Standard Bank Balance Sheet

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
Cash & Equivalents	37,569	32,930	28,460	20,137	19,780
Investment Securities	642,788	394,899	335,019	352,645	177,613
Trading Asset Securities	50,820	39,634	23,442	1,587	18,608
Total Investments	693,608	434,533	358,461	354,232	196,221
Gross Loans	954,526	644,107	555,275	384,832	315,354
Allowance for Loan Losses	-35,546	-26,631	-17,168	-13,501	-9,656
Other Adjustments to Gross Loans	-15,741	-5,473	-4,068	-4,032	-2,683
Net Loans	903,239	612,003	534,039	367,299	303,015
Property, Plant & Equipment	41,557	36,103	29,102	21,907	18,444
Other Intangible Assets	9,606	11,143	12,693	13,979	15,493
Other Receivables	14,540	13,201	6,245	1,692	2,958
Restricted Cash	209,988	164,257	123,772	36,248	21,627
Other Current Assets	3,936	3,476	1,511	2,504	2,472
Long-Term Deferred Tax Assets	4,620	9,685	-	-	-
Other Long-Term Assets	18,590	15,314	18,233	11,350	46,625
Total Assets	1,937,253	1,332,645	1,112,516	829,348	626,635
Accounts Payable	1,673	1,751	66	12	92
Accrued Expenses	10,149	8,452	14,467	7,824	5,424
Interest Bearing Deposits	635,220	422,983	376,895	317,417	217,800
Non-Interest Bearing Deposits	755,694	543,603	435,313	296,551	243,612
Total Deposits	1,390,914	966,586	812,208	613,968	461,412
Short-Term Borrowings	35,937	34,276	25,463	23,409	13,922
Current Portion of Leases	538	361	29	319	305
Current Income Taxes Payable	29,271	20,841	29,619	10,565	7,151
Other Current Liabilities	99,769	26,042	16,726	10,165	9,575
Long-Term Leases	1,128	596	208	162	260
Long-Term Unearned Revenue	1,143	2,210	1,872	-	-
Long-Term Deferred Tax Liabilities	-	-	2,044	8,142	6,190
Other Long-Term Liabilities	14,676	10,916	15,540	4,201	3,436
Total Liabilities	1,588,512	1,072,860	918,699	681,296	509,576
Common Stock	8,726	235	235	234	234
Additional Paid-In Capital	-	8,491	8,491	8,492	8,492
Retained Earnings	311,681	227,983	167,023	126,503	97,301
Comprehensive Income & Other	28,334	23,076	18,068	12,823	11,032
Shareholders' Equity	348,741	259,785	193,817	148,052	117,059
Total Liabilities & Equity	1,937,253	1,332,645	1,112,516	829,348	626,635
Total Debt	37,603	35,233	25,700	23,890	14,487
Net Cash (Debt)	50,786	37,331	26,202	-2,166	23,901
Net Cash Growth	36.04%	42.47%	-	-	113.76%
Net Cash Per Share	43.30	31.83	22.30	-1.85	20.43
Filing Date Shares Outstanding	1,173	1,170	1,170	1,170	1,170
Total Common Shares Outstanding	1,173	1,170	1,170	1,170	1,170
Book Value Per Share	297.31	222.04	165.66	126.54	100.05
Tangible Book Value	339,135	248,642	181,124	134,073	101,566
Tangible Book Value Per Share	289.12	212.51	154.81	114.59	86.81