Standard Bank Group Ratios and Metrics

Market cap in millions ZAR. Fiscal year is January - December.

Millions ZAR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 13, 2026	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
Market Capitalization	479,336	470,125	366,423	345,043	276,597	222,440
Market Cap Growth	31.47%	28.30%	6.20%	24.75%	24.35%	10.01%
Last Close Price	295.36	290.40	207.12	180.76	134.97	105.74
PE Ratio	9.89	9.57	8.38	7.80	8.08	8.95
PS Ratio	2.66	2.61	2.20	2.14	2.05	1.81
PB Ratio	1.53	1.51	1.25	1.25	1.07	0.92
Debt / Equity Ratio	0.39	0.39	0.38	0.43	0.47	0.42
Net Debt / Equity Ratio	-1.68	-1.68	-1.44	-1.14	-1.14	-1.11
Net Debt / FCF Ratio	2.28	2.28	3.56	3.99	3.81	3.69
Return on Equity (ROE)	18.73%	18.73%	17.62%	18.78%	15.56%	12.25%
Return on Assets (ROA)	1.65%	1.65%	1.59%	1.70%	1.39%	1.07%
Earnings Yield	10.24%	10.89%	12.50%	13.32%	12.74%	11.55%
FCF Yield	-48.11%	-49.05%	-32.35%	-22.91%	-27.96%	-32.78%
Dividend Yield	5.95%	5.84%	7.28%	7.87%	8.94%	8.24%
Payout Ratio	60.52%	60.52%	63.14%	60.67%	61.28%	46.99%
Buyback Yield / Dilution	1.61%	1.61%	0.45%	-0.89%	-4.01%	-0.24%
Total Shareholder Return	7.57%	7.45%	7.72%	6.98%	4.92%	8.00%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.