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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

Standard Bank Malawi

STANDARD · Malawi Stock Exchange · Consolidated statements

On this page
Company details
Legal name
Standard Bank PLC
Listing
STANDARD on the Malawi Stock Exchange, active · ISIN MWSTD0010041 (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · annual report, signed / final · source

Read with these figures

  • Auditor's emphasis of matter. Key audit matter: expected credit losses on loans and advances to customers and financial investments (PDF pp21-22).
Full wording and sources

  • Auditor's emphasis of matter

    Key audit matter: expected credit losses on loans and advances to customers and financial investments (PDF pp21-22). It does not modify the opinion.

    Source: Standard Bank PLC Annual Report 2025 (dated 2026-03-12)

  • Net interest income

    MWK 259 billion

    259,145 MWK millions · p23

    +47.2% vs 2024

    Interest income less interest expense, as printed.

  • Total operating income

    MWK 353 billion

    352,758 MWK millions · p23

    +39.1% vs 2024

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    MWK 122 billion

    121,698 MWK millions · p23

    +40.9% vs 2024

  • Total assets

    MWK 1.94 trillion

    1,937,253 MWK millions · p23

    +45.4% vs 2024

  • Customer deposits

    MWK 1.32 trillion

    1,320,235 MWK millions · p23

    +42.3% vs 2024

  • Total equity

    MWK 349 billion

    348,741 MWK millions · p23

    +34.2% vs 2024

Large amounts are rounded for reading (MWK million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in MWK millions unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — annual report, signed / final; reported for the year · source
  • FY2024 — annual report, signed / final; comparative in the FY2025 filing · source

Income statement

Income statement, MWK millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Interest income 273,097 185,245
Interest expense (13,952) (9,171)
Net interest income 259,145 176,074
Fee and commission income 43,824 35,954
Fee and commission expense (10,754) (7,991)
Net fee and commission income 33,070 27,963
Trading income 59,602 48,306
Other operating income 941 1,008
Other gains on financial instruments1 –2 225
Total operating income 352,758 253,576
Credit impairment charges (23,056) (23,558)
charges3 329,702 230,018
Staff costs (52,219) (37,132)
Depreciation and amortisation4 (6,832) (6,171)
Other operating expenses (65,788) (50,455)
Total expenditure (124,839) (93,758)
earnings and income tax expense 204,863 136,260
Share of post-tax profit from joint venture 639 195
Profit before income tax expense 205,502 136,455
Income tax expense (83,804) (50,090)
ordinary shareholders 121,698 86,365
Revaluation gain on property5 5,618 5,005
Net change in expected credit losses6 (24) 2
Net change in debt financial assets measured at fair value through other comprehensive income (OCI)7 (336) 1
Items that may be reclassified subsequently to profit or loss (unlabelled subtotal)8 (360) 3
Other comprehensive income for the year, net of tax 5,258 5,008
Total comprehensive income for the year attributable to ordinary shareholders 126,956 91,373
  1. Printed “-”, read as nil: subtotal_arithmetic: is.total_operating_income.
Notes and alternative reported figures (7)
  1. “Other gains on financial instruments” is an issuer-specific line, not mapped to a shared definition: Note 31; within total operating income.
  2. “charges” is an issuer-specific line, not mapped to a shared definition: Total operating income less credit impairment charges (printed subtotal).
  3. “Depreciation and amortisation” is an issuer-specific line, not mapped to a shared definition: Note 34; within total expenditure.
  4. “Revaluation gain on property” is an issuer-specific line, not mapped to a shared definition: OCI item that will not be reclassified to profit or loss.
  5. “Net change in expected credit losses” is an issuer-specific line, not mapped to a shared definition: OCI item that may be reclassified subsequently to profit or loss.
  6. “Net change in debt financial assets measured at fair value through other comprehensive income (OCI)” is an issuer-specific line, not mapped to a shared definition: OCI item that may be reclassified subsequently.
  7. “Items that may be reclassified subsequently to profit or loss (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled printed subtotal of the two items that may be reclassified.

Balance sheet

Balance sheet, MWK millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Cash and balances held with the Central Bank 247,557 197,187
Derivative assets 319 2,772
Trading assets 50,501 36,862
financial institutions 407,057 233,660
Loans and advances to customers 496,182 378,343
Financial investments 642,788 394,899
Investment in subsidiaries1 –2 –2
Other assets 37,066 31,991
Property, equipment and right-of-use assets 41,557 36,103
Intangible assets 9,606 11,143
Deferred tax assets 4,620 9,685
Total assets 1,937,253 1,332,645
Derivative liabilities 98 808
Trading liabilities3 86,114 –4
Deposits and loans from banks 70,679 38,552
Deposits from customers 1,320,235 928,034
Other liabilities 63,951 71,606
Income tax payable 29,271 20,841
Provisions 18,164 13,019
Total liabilities 1,588,512 1,072,860
Share capital 8,726 235
Share premium –5 8,491
Revaluation reserve 28,346 22,728
Fair value through OCI reserve (12) 348
Retained earnings 311,681 227,983
Total equity 348,741 259,785
Total liabilities and equity 1,937,253 1,332,645
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
  3. Printed “-”, read as nil: subtotal_arithmetic: bs.total_equity.
Notes and alternative reported figures (2)
  1. “Investment in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Note 14 (printed '-' in the consolidated columns).
  2. “Trading liabilities” is an issuer-specific line, not mapped to a shared definition: Note 19.

