Standard Bank Group Balance Sheet Health
Financial Health criteria checks 4/6
Standard Bank Group has total assets of ZAR3,100.3B and total equity of ZAR280.1B. Total deposits are ZAR2,018.4B, and total loans are ZAR1,616.9B.
Key information
11.1x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | R2.02t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 6.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | R546.26b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SKCS's Assets to Equity ratio (11.1x) is moderate.
Allowance for Bad Loans: SKCS has a low allowance for bad loans (64%).
Low Risk Liabilities: 72% of SKCS's liabilities are made up of primarily low risk sources of funding.
Loan Level: SKCS has an appropriate level of Loans to Assets ratio (52%).
Low Risk Deposits: SKCS's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: SKCS has a high level of bad loans (6.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/25 02:30 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Standard Bank Group Limited is covered by 21 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Harry Botha | Anchor Stockbrokers Proprietary Limited |
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |
| Adrienne Damant | Avior Capital Markets |