Standard Chartered Bank Ghana PLC provides various banking products and services in Ghana.
Standard Chartered Bank Ghana Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||GH₵20.35|
|52 Week High||GH₵0|
|52 Week Low||GH₵0|
|1 Month Change||10.00%|
|3 Month Change||9.41%|
|1 Year Change||34.77%|
|3 Year Change||-18.80%|
|5 Year Change||69.58%|
|Change since IPO||25,338.14%|
Recent News & Updates
|SCB||GH Banks||GH Market|
Return vs Industry: SCB underperformed the GH Banks industry which returned 37.5% over the past year.
Return vs Market: SCB underperformed the GH Market which returned 65.7% over the past year.
Stable Share Price: SCB is not significantly more volatile than the rest of GH stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: SCB's weekly volatility (4%) has been stable over the past year.
About the Company
Standard Chartered Bank Ghana PLC provides various banking products and services in Ghana. The company operates through three segments: Retail Banking, Commercial Banking, and Corporate and Institutional Banking. Its deposit products include savings and current accounts, fixed/term deposit accounts, foreign exchange and currency accounts, investment accounts, and international trade accounts; and loan portfolio comprises personal overdrafts and unsecured loans, trade and working capital solutions, business overdrafts, and term loans.
Standard Chartered Bank Ghana Fundamentals Summary
|SCB fundamental statistics|
Is SCB overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SCB income statement (TTM)|
|Cost of Revenue||GH₵0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||3.83|
|Net Profit Margin||49.59%|
How did SCB perform over the long term?See historical performance and comparison
8.6%Current Dividend Yield
Is Standard Chartered Bank Ghana undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SCB (GHS20.35) is trading above our estimate of fair value (GHS16.06)
Significantly Below Fair Value: SCB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SCB is poor value based on its PE Ratio (5.3x) compared to the GH Banks industry average (4.1x).
PE vs Market: SCB's PE Ratio (5.3x) is in line with the GH market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SCB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SCB is overvalued based on its PB Ratio (1.8x) compared to the GH Banks industry average (0.7x).
How is Standard Chartered Bank Ghana forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if SCB's forecast earnings growth is above the savings rate (9.1%).
Earnings vs Market: Insufficient data to determine if SCB's earnings are forecast to grow faster than the GH market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: SCB's revenue (12.2% per year) is forecast to grow slower than the GH market (15.8% per year).
High Growth Revenue: SCB's revenue (12.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SCB's Return on Equity is forecast to be high in 3 years time (26.6%)
How has Standard Chartered Bank Ghana performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SCB has high quality earnings.
Growing Profit Margin: SCB's current net profit margins (49.6%) are higher than last year (40.3%).
Past Earnings Growth Analysis
Earnings Trend: SCB's earnings have grown significantly by 26.5% per year over the past 5 years.
Accelerating Growth: SCB's earnings growth over the past year (45.3%) exceeds its 5-year average (26.5% per year).
Earnings vs Industry: SCB earnings growth over the past year (45.3%) exceeded the Banks industry 32.6%.
Return on Equity
High ROE: SCB's Return on Equity (34.1%) is considered high.
How is Standard Chartered Bank Ghana's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SCB's Assets to Equity ratio (6.1x) is low.
Allowance for Bad Loans: SCB has a low allowance for bad loans (56%).
Low Risk Liabilities: 86% of SCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: SCB has an appropriate level of Loans to Assets ratio (22%).
Low Risk Deposits: SCB's Loans to Deposits ratio (30%) is appropriate.
Level of Bad Loans: SCB has a high level of bad loans (17.3%).
What is Standard Chartered Bank Ghana current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SCB's dividend (8.55%) is higher than the bottom 25% of dividend payers in the GH market (4.7%).
High Dividend: SCB's dividend (8.55%) is in the top 25% of dividend payers in the GH market (8.17%)
Stability and Growth of Payments
Stable Dividend: SCB's dividend payments have been volatile in the past 10 years.
Growing Dividend: SCB's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (45.3%), SCB's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mansa Nettey (54 yo)
Mrs. Mansa Seraphine Nettey has been Chief Executive Officer Executive Director at The Standard Chartered Bank Ghana Limited since March 1, 2017. Mrs. Nettey serves as Managing Director at The Standard Cha...
Experienced Management: SCB's management team is considered experienced (4.8 years average tenure).
Experienced Board: SCB's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Standard Chartered Bank Ghana PLC's employee growth, exchange listings and data sources
- Name: Standard Chartered Bank Ghana PLC
- Ticker: SCB
- Exchange: GHSE
- Founded: 1896
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: GH₵2.742b
- Shares outstanding: 134.76m
- Website: https://www.sc.com/gh
Number of Employees
- Standard Chartered Bank Ghana PLC
- Standard Chartered Bank Building
- No. 6 John Evans Atta-Mills High Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/10/20 22:04|
|End of Day Share Price||2021/10/20 00:00|
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.