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: Business & Commercial Banking
\S) Standard Bank BUSINESS __ & COMMERCIAL BANKING —< BILL BLACKIE CHIEF EXECUTIVE BUSINESS & COMMERCIAL BANKING
Slide 2: BCB today, Opportunities, Strategic focus areas, Targets, Key takeaways
01 02 03 04 05 BCB TODAY OPPORTUNITIES STRATEGIC TARGETS KEY TAKEAWAYS FOCUS AREAS STANDARD BANK CAPITAL MARKETS DAY | MARCH 2026 2
Slide 3: Transaction-led franchise, driving sustainable, high-quality revenues and returns
BCB today Opportunities Strategic focus areas Targets Key takeaways Transaction-led franchise, driving sustainable, high-quality revenues and returns Resilient, high-quality earnings anchored Total Revenue Borrow in diversified transactional strength % 29% Largest SA business banking franchise by wi
Slide 4: Consistent execution has doubled earnings and returns since 2020
BCB today Opportunities Strategic focus areas Targets Key takeaways Consistent execution has doubled earnings and returns since 2020 Drivers of improved performance BCB Headline Earnings Rbn Deposits Safeguarding our client funds and ROE 19.4% 38.1% R514bn enabling transactional flows expanding NIM
Slide 5: Servicing two high-growth segments with different complexity and servicing demands
BCB today Opportunities Strategic focus areas Targets Key takeaways Servicing two high-growth segments with different complexity and servicing demands PPB is a pipeline for Enterprise Enterprise is a pipeline for migration into Mid-tier Mid-tier is a pipeline for CIB Enterprise Mid-tier Categories R
Slide 6: Current market dynamics introduce opportunity, while addressable revenue pools provide growth headroom in Africa
BCB today Opportunities Strategic focus areas Targets Key takeaways Current market dynamics introduce opportunity, while significant addressable revenue pools provide growth headroom in Africa BCB Africa revenue pool opportunity1 Market themes R100bn R150bn R250bn 15% Africa’s rapid economic growth
Slide 7: BCB 2028 | Four clear strategic focus areas to deliver our priorities
BCB today Opportunities Strategic focus areas Targets Key takeaways BCB 2028 | Four clear strategic focus areas to deliver our priorities Strategic focus areas Ambition Enhance client experience 1 through competitive offerings suited to the local environment and client-specific needs Defend our lead
Slide 8: Enhance client experience | Strengthening our transactional franchise
BCB today Opportunities Strategic focus areas 1 2 3 4 Targets Key takeaways Enhance client experience | Strengthening our transactional franchise through digitisation, capability and simplicity Digitisation Collections Client Channels Improved merchant offering Effective digital channels Digitised c
Slide 9: Connect clients | Differentiated offering for expansion across and beyond Africa
BCB today Opportunities Strategic focus areas 1 2 3 4 Targets Key takeaways Connect clients | Providing a differentiated offering for clients seeking expansion opportunities across and beyond Africa 1 International Flows 2 Offshore Offering 3 Structured Connections • Access to competitively-priced h
Slide 10: Connect clients | Delivering tangible client outcomes through structured connectivity
BCB today Opportunities Strategic focus areas 1 2 3 4 Targets Key takeaways Connect clients | Delivering tangible client outcomes through structured connectivity opportunities We organise a broad range of networking events across Africa… … and provide unrivalled access to the Chinese market >60 Clie
Slide 11: Fuel client growth | Disciplined lending growth supported by improved risk analytics
BCB today Opportunities Strategic focus areas 1 2 3 4 Targets Key takeaways Fuel client growth | Disciplined lending growth supported by improved risk analytics and enhanced processes Successfully reduced the 2028 Priorities risk profile of our book Diversify risk profile through deliberate and resp
Slide 12: Digitise & simplify | Driving operational leverage through technology
BCB today Opportunities Strategic focus areas 1 2 3 4 Targets Key takeaways Digitise & simplify | Driving operational leverage through technology and platform simplification Invest… …to enhance client experience Targeted investment in technology, Leverage AI for the 2028 outcomes people & infrastruc
Slide 13: A durable earnings model capable of sustaining >35% RoE
BCB today Opportunities Strategic focus areas Targets Key takeaways A durable earnings model capable of sustaining >35% RoE ROE BCB 2028 Targets 38% 35% - 40% Revenue growth 7% – 9% CAGR Cost-to-income ratio ~55% 2025 Endowment Enhance client Fuel Digitise 2028 ROE target range experience client & &
Slide 14: Key takeaways
Key takeaways Strong SA Mid-tier position, with growing Enterprise franchise 1 Strong deposit core and recurring transaction franchise underpin earnings quality Favourable market opportunities 2 Significant revenue pools across presence markets with attractive upside in the East and West regions Dri
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: Bill Blackie
BILL BLACKIE Chief Executive | Business & Commercial Banking Standard Bank Group QUALIFICATIONS: B.Com (Rhodes University), LLB (Rhodes University), MBA (UCT), AMP (INSEAD), Digital Savvy Board Program (Massachusetts Institute of Technology), Program in Sustainable Finance and Climate (Change SOAS U
Slide 17: Slide 17