Standard Bank PLC (MAL:STANDARD)
Malawi flag Malawi · Delayed Price · Currency is MWK
3,989.94
-0.02 (-0.00%)
At close: Aug 19, 2026

Standard Bank Financials Overview

Millions MWK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
357,300329,702230,018185,313120,86387,463
Revenue Growth
8.37%43.34%24.12%53.33%38.19%16.33%
Net Income
140,775121,69886,36552,52039,20224,769
Earnings Per Share
120.01103.7573.6344.7033.5121.17
EPS Growth
15.68%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 EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
337,64988,38972,56451,90221,72438,388
Total Debt
46137,60335,23325,70023,89014,487
Net Cash (Debt)
337,18850,78637,33126,202-2,16623,901
Net Cash Growth
563.94%36.04%42.47%--113.76%
Net Cash Per Share
287.4643.3031.8322.30-1.8520.43

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-211,782-260,738-106,329-2,031-111,240-97,699
Capital Expenditures
-6,717-5,545-5,578-7,771-3,593-1,951
Free Cash Flow
-218,499-266,283-111,907-9,802-114,833-99,650
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
39.40%36.91%37.55%28.34%32.44%28.32%
FCF Margin
-61.15%-80.77%-48.65%-5.29%-95.01%-113.93%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
-8.29%-49.58%27.00%129.92%-17.14%
Dividend Yield
0.81%-2.56%2.88%4.61%2.92%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
33.2541.0217.5717.6011.9413.23
PS Ratio
13.1015.146.604.993.873.75