
Leading Technology platform AI evolution at scale Payments value creation We’ve delivered structural operating leverage through Technology Revenue generated per unit of Technology spend Key drivers of improved performance 7,97 44% → 71%2 7,51 7,08 7,08 7,18 Migrated to the cloud Public cloud compute
Slide 7: Priorities to 2028 | Our leading Technology platform
Leading Technology platform AI evolution at scale Payments value creation Priorities to 2028 | Our leading Technology platform Modern Technology systems Leading Technology talent Cloud scale Critical engineering capability • Scaled cloud migration across footprint, with hyperscalers • Engineers usin
Slide 8: Artificial Intelligence evolution at scale
Visible AI 10% 02 ARTIFICIAL Technology INTELLIGENCE Foundation 30% EVOLUTION AT SCALE People and Processes 60% To drive purposeful innovation and enable decisive, deliberate action building our long-term competitive advantage, whilst embedding responsible AI across client journeys and core processe
Slide 9: Foundational progress to scale AI
Leading Technology platform AI evolution at scale Payments value creation Foundational progress to scale AI Machines performing tasks that typically require human intelligence Artificial intelligence Systems that learn from data to improve predictions and decisions Machine learning Neural networks i
Slide 10: Priorities to 2028 | SBG AI blueprint
Leading Technology platform AI evolution at scale Payments value creation Priorities to 2028 | SBG AI blueprint Scaling AI to drive revenue growth, productivity uplift and structural operating leverage Clients People and Culture Technology Platform with Hyperscalers Deliver more relevant and persona
Slide 11: Payments value creation
03 PAYMENTS VALUE CREATION Our vision is to build trusted, seamless and modern Payment services, connecting Africa to the world. To transfer financial value simply, instantly and securely, aligned with our clients’ needs, to enable deeper entrenchment, cross-sell and share of wallet and grow our tra
Slide 12: Payments are at the heart of every banking relationship
Leading Technology platform AI evolution at scale Payments value creation Payments are at the heart of every banking relationship Strategic relevance Market is evolving faster due to • Anchor client experience and primacy technological and regulatory advancements • Capital-light and liquidity accret
Slide 13: In 2025, over R164trn in payments were processed across 20m clients
Leading Technology platform AI evolution at scale Payments value creation In 2025, over R164trn in payments 1 were processed across 20m clients 1 Including interbank and correspondent banking relationships STANDARD BANK GROUP CAPITAL MARKETS DAY | MARCH 2026 TECHNOLOGY, AI & PAYMENTS | MARGARET NIEN
Slide 14: Payments driving ROE | Domestic & International
Leading Technology platform AI evolution at scale Payments value creation Payments driving ROE | Domestic & International Halo Long-term strategic value - 33% >R28bn Client primacy, loyalty and Growth in PPB SA VAS Disbursed to clients in multi-product upsell. VAS, income YoY insurance claims in 202
Slide 15: Priorities to 2028 | Building on a solid foundation
Leading Technology platform AI evolution at scale Payments value creation Priorities to 2028 | Building on a solid foundation 1. Domestic Payment Advantage 2. Cross-Border Diversification 3. Digital Assets3 Opportunity Winning in the day-to-day Securing client preference Capturing real-time, low-cos
Slide 16: Key takeaways
Key takeaways Leading Technology Artificial Intelligence Payments platform evolution at scale value creation We have built a simplified, We are scaling We are advancing Payments modern, resilient and cloud- AI deeply and as a strategic enabler based Technology platform responsibly across the Group d
Slide 17: Margaret Nienaber
MARGARET NIENABER Chief Operating Officer Standard Bank Group QUALIFICATIONS: BCompt (Hons) (University of the Free State), CA (SA), High-Performance Leadership Program (IMD, Lausanne) CURRENT ROLE APPOINTMENT: 2022 CAREER HIGHLIGHTS: • Margaret Nienaber joined Standard Bank Group in 2010 as Head of
Slide 18: Slide 18