Standard Bank Balance Sheet

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
Cash & Equivalents	230,375	32,930	28,460	20,137	19,780	13,538
Investment Securities	522,817	394,899	335,019	352,645	177,613	142,532
Trading Asset Securities	64,600	39,634	23,442	1,587	18,608	3,632
Total Investments	587,417	434,533	358,461	354,232	196,221	146,164
Gross Loans	783,872	644,107	555,275	384,832	315,354	257,511
Allowance for Loan Losses	-	-26,631	-17,168	-13,501	-9,656	-6,856
Other Adjustments to Gross Loans	-	-5,473	-4,068	-4,032	-2,683	-2,703
Net Loans	783,872	612,003	534,039	367,299	303,015	247,952
Property, Plant & Equipment	34,465	36,103	29,102	21,907	18,444	18,263
Other Intangible Assets	10,371	11,143	12,693	13,979	15,493	16,988
Other Receivables	-	13,201	6,245	1,692	2,958	663
Restricted Cash	-	164,257	123,772	36,248	21,627	15,927
Other Current Assets	-	3,476	1,511	2,504	2,472	2,085
Long-Term Deferred Tax Assets	3,993	9,685	-	-	-	-
Other Long-Term Assets	41,190	15,314	18,233	11,350	46,625	17,980
Total Assets	1,691,683	1,332,645	1,112,516	829,348	626,635	479,560
Accounts Payable	-	1,751	66	12	92	120
Accrued Expenses	-	8,452	14,467	7,824	5,424	6,109
Interest Bearing Deposits	1,269,822	422,983	376,895	317,417	217,800	198,128
Non-Interest Bearing Deposits	-	543,603	435,313	296,551	243,612	146,939
Total Deposits	1,269,822	966,586	812,208	613,968	461,412	345,067
Short-Term Borrowings	60	34,276	25,463	23,409	13,922	5,273
Current Portion of Leases	-	361	29	319	305	268
Current Income Taxes Payable	29,499	20,841	29,619	10,565	7,151	4,031
Other Current Liabilities	-	26,042	16,726	10,165	9,575	4,328
Long-Term Leases	-	596	208	162	260	448
Long-Term Unearned Revenue	-	2,210	1,872	-	-	-
Long-Term Deferred Tax Liabilities	-	-	2,044	8,142	6,190	4,449
Other Long-Term Liabilities	122,461	10,916	15,540	4,201	3,436	2,335
Total Liabilities	1,421,842	1,072,860	918,699	681,296	509,576	373,839
Common Stock	235	235	235	234	234	234
Additional Paid-In Capital	8,491	8,491	8,491	8,492	8,492	8,492
Retained Earnings	238,377	227,983	167,023	126,503	97,301	87,232
Comprehensive Income & Other	22,738	23,076	18,068	12,823	11,032	9,763
Shareholders' Equity	269,841	259,785	193,817	148,052	117,059	105,721
Total Liabilities & Equity	1,691,683	1,332,645	1,112,516	829,348	626,635	479,560
Total Debt	60	35,233	25,700	23,890	14,487	5,989
Net Cash (Debt)	294,915	37,331	26,202	-2,166	23,901	11,181
Net Cash Growth	99.10%	42.47%	-	-	113.76%	-77.96%
Net Cash Per Share	1254.96	158.86	111.50	-9.26	102.14	47.78
Filing Date Shares Outstanding	235	234	234	234	234	234
Total Common Shares Outstanding	235	234	234	234	234	234
Book Value Per Share	1148.26	1110.19	828.28	632.70	500.25	451.80
Tangible Book Value	259,470	248,642	181,124	134,073	101,566	88,733
Tangible Book Value Per Share	1104.13	1062.57	774.03	572.96	434.04	379.20

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