Standard Bank Group Balance Sheet

Financials in millions ZAR. Fiscal year is January - December.

Millions ZAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	144,518	46,348	46,537	38,512	30,130	31,039
Investment Securities	924,301	1,021,655	848,801	813,830	785,681	697,765
Trading Asset Securities	525,112	320,454	308,185	295,020	287,437	330,172
Total Investments	1,449,413	1,342,109	1,156,986	1,108,850	1,073,118	1,027,937
Gross Loans	1,729,782	1,716,555	1,672,841	1,560,768	1,475,726	1,337,372
Allowance for Loan Losses	-69,006	-65,000	-63,995	-55,828	-51,398	-49,986
Other Adjustments to Gross Loans	-	-	-	-	-	-16,131
Net Loans	1,660,776	1,651,555	1,608,846	1,504,940	1,424,328	1,271,255
Property, Plant & Equipment	20,298	20,261	20,298	20,340	20,619	20,702
Goodwill	-	1,656	1,609	2,231	2,282	2,207
Other Intangible Assets	10,408	9,630	11,114	12,889	14,631	16,055
Investments in Real Estate	26,542	26,489	30,444	29,289	29,985	29,917
Other Receivables	10,776	1,690	1,916	1,415	3,222	4,519
Restricted Cash	-	89,824	91,250	75,971	61,039	56,466
Other Current Assets	15,598	22,371	21,307	18,912	17,358	17,718
Long-Term Deferred Tax Assets	-	9,583	9,001	8,828	6,903	6,621
Other Real Estate Owned & Foreclosed	-	179	493	567	113	103
Other Long-Term Assets	73,852	47,213	45,384	59,084	41,309	47,617
Total Assets	3,412,181	3,269,378	3,045,705	2,882,397	2,725,817	2,532,940
Accounts Payable	-	7,727	6,341	-	-	-
Accrued Expenses	-	20,673	20,224	16,840	28,538	23,525
Interest Bearing Deposits	2,236,402	1,203,644	1,139,792	1,035,499	964,707	910,453
Non-Interest Bearing Deposits	-	935,212	861,854	853,600	811,908	713,591
Total Deposits	2,236,402	2,138,856	2,001,646	1,889,099	1,776,615	1,624,044
Short-Term Borrowings	70,306	76,663	83,333	85,049	67,259	111,577
Current Portion of Long-Term Debt	-	8,220	10,580	6,488	2,139	2,227
Current Income Taxes Payable	13,640	9,191	8,063	7,842	7,557	5,417
Other Current Liabilities	120,761	261,671	225,622	361,242	209,499	193,339
Long-Term Debt	31,059	26,563	21,647	25,256	28,291	27,079
Long-Term Leases	-	3,872	3,714	3,873	4,330	4,929
Long-Term Unearned Revenue	-	233	242	249	371	345
Pension & Post-Retirement Benefits	-	1,082	1,077	1,081	1,073	1,102
Long-Term Deferred Tax Liabilities	-	3,368	2,030	1,824	2,720	2,885
Other Long-Term Liabilities	637,156	418,603	384,266	224,688	354,576	321,199
Total Liabilities	3,109,324	2,976,722	2,768,785	2,623,531	2,482,968	2,317,668
Preferred Stock, Non-Redeemable	5,503	9	9	9	9	9
Preferred Stock, Other	-	5,494	5,494	5,494	5,494	5,494
Total Preferred Equity	5,503	5,503	5,503	5,503	5,503	5,503
Common Stock	20,209	166	168	168	162	162
Additional Paid-In Capital	-	23,043	26,938	27,341	17,859	17,854
Retained Earnings	239,985	237,626	218,639	196,735	184,446	168,258
Treasury Stock	-5,017	-3,583	-2,982	-3,461	-3,199	-2,745
Comprehensive Income & Other	23,487	11,625	12,346	11,578	10,113	-133
Total Common Equity	278,664	268,877	255,109	232,361	209,381	183,396
Minority Interest	18,690	18,276	16,308	21,002	27,965	26,373
Shareholders' Equity	302,857	292,656	276,920	258,866	242,849	215,272
Total Liabilities & Equity	3,412,181	3,269,378	3,045,705	2,882,397	2,725,817	2,532,940
Total Debt	101,365	115,318	119,274	120,666	102,019	145,812
Net Cash (Debt)	568,265	417,947	315,417	294,246	269,249	256,368
Net Cash Growth	33.68%	32.51%	7.20%	9.28%	5.02%	21.10%
Net Cash Per Share	342.51	250.22	187.99	176.93	168.39	160.71
Filing Date Shares Outstanding	1,619	1,640	1,657	1,648	1,592	1,593
Total Common Shares Outstanding	1,619	1,640	1,657	1,648	1,592	1,593
Book Value Per Share	172.13	163.92	153.95	140.96	131.56	115.13
Tangible Book Value	268,256	257,591	242,386	217,241	192,468	165,134
Tangible Book Value Per Share	165.70	157.04	146.27	131.79	120.93	103.67

Source: S&P Global Market Intelligence. Banks template. Financial Sources.