Stanbic Holdings Balance Sheet

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

Millions KES. 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	112,363	76,403	103,891	38,112	46,942
Investment Securities	52,021	38,470	40,040	55,461	38,361
Trading Asset Securities	56,043	56,611	4,973	26,799	19,619
Total Investments	108,064	95,081	45,013	82,260	57,980
Gross Loans	291,454	248,057	283,782	259,972	203,863
Allowance for Loan Losses	-18,535	-17,839	-19,215	-20,596	-15,629
Net Loans	272,919	230,218	264,567	239,376	188,234
Property, Plant & Equipment	3,989	2,954	2,969	2,861	2,991
Goodwill	9,350	9,350	9,350	9,350	9,350
Other Intangible Assets	898	993	740	837	1,021
Other Receivables	3,791	3,630	1,495	1,281	1,083
Restricted Cash	11,363	12,760	13,259	10,112	9,548
Other Current Assets	-	-	54	101	28
Long-Term Deferred Tax Assets	8,829	8,943	9,287	7,232	5,648
Other Long-Term Assets	9,687	14,502	8,659	8,308	6,047
Total Assets	541,253	454,834	459,284	399,830	328,872
Accrued Expenses	4,599	5,219	5,047	4,382	3,939
Interest Bearing Deposits	385,065	307,313	319,229	267,750	240,089
Non-Interest Bearing Deposits	31,990	21,339	27,128	30,990	9,569
Total Deposits	417,055	328,652	346,357	298,740	249,658
Short-Term Borrowings	1,161	2,746	2,570	1,687	1,743
Current Portion of Leases	407	215	436	436	290
Current Income Taxes Payable	99	20	2,192	1,430	1,751
Other Current Liabilities	14,920	22,763	12,406	10,666	6,484
Long-Term Debt	13,025	10,482	12,713	10,141	5,700
Long-Term Leases	1,098	497	571	721	842
Other Long-Term Liabilities	8,740	8,840	8,438	9,429	2,013
Total Liabilities	461,104	379,434	390,730	337,632	272,420
Common Stock	1,977	1,977	1,977	1,977	1,977
Additional Paid-In Capital	16,897	16,897	16,897	16,897	16,897
Retained Earnings	64,291	59,543	52,160	45,429	39,247
Comprehensive Income & Other	-3,016	-3,017	-2,480	-2,105	-1,669
Shareholders' Equity	80,149	75,400	68,554	62,198	56,452
Total Liabilities & Equity	541,253	454,834	459,284	399,830	328,872
Total Debt	15,691	13,940	16,290	12,985	8,575
Net Cash (Debt)	152,715	119,074	92,574	51,926	57,986
Net Cash Growth	28.25%	28.63%	78.28%	-10.45%	-16.32%
Net Cash Per Share	386.62	301.45	234.36	131.46	146.80
Filing Date Shares Outstanding	395.32	395.32	395	395	395
Total Common Shares Outstanding	395.32	395.32	395	395	395
Book Value Per Share	202.74	190.73	173.55	157.46	142.92
Tangible Book Value	69,901	65,057	58,464	52,011	46,081
Tangible Book Value Per Share	176.82	164.57	148.01	131.67	116.66