Standard Bank Group Limited · JSE:SBK
Standard Bank — H1 2025 Earnings Presentation
6 slides from Standard Bank's earnings presentation, September 2025
Slide 1: Standard Bank Group
AFRICA IS OUR HOME, WE DRIVE HER STANDARD BANK GROUP September 2025
Slide 2: Who we are
Who we are #1 on the Attractive investment 4 businesses 27 countries continent1 proposition #1 Recognised and trusted Growing and engaged client PERSONAL & Bank Brand in Africa2 brand franchise Egypt PRIVATE BANKING 19.1% Well diversified Targeted Return on equity and resilient technology BUSINESS &
Slide 3: Diversified and growing business
Diversified and growing business 1H25 highlights – performance underpinned by continued robust franchise momentum Business unit performance Regional performance by legal entity % Rbn Change ROE 1H25 headline CIB 12.0 +16 22.9 R23.0 bn % earnings BCB 4.5 -5 37.2 Rbn Change contribution PPB 4.9 0 20.0
Slide 4: 1H25 – strong performance driven by growing client franchise revenue and active capital management
Customer deposits1 (Rtrn) Gross customer loans1 (Rtrn) 1H25 – strong performance driven by growing client franchise revenue and active capital management Jun-20 Jun-21 Jun-22 Jun-23 Jun-24 Jun-25 Jun-20 Jun-21 Jun-22 Jun-23 Jun-24 Jun-25 1.2 1.2 1.3 1.4 1.4 1.6 0.5 0.5 0.6 0.6 0.6 0.6 0.3 0.3 0.4 0.
Slide 5: Driving sustainable growth and value
Driving sustainable growth and value SBG 2025 targets – firmly on track to deliver Core metrics 10 years to 2024 1H25 2025 targets Our short term trends and commitments Key macroeconomic trends positive across our portfolio Revenue growth, CAGR 10% (2014 – 2024) 10% 1H20 – 1H25 7% – 9% 2020 – 2025
Slide 6: Market data and sustainable finance
Driving sustainable growth and value Market data Sustainable finance TEN MAJOR SHAREHOLDERS¹ Sustainable Finance Product Framework 30 June 2025 31 December 2024 Sustainable finance mobilisation target >450 billion (2022 – 2028) Number of Number of shares % shares % General Green eligible activities