Overview & Identity

Full name: Standard Bank Group Limited

Founded in 1862

Headquarters: Johannesburg, South Africa

Nature of business: An integrated financial services group, primarily focused on Africa, offering banking, wealth management, insurance, and investment services

Scale & Geographic Footprint

Presence in about 20 countries across sub-Saharan Africa

Global centres and offshore hubs outside Africa

Financials & Clients (as of mid-2025)

Over 19 million clients

More than 50,000 employees

Around 1,180 branches and 5,500 ATMs across Africa

Key Balance Sheet & Income Figures

Gross loans & advances: ZAR 1,661 bn (up from ZAR 1,617 bn the year before)

Total assets: ZAR 3,412 bn (up from ZAR 3,086 bn)

Deposits: ZAR 2,236 bn (up from ZAR 2,018 bn)

Shareholders’ equity: ZAR 256 bn (up from ZAR 241 bn)

Profitability & Capital

Return on equity: about 19%

Common Equity Tier 1 (CET1) capital ratio: around 13%

Credit loss ratio: just under 1%

Strategy & Position

Describes itself as client-led and digitally enabled

Strong focus on sustainable development, inclusive growth, and ESG principles

Provides integrated solutions across personal & business banking, corporate & investment banking, wealth management, and insurance

Leadership & Key Developments

CEO: Sim Tshabalala

Both the CEO and CFO are expected to retire by the end of 2027

Recent performance driven by growth in fee and trading revenue, alongside steady banking income

Challenges & Market Environment

Loan growth is modest due to interest rate pressures and consumer affordability challenges

Credit risk remains well-managed, though inflation, exchange rate volatility, and other macroeconomic pressures are ongoing concerns