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Standard Bank Group Limited (SBK) investor relations material
Standard Bank Group Limited Trading Update summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Trading Update summary1 Dec, 2025
Executive summary
Group performance for the ten months to October 2025 was robust and consistent with the first half, with strong revenue and earnings growth across business units.
Macroeconomic conditions improved, with easing inflation and interest rates in most operating countries, supporting client activity and affordability.
South Africa saw improved consumer and financial confidence, a new lower inflation target, and S&P upgraded its local currency credit rating to BB+ with a positive outlook.
Guidance for FY25 remains unchanged, with confidence in meeting SPG 2025 targets and new targets set for 2026–2028 to be detailed at the March 2026 Capital Markets Day.
Trading performance and revenue trends
Banking revenue grew by mid to high single digits, driven by net interest income, robust non-interest revenue, and strong origination in investment banking, especially in energy and infrastructure.
Deposit growth remained strong, outpacing loan growth, with South Africa deposits up 8% year-on-year in September and October 2025.
Non-interest revenue and net fee and commission revenue saw strong growth, supported by a larger, more engaged client base and strong trading revenue momentum.
Asset growth accelerated in the second half, particularly in CIB, with double-digit year-on-year growth.
Global markets trading revenue growth remained strong, well ahead of last year, with momentum into Q4.
Profitability and margins
Net interest income growth was dampened by lower average interest rates and competitive pricing pressures, especially in mortgages.
Cost growth was well contained, with revenue growth slightly ahead of costs, resulting in flat to positive jaws and a flat to lower cost-to-income ratio.
Group return on equity is expected to remain within the 17%-20% target range for FY25.
Insurance and asset management earnings were higher, driven by improved claims ratios and persistency.
ICBCS contributed positively to group earnings, with a strong performance in precious metals.
How does new SA inflation target affect SARB?
Is strong deposit growth sustainable into 2026?
What is the Kenya M&A strategy and target?
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Next Standard Bank Group Limited earnings date
H2 202512 Mar, 2026
Next Standard Bank Group Limited earnings date
H2 202512 Mar, 2026
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Frequently asked questions
Standard Bank Group Limited, known as one of Africa's largest banking group by assets, offers a wide array of financial services. It is engaged in providing comprehensive financial solutions, including banking, insurance, and asset management services to individuals, businesses, institutions, and corporations across Africa and other selected international markets. The company is headquartered in Johannesburg, South Africa, and its shares are listed on the Johannesburg Stock Exchange.
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