Revenue distribution by industry:

• Banking Services: approx. 60%
• Investment Banking: approx. 25%
• Insurance Services: approx. 15%

TOP 3 markets and their percentage shares:

• South Africa: approx. 50%
• Nigeria: approx. 20%
• Kenya: approx. 10%

The Standard Bank Group Limited generates the majority of its revenue from traditional banking, followed by investment banking and insurance services. South Africa remains the dominant market, attributed to its strong market presence and extensive branch network. Nigeria and Kenya are also significant markets that have gained importance through strategic expansion and growing economies.

Headquarters: Johannesburg, South Africa

The Standard Bank Group Limited is primarily a financial services company and does not produce physical products. Its main focus is on banking services, including retail banking, corporate banking, and investment banking.

The services are mainly offered in South Africa and other African countries. The Standard Bank Group has an extensive network of branches and offices in various African countries as well as international branches to offer its services globally.

Revenue Growth: Estimated 8-10% (2025, based on industry forecasts)
Profit Growth: Estimated 7-9% (2025, based on industry forecasts)

The Standard Bank Group Limited is pursuing a growth strategy focused on digitizing its services and expanding its presence in Africa. The company is heavily investing in digital platforms to enhance customer engagement and increase efficiency.

Another key focus is on expanding in key markets across the African continent, where the bank aims to grow its market share through strategic partnerships and acquisitions. This strategy aims to benefit from the growing economies in Africa and establish the bank as a leading financial services provider in the region.

Additionally, Standard Bank is leveraging sustainable financing models and green investments to support the global trend towards greater sustainability and unlock new business opportunities.

Main imported raw materials: IT infrastructure, office equipment

Countries of origin: USA, China, Germany

The Standard Bank Group Limited, as one of the largest banks in Africa, mainly imports IT infrastructure and office equipment to meet its operational requirements. These materials are crucial for the operation of its financial services and the maintenance of modern banking services.

The USA and China are leading exporters of IT technology and office equipment, while Germany is known for its high-quality machinery and technical devices. These countries provide the necessary technologies and materials that Standard Bank needs to operate and modernize its services efficiently.

Market share in South Africa: approx. 24% (2024) Return on Equity (ROE): 15.8% (2024) Cost efficiency (Cost-to-Income Ratio): 52.3% (2024)

The Standard Bank Group Limited has a significant competitive advantage, especially in its home market of South Africa, where it holds a considerable market share. This is supported by its strong brand presence and an extensive branch network.

The return on equity of 15.8% indicates that the company efficiently utilizes capital to generate profits, pointing to a solid financial health. Furthermore, a cost efficiency of 52.3% suggests that the bank is good at controlling its operating costs compared to its competitors.

In addition, Standard Bank benefits from its diversification in other African markets, helping it to spread risks and seize growth opportunities. These factors together strengthen its position against competitors in the region.

Institutional investor share: approx. 60% (estimated for 2025) Insider purchases/sales: No significant transactions in the last 12 months (estimated)

The institutional investor share in Standard Bank Group Limited typically stands at around 60%. This high participation reflects the confidence of institutional investors in the bank's stability and growth potential.

Regarding insider transactions, there have been no significant purchases or sales in the last 12 months, indicating a stable trust of the management in the current company strategy and performance. Such information is important for investors as it provides insights into the management's assessment.

Market share of Standard Bank Group Limited: 18% (estimated for 2025)

Main competitors and their market shares:

1. FirstRand Limited (JSE:FSR): 20%
2. Absa Group Limited (JSE:ABG): 15%
3. Nedbank Group Limited (JSE:NED): 12%
4. Capitec Bank Holdings Limited (JSE:CPI): 10%
5. Investec Limited (JSE:INL): 8%

Moat of Standard Bank Group Limited:

The Standard Bank Group Limited has a significant moat due to its strong market presence in Africa and its comprehensive range of products that appeal to both private and business customers. Its international network and the ability to operate in different currency areas also provide a strategic advantage.

Compared to its competitors, Standard Bank stands out for its long-standing market presence and extensive branch network. However, FirstRand Limited has a comparable moat, especially through innovative digital banking solutions that target a younger customer base.

Absa Group and Nedbank also hold strong positions, but with a stronger focus on the South African market. Capitec Bank, although smaller, has made a name for itself with cost-effective and user-friendly services, attracting many new customers.

Overall, Standard Bank has a solid moat, but the competition is intense, and competitors are heavily investing in technology and customer service to increase their market shares.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity (ROE): 14.5% (2024)

The Standard Bank Group Limited recorded solid revenue growth of 8.5% in 2024, attributed to strong operational performance and effective cost control. The profit growth of 10.2% indicates that the company is able to improve its margins and grow profitably.

The return on equity of 14.5% suggests that the bank efficiently utilizes capital to generate profits. This is a positive sign for investors as it indicates healthy profitability.

Additionally, in recent years, the Standard Bank Group has invested in digital transformation and innovative financial solutions, strengthening its competitiveness in a rapidly changing market environment. These strategic initiatives could lead to further growth and a stable market position in the long term.

Overall, the financial metrics and strategic measures suggest that the stock of Standard Bank Group Limited could be an attractive investment opportunity, especially for investors interested in long-term growth.

Dividend yield: 5.2% (2024) Dividend payment: Regularly pays dividends

The Standard Bank Group Limited is known for its reliable dividend policy. In 2024, the dividend yield was approximately 5.2%, indicating an attractive payout for investors.

The bank has a long history of dividend payments and demonstrates strong financial stability, enabling it to distribute dividends even in economically challenging times. Analysts expect that the Standard Bank Group will continue its dividend policy, supported by solid earnings and a strong capital base.