Standard Bank Income Statement

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

Millions MWK. 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
Interest Income on Loans	273,097	185,245	132,384	85,297	59,264
Interest Paid on Deposits	13,952	9,171	9,549	8,645	7,807
Net Interest Income	259,145	176,074	122,835	76,652	51,457
Net Interest Income Growth (YoY)	47.18%	43.34%	60.25%	48.96%	24.86%
Income From Trading Activities	59,602	48,306	52,914	31,227	23,206
Other Non-Interest Income	34,011	29,196	24,672	20,106	16,985
Total Non-Interest Income	93,613	77,502	77,586	51,333	40,191
Non-Interest Income Growth (YoY)	20.79%	-0.11%	51.14%	27.72%	12.91%
Revenues Before Loan Losses	352,758	253,576	200,421	127,985	91,648
Provision for Loan Losses	23,056	23,558	15,108	7,122	4,185
Revenue	329,702	230,018	185,313	120,863	87,463
Revenue Growth (YoY)	43.34%	24.12%	53.33%	38.19%	16.33%
Salaries and Employee Benefits	52,219	37,132	32,031	23,332	18,196
Occupancy Expenses	6,832	6,083	5,362	4,305	4,406
Selling, General & Administrative	5,332	2,809	2,008	1,634	1,513
Other Non-Interest Expense	60,456	47,646	40,213	31,536	23,224
Total Non-Interest Expense	124,200	93,475	79,565	60,807	47,339
EBT Excluding Unusual Items	205,502	136,543	105,748	60,056	40,124
Asset Writedown	-	-88	-	-	-
Pretax Income	205,502	136,455	105,748	60,056	40,124
Income Tax Expense	83,804	50,090	53,228	20,854	15,355
Net Income	121,698	86,365	52,520	39,202	24,769
Net Income to Common	121,698	86,365	52,520	39,202	24,769
Net Income Growth	40.91%	64.44%	33.97%	58.27%	4.32%
Basic Shares Outstanding	1,173	1,173	1,175	1,170	1,170
Diluted Shares Outstanding	1,173	1,173	1,175	1,170	1,170
Shares Change (YoY)	-	-0.17%	0.43%	-	-
EPS (Basic)	103.75	73.63	44.70	33.51	21.17
EPS (Diluted)	103.75	73.63	44.70	33.51	21.17
EPS Growth	40.91%	64.72%	33.40%	58.27%	4.32%
Dividend Per Share	-	32.380	21.648	17.046	7.414
Dividend Growth	-	49.58%	27.00%	129.92%	-17.14%
Effective Tax Rate	40.78%	36.71%	50.33%	34.72%	38.27%