Standard Bank Group Ratios and Metrics

Market cap in millions NAD. Fiscal year is January - December.

Millions NAD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 16, 2026	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
Market Capitalization	493,205	470,091	366,213	349,145	275,870	222,395
Market Cap Growth	36.95%	28.37%	4.89%	26.56%	24.04%	10.03%
Last Close Price	303.91	290.38	207.29	183.16	134.81	105.87
PE Ratio	10.05	9.57	8.38	7.80	8.08	8.95
PS Ratio	2.73	2.61	2.20	2.14	2.05	1.81
PB Ratio	1.58	1.51	1.25	1.25	1.07	0.92
Debt / Equity Ratio	0.39	0.39	0.38	0.43	0.47	0.42
Net Debt / Equity Ratio	-1.68	-1.68	-1.44	-1.14	-1.14	-1.11
Net Debt / FCF Ratio	2.28	2.28	3.56	3.99	3.81	3.69
Return on Equity (ROE)	18.73%	18.73%	17.62%	18.78%	15.56%	12.25%
Return on Assets (ROA)	1.65%	1.65%	1.59%	1.70%	1.39%	1.07%
Earnings Yield	9.95%	10.89%	12.50%	13.32%	12.74%	11.55%
FCF Yield	-46.76%	-49.05%	-32.35%	-22.91%	-27.96%	-32.78%
Dividend Yield	5.04%	5.84%	7.27%	7.86%	8.92%	8.22%
Payout Ratio	60.52%	60.52%	63.14%	60.67%	61.28%	46.99%
Buyback Yield / Dilution	1.61%	1.61%	0.45%	-0.89%	-4.01%	-0.24%
Total Shareholder Return	6.65%	7.45%	7.71%	6.97%	4.91%	7.99%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.