Stanbic Holdings Plc · NSEKE:SBIC
Stanbic — FY2025 Earnings Presentation
31 slides from Stanbic's earnings presentation, Mar 11, 2026
Slide 1: Full Year 2025 Financial Results
FULL YEAR 2025 FINANCIAL RESULTS KENYA AND SOUTH SUDAN IS OUR HOME, WE DRIVE HER GROWTH STANBIC HOLDINGS PLC | 11TH MARCH 2026
Slide 2: Opening Remarks, Operating Environment, Financial Outcomes
01 02 03 Opening Operating Financial Remarks Environment Outcomes Joseph Muganda Dr. Joshua Oigara Dennis Musau Chairman, Chief Executive, Chief Financial and Stanbic Holdings Plc Stanbic Holdings Plc Value Officer
Slide 3: Opening Remarks
01 Opening Remarks Joseph Muganda Chairman, Stanbic Holdings Plc.
Slide 4: Chairman's Statement | 2025 Full Year Results
CHAIRMAN’S STATEMENT | 2025 FULL YEAR RESULTS SHARE PRICE GROWTH DIVIDEND PER SHARE EVOLUTION RETURN ON EQUITY EVOLUTION 22.6% 44.1% 35.7% 7.3% 70bps (133bps) 197.75 18.6% 19.3% 20.83 22.35 18.0% 137.25 108.75 15.35 Dec-23 Dec-24 Dec-25 2023 2024 2025 2023 2024 2025 Chairman’s 2025 Highlights; Globa
Slide 5: Our Operating Environment
02 Our Operating Environment Dr. Joshua Oigara Chief Executive, Stanbic Holdings Plc
Slide 6: Our Operating Environment | Global
OUR OPERATING ENVIRONMENT | GLOBAL Global - Inflation & GDP Growth 8.7 6.7 6.6 Global Macro Economic Factors 5.8 US economic policy & tariff uncertainty 4.2 4.7 Monetary policy normalization stalls De-dollarization – Rise of Pan-African Payment 3.8 3.5 3.3 3.3 and Settlement System (PAPSS) and China
Slide 7: Regional Economic Focus | Frontier of Resilience and Growth
REGIONAL ECONOMIC FOCUS | FRONTIER OF RESILIENCE AND GROWTH GDP Growth 24.3% 22.4% Inflation 7.7% 4.9% 6.0% 6.8% 7.6% 6.4% 6.3% 6.6% 4.7% 5.2% 5.5% 7.2% 6.1% 4.9% Kenya Uganda Tanzania S. Sudan 4.5% 3.8% 3.3% 3.6% 4.3% 4.3% 3.1% 3.7% 3.5% 2.2% 3.1% 2.6% 3.0% 2024 2025 (E) 2026 (F) -26.1% 2021 2022 2
Slide 8: We Are the Pulse of Africa's Fastest Expanding Economic Corridor
WE ARE THE PULSE OF AFRICA’S FASTEST EXPANDING ECONOMIC CORRIDOR 5 OF THE 7 FASTEST GROWING ECONOMIES BY GDP1 IN SSA2 ARE IN EAST AFRICA (>$800BN BY 2030) East Africa’s countries are the fastest growing in Sub-Saharan Africa East Africa’s Population is projected to exceed 500m by 2030, with an Real
Slide 9: Regional Outlook | Resilient Markets and Investment Potential
REGIONAL OUTLOOK | RESILIENT MARKETS AND INVESTMENT POTENTIAL Nominal GDP 2024, USD East African Countries Analysis North Africa GDP ~ $ 946 Real GDP G.R (%) – 3.6 Real GDP Estimate Real GDP Growth Population 2025, Population Growth, Population (m) – 256 2025, USD Estimate, 2025 % Million 2023 - 202
Slide 10: Kenya 2025 | Economic Rebound, Stabilized Inflation
KENYA 2025 | ECONOMIC REBOUND, STABILIZED INFLATION, CURRENCY STRENGTHENING AND MONETARY POLICY EASING GDP GROWTH USD-KES EXCHANGE RATE TREND PRIVATE SECTOR CREDIT GROWTH NPL 7.50% 156.50 16.5% 15.50% 5.60% 4.80% 4.70% 4.90% 129.36 129.01 123.37 6.40% 113.6 -1.1% 2021 2022 2023 2024 2025 (E) Oct-24
Slide 11: Strategy Execution Reflections
