Standard Bank PLC (MAL:STANDARD)
Malawi flag Malawi · Delayed Price · Currency is MWK
3,995.89
-0.02 (-0.00%)
At close: Jul 30, 2026

Standard Bank Financials Overview

Millions MWK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
329,702329,702230,018185,313120,86387,463
Revenue Growth
25.41%43.34%24.12%53.33%38.19%16.33%
Net Income
121,698121,69886,36552,52039,20224,769
Earnings Per Share
103.75103.7573.6344.7033.5121.17
EPS Growth
31.95%40.91%64.72%33.40%58.27%4.32%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate & Investment Banking (CIB)
205,925205,925135,322115,40671,80650,569
Treasury and Capital Management (TCM)
6,0856,0856,5925,5203,7601,134
Business & Commercial Banking (BCB)
43,87343,87335,69427,18123,129-
Personal & Private Banking (PPB)
78,02978,02959,69841,40326,410-
Unallocated Interest Expense
---30-28-5-17
Interdepartmental Funding Income
-4,223-4,223-7,260-6,932-5,943944
Unallocated Other (Expense)/Income
131322,7631,70685
Total
329,702329,702230,018185,313120,86387,463

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
88,38988,38972,56451,90221,72438,388
Total Debt
37,60337,60335,23325,70023,89014,487
Net Cash (Debt)
50,78650,78637,33126,202-2,16623,901
Net Cash Growth
-82.78%36.04%42.47%--113.76%
Net Cash Per Share
43.3043.3031.8322.30-1.8520.43

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-260,738-260,738-106,329-2,031-111,240-97,699
Capital Expenditures
-5,545-5,545-5,578-7,771-3,593-1,951
Free Cash Flow
-266,283-266,283-111,907-9,802-114,833-99,650
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
36.91%36.91%37.55%28.34%32.44%28.32%
FCF Margin
-80.77%-80.77%-48.65%-5.29%-95.01%-113.93%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
32.386-32.38021.64817.0467.414
Dividend Per Share Growth
-3.50%-49.58%27.00%129.92%-17.14%
Dividend Yield
0.81%-2.55%2.87%4.60%2.91%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
38.5141.0217.5717.6011.9413.23
PS Ratio
14.2215.146.604.993.873.75