Standard Bank Income Statement

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

Millions MWK. 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
Interest Income on Loans	221,621	185,245	132,384	85,297	59,264	46,309
Interest Paid on Deposits	11,466	9,171	9,549	8,645	7,807	5,096
Net Interest Income	210,155	176,074	122,835	76,652	51,457	41,213
Net Interest Income Growth (YoY)	42.82%	43.34%	60.25%	48.96%	24.86%	6.01%
Income From Trading Activities	48,306	48,306	52,914	31,227	23,206	12,559
Other Non-Interest Income	36,447	29,196	24,672	20,106	16,985	23,035
Total Non-Interest Income	84,753	77,502	77,586	51,333	40,191	35,594
Non-Interest Income Growth (YoY)	12.70%	-0.11%	51.14%	27.72%	12.91%	61.94%
Revenues Before Loan Losses	294,908	253,576	200,421	127,985	91,648	76,807
Provision for Loan Losses	31,999	23,558	15,108	7,122	4,185	1,622
Revenue	262,909	230,018	185,313	120,863	87,463	75,185
Revenue Growth (YoY)	25.01%	24.12%	53.33%	38.19%	16.33%	27.47%
Salaries and Employee Benefits	37,132	37,132	32,031	23,332	18,196	16,002
Occupancy Expenses	6,083	6,083	5,362	4,305	4,406	4,273
Selling, General & Administrative	2,809	2,809	2,008	1,634	1,513	880
Other Non-Interest Expense	65,490	47,646	40,213	31,536	23,224	18,238
Total Non-Interest Expense	111,196	93,475	79,565	60,807	47,339	39,393
EBT Excluding Unusual Items	151,713	136,543	105,748	60,056	40,124	35,792
Asset Writedown	-88	-88	-	-	-	-
Pretax Income	151,625	136,455	105,748	60,056	40,124	35,792
Income Tax Expense	59,240	50,090	53,228	20,854	15,355	12,049
Net Income	92,385	86,365	52,520	39,202	24,769	23,743
Net Income to Common	92,385	86,365	52,520	39,202	24,769	23,743
Net Income Growth	35.92%	64.44%	33.97%	58.27%	4.32%	49.53%
Basic Shares Outstanding	235	235	235	234	234	234
Diluted Shares Outstanding	235	235	235	234	234	234
Shares Change (YoY)	-0.21%	-	0.43%	-	-	-
EPS (Basic)	393.13	367.51	223.49	167.53	105.85	101.47
EPS (Diluted)	393.13	367.51	223.49	167.53	105.85	101.47
EPS Growth	36.20%	64.44%	33.40%	58.27%	4.32%	49.53%
Dividend Per Share	161.930	161.930	108.240	85.230	37.070	44.740
Dividend Growth	86.28%	49.60%	27.00%	129.92%	-17.14%	47.85%
Effective Tax Rate	39.07%	36.71%	50.33%	34.72%	38.27%	33.66%

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