Strategy Execution Reflections Our Strategy
Slide 12: Who We Are: Stanbic Holdings Plc
WHO WE ARE STANBIC HOLDINGS PLC BANKING ENTITIES NON-BANKING ENTITIES Our Purpose Kenya / South Sudan is our home; we drive her growth. SBG Securities Ltd Stanbic Bank Kenya Ltd Stanbic Bancassurance Intermediary Ltd Stanbic Bank (South Sudan Branch) Stanbic Kenya Foundation Ltd Our Vision CUSTOMERS
Slide 13: Our Strategy (2024 - 2026)
OUR STRATEGY (2024 - 2026) Strategic priorities Transform Client Execute With Drive Sustainable Experience Excellence Growth and Value Outcomes 14 - 16% +50 41 - 43% <9% 23 - 25% REVENUE GROWTH CAGR NPS SCORE COST-TO-INCOME RATIO NPL RATIO RETURN ON EQUITY Success Pillars CLIENT FOCUS + EMPLOYEE ENG
Slide 14: Market Opportunities in 2025
MARKET | OPPORTUNITIES IN 2025 Affordable Housing • Financing Privatization Opportunities • Value chain investing • Advisory and valuation Liability Management Diaspora Remittance • Debt restructure and payment • Growing diaspora communities MARKET OPPORTUNITIES Energy and Petroleum Public Private P
Slide 15: Executing Our Strategy | Transforming Client Experience
EXECUTING OUR STRATEGY | TRANSFORMING CLIENT EXPERIENCE ACHIEVEMENTS Client Focus Employee Engagement Ignite Stanbic Culture Liquidity Leadership Enterprise Refresh Management Training Support Rolled out a new habit 82 Female leaders Successfully facilitated 7,554 New SME Clients framework graduated
Slide 16: Executing Our Strategy | Execute With Excellence
EXECUTING OUR STRATEGY | EXECUTE WITH EXCELLENCE ACHIEVEMENTS Risk and Operational Conduct Excellence 24/7 Service AI & Robotics Non-Performing Credit Loss Capability Loan Ratio Ratio (CLR) (NPL Ratio) 21 AI bots across multiple Full-spectrum, always-on business functions service capabilities for St
Slide 17: Executing Our Strategy | Drive Sustainable Growth and Value
EXECUTING OUR STRATEGY | DRIVE SUSTAINABLE GROWTH AND VALUE ACHIEVEMENTS Financial Infrastructure Financial Climate Change Business Development Health & Growth & Job Health & & Mitigation & CSI Inclusion Creation Inclusion D.A.D.A Agric Sector Sustainable Trees Planted Finance Over KES 49.5Bn disbur
Slide 18: Accolades 2025
ACCOLADES Think Business Banking Awards 2025: Best Bank in Mortgage Financing • 2nd Runners up Best Bank to borrow from • 2nd Runners up Best Private Bank in Kenya by Global Finance Best Investment Bank in Kenya by Euromoney Institute of Customer Experience 2025 Service Excellence Awards: Best CS We
Slide 19: Financial Outcomes
03 Financial Outcomes Dennis Musau Chief Financial and Value Officer
Slide 20: Reflection | Structural Transformation of Macroeconomic Drivers
REFLECTION | STRUCTURAL TRANSFORMATION OF MACROECONOMIC DRIVERS AND DIMINISHING TAILWINDS Source: CBK
Slide 21: Fortifying the Foundation | Balance Sheet Response
FORTIFYING THE FOUNDATION | BALANCE SHEET RESPONSE TO SHIFTING MACROECONOMIC DYNAMICS TOTAL ASSETS CUSTOMER LOANS ASSETS UNDER CUSTODY ASSETS UNDER MANAGEMENT 10.6% 5.0% 24.0% 19% 19% >100% 34% 541.3 272.9 260.5 5.3 824 459.3 454.8 235.8 230.2 399.8 613 489 433 2.5 - - 2022 2023 2024 2025 2022 2023
