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  • Our business
    • OUR APPROACH TO INTEGRATED THINKING
    • WHO WE ARE
    • OUR OPERATING CONTEXT
    • OUR GROUP STRATEGY
    • OUR VALUE CREATION MODEL
    • MEASURING OUR STRATEGIC PROGRESS
    • WHY INVEST IN US
  • Our performance
    • CHAIRMAN’S STATEMENT
    • GROUP CHIEF EXECUTIVE’S REPORT
    • OUR STRATEGIC VALUE DRIVERS
  • Our accountability
    • OUR REPORTING SUITE
    • ABOUT THIS REPORT
    • GOVERNANCE OVERVIEW
    • REMUNERATION OVERVIEW
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  • Who we are

    We are an African-focused, client-centric, digitally enabled and integrated financial services organisation. In, for and across Africa, our strategy is designed to realise the opportunities presented by Africa’s longer-term structural trends.

    Map Background

    AFRICA IS OUR HOME, WE DRIVE HER GROWTH

    EAST AFRICA

    Ethiopia (representative office)

    Kenya

    South Sudan

    Tanzania

    Uganda

    SOUTH AFRICA

    SOUTH & CENTRAL AFRICA

    Botswana

    eSwatini

    Lesotho

    Malawi

    Mauritius

    Mozambique

    Namibia

    Zambia

    Zimbabwe

    WEST AFRICA

    Angola

    Côte d’Ivoire

    Democratic Republic of the Congo

    Ghana

    Nigeria

    INTERNATIONAL FINANCIAL SERVICES

    Isle of Man

    Jersey

    Mauritius

    PRESENCE IN INTERNATIONAL MARKETS

    Beijing

    New York

    Dubai

    São Paulo

    London

    Standard Bank Group is a leading African integrated financial services group with compelling competitive advantages.
    StandardBank brand diagram
    Strong position in South Africa as a market leader in mortgages and deposits.
    Strong contribution from our Africa Regions businesses
    31%
    contribution to banking headline earnings
    Contributions to banking activities
    Headline Earnings Diagram
    Headline Earnings Diagram
    Headline Earnings Diagram
    Top five contributors to Africa Regions headline earnings
    • Angola
    • Mozambique
    • Uganda
    • Ghana
    • Nigeria
    Africa Region Total Income Graph
    Diversified business units provide client solutions across the full range of banking and related financial services.
    Personal & Business Banking

    Banking and other financial services to individual clients and small- to medium-sized enterprises (SMEs) in South Africa, the Africa Regions and the Channel Islands.

    PRODUCTS AND SERVICES
    • Transactional products
    • Mortgage lending
    • Card products
    • Vehicle and asset finance (VAF)
    • Lending products

    KEY INFORMATION

    Client and Transactional Behaviour
    Corporate & Investment Banking

    Corporate and investment banking services to clients, including governments, parastatals, larger corporates, financial institutions and multinational corporates.

    PRODUCTS AND SERVICES
    • Client coverage
    • Global markets
    • Transactional products and services (TPS)
    • Investment banking
    KEY INFORMATION
    • Leading market positions in corporate loans, deposits and trading in South Africa
    • Strong market share across Africa Regions
    Wealth

    Wealth services and product offerings, including insurance, investment, fiduciary, specialised banking and multigenerational wealth preservation solutions for high net worth, retail, business and commercial, and corporate clients.

    PRODUCTS AND SERVICES
    • Short-term and life insurance products
    • Financial planning and modelling
    • Integrated fiduciary services
    • Specialised banking, wealth management and advisory service solutions
    • Offshore financial services to African clients
    • Investment services, including global asset management
    KEY INFORMATION
    • Continued growth in assets under management
    • Strong fund performance, with above benchmark growth
    • Strong growth in high net worth clients
    • Strong growth in deposits
    Liberty

    Life insurance and investment management activities of the group companies in the Liberty Holdings Group.

    PRODUCTS AND SERVICES
    • Individual arrangements
    • Group arrangements
    • Asset management
    KEY INFORMATION
    • Over R390 billion in external assets under management
    • Information about Liberty’s strategy and operations is available at www.libertyholdings.co.za