Standard Bank Group Balance Sheet

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
Cash & Equivalents	45,646	46,348	46,537	38,512	30,130
Investment Securities	1,138,584	1,021,655	848,801	813,830	785,681
Trading Asset Securities	440,583	320,326	308,185	295,020	287,437
Total Investments	1,579,167	1,341,981	1,156,986	1,108,850	1,073,118
Gross Loans	1,791,170	1,716,555	1,672,841	1,560,768	1,475,726
Allowance for Loan Losses	-65,474	-65,000	-63,995	-55,828	-51,398
Net Loans	1,725,696	1,651,555	1,608,846	1,504,940	1,424,328
Property, Plant & Equipment	21,059	20,261	20,298	20,340	20,619
Goodwill	1,511	1,656	1,609	2,231	2,282
Other Intangible Assets	8,063	9,630	11,114	12,889	14,631
Investments in Real Estate	27,491	26,489	30,444	29,289	29,985
Other Receivables	1,907	1,690	1,916	1,415	3,222
Restricted Cash	104,819	89,824	91,250	75,971	61,039
Other Current Assets	25,460	22,371	21,307	18,912	17,358
Long-Term Deferred Tax Assets	8,943	9,583	9,001	8,828	6,903
Other Real Estate Owned & Foreclosed	152	179	493	567	113
Other Long-Term Assets	70,497	47,213	45,384	59,084	41,309
Total Assets	3,620,854	3,269,250	3,045,705	2,882,397	2,725,817
Accounts Payable	14,696	7,727	6,341	-	-
Accrued Expenses	15,739	20,673	20,224	16,840	28,538
Interest Bearing Deposits	1,371,568	1,207,101	1,139,792	1,035,499	964,707
Non-Interest Bearing Deposits	993,907	935,212	861,854	853,600	811,908
Total Deposits	2,365,475	2,142,313	2,001,646	1,889,099	1,776,615
Short-Term Borrowings	83,064	72,122	83,333	85,049	67,259
Current Portion of Long-Term Debt	4,884	8,220	10,580	6,488	2,139
Current Income Taxes Payable	11,881	9,191	8,063	7,842	7,557
Other Current Liabilities	291,041	262,627	225,622	361,242	209,499
Long-Term Debt	30,784	26,563	21,647	25,256	28,291
Long-Term Leases	3,287	3,872	3,714	3,873	4,330
Long-Term Unearned Revenue	227	233	242	249	371
Pension & Post-Retirement Benefits	1,171	1,082	1,077	1,081	1,073
Long-Term Deferred Tax Liabilities	4,914	3,368	2,030	1,824	2,720
Other Long-Term Liabilities	481,275	418,603	384,266	224,688	354,576
Total Liabilities	3,308,438	2,976,594	2,768,785	2,623,531	2,482,968
Preferred Stock, Non-Redeemable	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
Common Stock	165	166	168	168	162
Additional Paid-In Capital	20,108	23,043	26,938	27,341	17,859
Retained Earnings	260,242	237,626	218,639	196,735	184,446
Treasury Stock	-4,582	-3,583	-2,982	-3,461	-3,199
Comprehensive Income & Other	10,589	11,625	12,346	11,578	10,113
Total Common Equity	286,522	268,877	255,109	232,361	209,381
Minority Interest	20,391	18,276	16,308	21,002	27,965
Shareholders' Equity	312,416	292,656	276,920	258,866	242,849
Total Liabilities & Equity	3,620,854	3,269,250	3,045,705	2,882,397	2,725,817
Total Debt	122,019	110,777	119,274	120,666	102,019
Net Cash (Debt)	526,048	422,360	315,417	294,246	269,249
Net Cash Growth	24.55%	33.91%	7.20%	9.28%	5.02%
Net Cash Per Share	320.09	252.86	187.99	176.93	168.39
Filing Date Shares Outstanding	1,623	1,640	1,657	1,648	1,592
Total Common Shares Outstanding	1,623	1,640	1,657	1,648	1,592
Book Value Per Share	176.55	163.92	153.95	140.96	131.56
Tangible Book Value	276,948	257,591	242,386	217,241	192,468
Tangible Book Value Per Share	170.65	157.04	146.27	131.79	120.93