Standard Bank Group Limited · JSE:SBK
Standard Bank — Investor Day (March 2026)
23 slides from Standard Bank's investor day presentation, March 2026
Slide 1: Capital Markets Day March 2026 Strategy Update
STANDARD BANK GROUP CAPITAL MARKETS DAY | MARCH 2026 STRATEGY UPDATE | SIM TSHABALALA 1
Slide 2: SBG Today, Opportunities, Strategy, 2028 Targets, Key Takeaways
01 02 03 04 05 SBG TODAY OPPORTUNITIES STRATEGY 2028 TARGETS KEY TAKEAWAYS STANDARD BANK GROUP CAPITAL MARKETS DAY | MARCH 2026 STRATEGY UPDATE | SIM TSHABALALA 2
Slide 3: Africa is our home. We drive her growth.
Africa is our home. We drive her growth. Past Present Future To 2020 2021 - 2025 2026 - 2028 2029+ Built a strong Executed with purpose, Medium-term Long-term foundation kept our promises Accelerating Africa’s undisputed Africa’s growth financial leader STANDARD BANK GROUP CAPITAL MARKETS DAY | MARC
Slide 4: We are the largest African franchise with a proven track record
SBG today Opportunities Strategy 2028 Targets Key takeaways We are the largest African franchise with a proven track record Largest Unmatched Compounding financial services group in Africa footprint and reach shareholder value creation Total assets Total shareholder value added1 Rtrn 163 21 20m 50k
Slide 5: Our large and diversified portfolio provides resilience
SBG today Opportunities Strategy 2028 Targets Key takeaways Our large and diversified portfolio provides resilience Headline earnings by business unit1 Group headline earnings by region Rbn Rbn Insurance & Asset Management Offshore and other Personal & Private Banking Africa Regions CAGR CAGR Busine
Slide 6: We met or exceeded our financial targets
SBG today Opportunities Strategy 2028 Targets Key takeaways We met or exceeded our financial targets 2020 2025 2020 Actual 2025 Targets 20252025 Actual Actual Targets Actual Revenue growth 7% – 9% 11% 2020/25 CAGR 2020/25 CAGR Cost-to-income ratio 59.1% Approaching 50% 50.2% Credit loss ratio 151bps
Slide 7: Four structural themes shape the opportunities in Africa
SBG today Opportunities Strategy 2028 Targets Key takeaways Four structural themes shape the opportunities in Africa Rapid economic Large Growing and Evolving financial growth and infrastructure needs diversified trade services landscape demographic and capital flows dividend STANDARD BANK GROUP C
Slide 8: Rapid economic growth and demographic dividend
SBG today Opportunities Strategy 2028 Targets Key takeaways Rapid economic growth and demographic dividend 2 The opportunity We are well-positioned to benefit Rapid growth in our markets… …drives SBG’s growth. Unmatched on-the-ground presence in Real GDP growth 1 % 21 countries in Africa 4.6 4.4 4.2
Slide 9: Large infrastructure needs
SBG today Opportunities Strategy 2028 Targets Key takeaways Large infrastructure needs The opportunity We are well-positioned to benefit Deep sector expertise in Energy, 1 Infrastructure and Sustainable Finance $170bn Total infrastructure investment needed per year1 2 Large balance sheet and access
Slide 10: Growing and diversified trade and capital flows
SBG today Opportunities Strategy 2028 Targets Key takeaways Growing and diversified trade and capital flows The opportunity We are well-positioned to benefit Africa’s trade diversifying % Broad footprint in Africa, supported by expansive 1 global footprint and strategic partnership with ICBC Africa
Slide 11: Evolving financial services landscape
SBG today Opportunities Strategy 2028 Targets Key takeaways Evolving financial services landscape A changing landscape presents new challenges Our competitive advantages Growing payments Scale ecosystem 1 Market-leading franchise built over 163 years Convergence Rise of of financial digital-first se
Slide 12: Executing our strategy through a business unit-led model
SBG today Opportunities Strategy 2028 Targets Key takeaways Executing our strategy through a business unit-led model Our purpose Africa is our home, we drive her growth Our strategy To compete and win in our chosen markets and segments Opportunities Africa’s rapid economic growth and Africa’s large
Slide 13: The themes underpinning our plans
SBG today Opportunities Strategy 2028 Targets Key takeaways The themes underpinning our plans Revenue growth Cost management Drive Deepen Improve Grow Invest Optimise transactions at relationships with collaboration the balance to scale or processes using the core clients both across the sheet in su
Slide 14: Our business units are focused on competing and winning in their chosen markets and segments
SBG today Opportunities Strategy 2028 Targets Key takeaways Our business units are focused on competing and winning in their chosen markets and segments 2028 financial targets Strategic focus areas Revenue growth ROE CAGR 2025/28 • Capture structural opportunities in Africa’s growth CIB • Defend the
Slide 15: Operational excellence enables growth
SBG today Opportunities Strategy 2028 Targets Key takeaways Operational excellence enables growth 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
Slide 16: Three paths to growth: build, buy and partner
SBG today Opportunities Strategy 2028 Targets Key takeaways Three paths to growth: build, buy and partner Build Buy Partner Protect, streamline and continue Invest in Partner with international to grow our core franchises high growth markets banks and DFIs Deliberate focus on growing Invest in busin
Slide 17: We have an experienced management team
SBG today Opportunities Strategy 2028 Targets Key takeaways We have an experienced management team Sim Tshabalala Chief Executive, Arno Daehnke Standard Bank Group Chief Finance & Value Business units Management Officer Margaret Nienaber Chief Operating Officer Group Functions Group subsidiaries Sha
Slide 18: We have highly engaged teams
SBG today Opportunities Strategy 2028 Targets Key takeaways We have highly engaged teams R1 billion 64% +54 invested in our of vacancies Employee NPS well ahead of people’s growth filled internally global and African benchmarks A global employer of choice Recognised for excellence Awards 2025 STANDA
Slide 19: We are committed to delivering our ambitious 2028 financial targets
SBG today Opportunities Strategy 2028 Targets Key takeaways We are committed to delivering our ambitious 2028 financial targets Core targets Supplementary targets 8% – 12% 7% – 10% <50% 70bps – 100bps Banking revenue HEPS CAGR1 Cost-to-income ratio Credit loss ratio CAGR1 18% – 22% >12.5% 45% – 60%
Slide 20: Key takeaways
SBG today Opportunities Strategy 2028 Targets Key takeaways Key takeaways 1 Starting from a position of strength 2 Opportunities are large 3 Strategy is clear 4 The management team has depth and capability to deliver 5 Targets are ambitious and credible STANDARD BANK GROUP CAPITAL MARKETS DAY | MARC
Slide 21: 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 22: Simpiwe Tshabalala
SIMPIWE TSHABALALA Chief Executive Standard Bank Group QUALIFICATIONS: BA, LLB (Rhodes University), LLM (University of Notre Dame, summa cum laude), HDip Tax (University of the Witwatersrand), AMP (Harvard University) CURRENT ROLE APPOINTMENT: 2017 CAREER HIGHLIGHTS: • Simpiwe “Sim” Tshabalala joine
Slide 23: Slide 23