Standard Bank Group Income Statement

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

Millions ZAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	206,107	207,985	193,290	134,875	100,753
Interest Income on Investments	4,866	3,379	2,967	2,105	-
Total Interest Income	210,973	211,364	196,257	136,980	100,753
Interest Paid on Deposits	100,373	106,732	95,102	56,484	36,776
Net Interest Income	110,600	104,632	101,155	80,496	63,977
Net Interest Income Growth (YoY)	5.70%	3.44%	25.66%	25.82%	1.43%
Trust Income	-	-	-	-	2,210
Income From Trading Activities	23,222	21,159	20,617	17,046	14,842
Gain (Loss) on Sale of Assets	59	-35	63	-11	-84
Gain (Loss) on Sale of Investments	46,492	29,791	23,656	2,203	9
Other Non-Interest Income	14,379	25,890	32,126	48,298	51,792
Total Non-Interest Income	84,152	76,805	76,462	67,536	68,769
Non-Interest Income Growth (YoY)	9.57%	0.45%	13.22%	-1.79%	0.63%
Revenues Before Loan Losses	194,752	181,437	177,617	148,032	132,746
Provision for Loan Losses	14,321	15,152	16,261	13,343	9,873
Revenue	180,431	166,285	161,356	134,689	122,873
Revenue Growth (YoY)	8.51%	3.06%	19.80%	9.62%	10.88%
Selling, General & Administrative	5,750	6,196	5,406	2,638	3,964
Other Non-Interest Expense	98,204	93,163	92,693	83,893	79,562
Total Non-Interest Expense	101,734	97,875	96,451	84,266	84,359
EBT Excluding Unusual Items	78,697	68,410	64,905	50,423	38,514
Asset Writedown	-144	-700	1,463	334	-292
Pretax Income	78,553	67,704	66,368	50,757	38,208
Income Tax Expense	21,887	17,520	16,065	11,717	10,149
Earnings From Continuing Operations	56,666	50,184	50,303	39,040	28,059
Minority Interest in Earnings	-5,451	-4,366	-4,330	-3,798	-2,369
Net Income	51,215	45,818	45,973	35,242	25,690
Preferred Dividends & Other Adjustments	2,115	2,091	1,762	999	825
Net Income to Common	49,100	43,727	44,211	34,243	24,865
Net Income Growth	11.78%	-0.34%	30.45%	37.18%	95.20%
Basic Shares Outstanding	1,626	1,654	1,658	1,651	1,591
Diluted Shares Outstanding	1,643	1,670	1,678	1,663	1,599
Shares Change (YoY)	-1.61%	-0.45%	0.89%	4.01%	0.24%
EPS (Basic)	30.19	26.44	26.67	20.74	15.63
EPS (Diluted)	29.88	26.18	26.35	20.59	15.55
EPS Growth	14.12%	-0.65%	27.98%	32.40%	100.66%
Dividend Per Share	16.950	15.070	14.230	12.060	8.710
Dividend Growth	12.47%	5.90%	17.99%	38.46%	262.92%
Effective Tax Rate	27.86%	25.88%	24.21%	23.09%	26.56%

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