Standard Bank Group Limited (JSE:SBK)

Standard Bank Group Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	207,985	193,290	134,875	100,753	108,673
Interest Income on Investments	-	3,379	2,967	2,105	-	-
Total Interest Income	-	211,364	196,257	136,980	100,753	108,673
Interest Paid on Deposits	-	106,732	95,102	56,484	36,776	45,600
Net Interest Income	105,679	104,632	101,155	80,496	63,977	63,073
Net Interest Income Growth (YoY)	1.07%	3.44%	25.66%	25.82%	1.43%	-2.72%
Trust Income	1,408	-	-	-	2,210	3,271
Income From Trading Activities	21,159	21,159	20,617	17,046	14,842	13,874
Gain (Loss) on Sale of Assets	64	-35	63	-11	-84	500
Gain (Loss) on Sale of Investments	29,805	29,791	23,656	2,203	9	2,769
Other Non-Interest Income	29,851	25,890	32,126	48,298	51,792	47,926
Total Non-Interest Income	82,287	76,805	76,462	67,536	68,769	68,340
Non-Interest Income Growth (YoY)	12.36%	0.45%	13.22%	-1.79%	0.63%	2.93%
Revenues Before Loan Losses	187,966	181,437	177,617	148,032	132,746	131,413
Provision for Loan Losses	15,307	15,152	16,261	13,343	9,873	20,594
Revenue	172,659	166,285	161,356	134,689	122,873	110,819
Revenue Growth (YoY)	5.96%	3.06%	19.80%	9.62%	10.88%	-10.10%
Selling, General & Administrative	6,360	6,196	5,406	2,638	3,964	3,820
Other Non-Interest Expense	96,097	93,163	92,693	83,893	79,562	79,592
Total Non-Interest Expense	100,811	97,875	96,451	84,266	84,359	84,084
EBT Excluding Unusual Items	71,848	68,410	64,905	50,423	38,514	26,735
Asset Writedown	-150	-700	1,463	334	-292	-8,582
Pretax Income	71,698	67,704	66,368	50,757	38,208	18,153
Income Tax Expense	18,896	17,520	16,065	11,717	10,149	3,640
Earnings From Continuing Operations	52,802	50,184	50,303	39,040	28,059	14,513
Minority Interest in Earnings	-4,656	-4,366	-4,330	-3,798	-2,369	-1,352
Net Income	48,146	45,818	45,973	35,242	25,690	13,161
Preferred Dividends & Other Adjustments	2,079	2,091	1,762	999	825	803
Net Income to Common	46,067	43,727	44,211	34,243	24,865	12,358
Net Income Growth	5.13%	-0.34%	30.45%	37.18%	95.20%	-49.99%
Basic Shares Outstanding	1,641	1,654	1,658	1,651	1,591	1,590
Diluted Shares Outstanding	1,659	1,670	1,678	1,663	1,599	1,595
Shares Change (YoY)	-1.02%	-0.45%	0.89%	4.01%	0.24%	-0.64%
EPS (Basic)	28.07	26.44	26.67	20.74	15.63	7.77
EPS (Diluted)	27.77	26.18	26.35	20.59	15.55	7.75
EPS Growth	6.33%	-0.65%	27.98%	32.40%	100.66%	-51.10%
Dividend Per Share	15.800	15.070	14.230	12.060	8.710	2.400
Dividend Growth	6.97%	5.90%	17.99%	38.46%	262.92%	-75.85%
Effective Tax Rate	26.36%	25.88%	24.21%	23.09%	26.56%	20.05%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.