Slide 22: Liability and Funding | Balanced Funding Profile
LIABILITY AND FUNDING | BALANCED FUNDING PROFILE TO DRIVE GROWTH TOTAL LIABILITIES CUSTOMER DEPOSITS TOTAL CAPITAL FUNDING 11.0% 11.2% 17% 18.4% 16% 15% 17% 15% 22% 17.4% 373.9 16.8% 16.6% 461.1 5% 6% 5% 7% 2% 3% 3% 2% 6% 7% 321.2 8% 5% 318.1 390.7 379.4 337.6 271.6 70% 70% 71% 68% 2022 2023 2024 20
Slide 23: Key Performance Drivers
KEY PERFOMANCE DRIVERS 52% 26% 55% Insurance Vehicle Asset FX Transactions Penetration into Finance Volumes Our Client Base Disbursements SME Transaction 90-day Digitally Core Active Volumes Active Customers Customers 22% 74% 17%
Slide 24: Our Balance Sheet | Highlights
OUR BALANCE SHEET | HIGHLIGHTS FY 2025 FY 2024 % Change Highlights Assets Investments in short term liquid assets awaiting deployment Financial investments 108.1 99.2 9.0% Interbank placements for short term liquidity requirements Loans and advances to banks 123.7 89.2 38.8% Increased credit demand
Slide 25: Summary Statement of Profit and Loss
SUMMARY STATEMENT OF PROFIT AND LOSS FY 2025 FY 2024 % Change Impact of 225bps CBR cuts moderated by funding cost management Net interest income 24.1 24.3 (1.0%) Impact of >200% drop in FX margins partly offset by 52% growth Non-interest revenue 14.4 15.4 (6.4%) volumes and higher transaction fees T
Slide 26: Key Performance Ratios
KEY PERFOMANCE RATIOS NET INTEREST MARGIN (NIM) COST TO INCOME (CTI) CREDIT LOSS RATIO (CLR) 46.7% 2.4% 46.2% 2.2% 6.0% 5.7% 5.6% 44.4% 43.5% 1.2% 5.2% 0.6% 2022 2023 2024 2025 2022 2023 2024 2025 2022 2023 2024 2025 EARNINGS PER SHARE (EPS) RETURN ON EQUITY (ROE) DIVIDEND PER SHARE (DPS) 34.7 34.7
Slide 27: Credit Discipline | Sustaining Portfolio Quality
CREDIT DISCIPLINE | SUSTAINING PORTFOLIO QUALITY AMIDST MACRO-ECONOMIC VOLATILITY NPLs and CLR Risk Profile of the Loan book 13.3% 14.8% 16.4% 15.50% 11.1% 9.5% 9.1% 8.0% 11.1% 4.8% 9.5% 9.1% 7.2% 9.6% 8.5% 8.0% 2.2% 2.4% 1.2% 0.6% 2022 2023 2024 2025 CLR NPL Industry NPLs 87.2% 81.8% 80.9% 82.4% 22
Slide 28: Financial Outcomes | Subsidiaries/Branch Contribution
FINANCIAL OUTCOMES | SUBSIDIARIES/BRANCH CONTRIBUTION STANBIC BANK STANBIC BANK KENYA (SOUTH SUDAN BRANCH LIMITED OPERATIONS) FY 2025 Growth YoY FY 2025 Growth YoY PAT Kes 13,278m (1%) PAT Kes 233m 32% STANBIC HOLDINGS PLC PAT: 13,718m YOY GROWTH: (0%) STANBIC SBG SECURITIES BANCASSURANCE LIMITED IN
Slide 29: Key Focus Areas and Risks in 2026
KEY FOCUS AREAS AND RISKS IN 2026 Key focus areas Global & Regional Macro Pressures Factors Accelerate Growth & Scale Fiscal Pressures Impact of Middle East FX Trading Weakness Conflict Regulatory Tightening Deliver Top-Notch Client Global Trade Shocks Experience Changing regulatory Environment Comm
Slide 30: Lake Naivasha, Great Rift Valley, Kenya
Lake Naivasha, Great Rift Valley, Kenya. STANBIC HOLONGS PLC FINANCIAL RESULTS PRESENTATION.
Slide 31: Thank You
THANK YOU KENYA AND SOUTH SUDAN IS OUR HOME, WE DRIVE HER GROWTH