Standard Bank Group (SBK) Investor presentation summary

Market presence and financial performance

• Operates across multiple African countries with a strong regional footprint and scale.

• Headline earnings reached R12bn with a 23% ROE as of June 2025.

• CIB contributes 51% of group earnings and 49% of group revenue.

• Revenue split: 43% Global Markets, 36% Transactional Banking, 21% Investment Banking.

• 57% of CIB revenue comes from Africa, 43% from South Africa.

Innovation strategy and approach

• Focuses on impactful solutions for clients, addressing large industry problems and aligning with core products.

• Emphasizes true partnerships for shared value and sustainable growth.

• Innovation funnel includes ideation, incubation, testing, and scaling, with disciplined project exits.

• Hundreds of initiatives considered, with successful ones fully tested before scaling.

Digital transformation and client engagement

• Five fundamentals guide digital initiatives: process automation, client desirability, agility, compliance, and leveraging human capital.

• Three focus areas: digital client engagement, corporate venturing, and leveraging data & AI.

• OneHub platform consolidates client access to multiple digital tools and services.