Cash flow

Cash flow, MWK millions. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Profit before income tax expense1 205,502 136,455
income statement2 (235,088) (148,945)
Increase in income-earning and other assets3 (459,613) (210,523)
Increase in deposits and other liabilities4 494,548 159,711
Interest paid5 (13,751) (9,013)
Interest received 238,730 185,402
Dividend received6 –7 –7
Income tax paid (69,121) (70,450)
activities 161,207 42,637
Capital expenditure on property and equipment (5,545) (5,578)
Proceeds from sale of property and equipment 4 135
Net cash used in investing activities (5,541) (5,443)
Principal lease repayments (459) (364)
Dividend paid (17,573) (23,456)
Net cash used in financing activities (18,032) (23,820)
Net increase in cash and cash equivalents 137,634 13,374
Cash and cash equivalents at the beginning of the year 400,934 382,452
Effects of exchange rate changes 2,344 5,108
Cash and cash equivalents at the end of the year 540,912 400,934
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_operations.
Notes and alternative reported figures (6)
  1. “Profit before income tax expense” is an issuer-specific line, not mapped to a shared definition: Starting point of operating activities.
  2. “income statement” is an issuer-specific line, not mapped to a shared definition: Note 42.1.
  3. “Increase in income-earning and other assets” is an issuer-specific line, not mapped to a shared definition: Note 42.2; operating activities.
  4. “Increase in deposits and other liabilities” is an issuer-specific line, not mapped to a shared definition: Note 42.3; operating activities.
  5. “Interest paid” is an issuer-specific line, not mapped to a shared definition: Within operating activities.
  6. “Dividend received” is an issuer-specific line, not mapped to a shared definition: Within operating activities (printed '-' in the consolidated columns).

Per share and shares

Per share and shares. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), comparative reported in the annual report for 2025.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportcomparative in FY2025 filing
Earnings / (loss) per share (per share)1 103.75 73.63
Notes and alternative reported figures (1)
  1. Earnings / (loss) per share: printed as “Basic and diluted (MK per share)”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividend paid (17,573) MWK millions Annual report, p26
31 Dec 2024 Dividends paid (cash flow statement) Dividend paid (23,456) MWK millions Annual report, p26

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Standard Bank PLC Annual Report 2025

    Year ended 31 December 2025 · Annual report · signed / final

    Audit: Ernst & Young, Chartered Accountants (Malawi), unmodified opinion · signed

    Auditor's sign-off: Ernst & Young, Chartered Accountants (Malawi); MacDonald Kamoto, Partner

    Final status: Independent auditor's report to the shareholders of Standard Bank Plc (PDF pp21-22): unmodified opinion on the consolidated and separate financial statements set out on pages 45 to 200 (p21); handwritten firm signature 'Ernst & Young' over 'Chartered Accountants (Malawi), MacDonald Kamoto - Partner, Registered Practicing Accountant', dated 12 March 2026 (p22 right half, page image). The statements were approved for issue by the Board of Directors on 5 March 2026 and hand-signed by Mr. A. Mkandawire (Chairperson) and Mrs. C. Chithila (Director) (p23 left half, page image).

    Document date
    12 Mar 2026
    Auditor's report
    12 Mar 2026
    Board approval
    5 Mar 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · MWK millions (printed “MKm”)
    • Printed 'Standard Bank PLC is a company incorporated and domiciled in Malawi. It was listed on the Malawi Stock Exchange on 28 June 1998' (directors' report, p15); the directory name is 'STANDARD BANK MALAWI PLC' (MSE code STANDARD). No registration number is printed.
    • Each PDF page holds two printed pages. The statement of financial position prints no current/non-current classification (p23). Items that may be reclassified to profit or loss are closed by an unlabelled subtotal ((360); 2024: 3) (p24). Interest paid, interest received, dividends received and income tax paid are within operating activities; the effect of exchange-rate changes is printed after opening cash (p26).
    • Earnings per share basic and diluted printed in MK per share (103.75; 2024: 73.63, p23). Interim dividend for 2025 MK14.23 per share (directors' report, p15); comparative per-share dividends adjusted for the share split effected during the year; not transcribed.
    Technical details
    File
    104 pages, with a text layer
    SHA-256
    1e2e939b23c0abcbd4a1d69726666f43c4396786fe375e26c5a7e43091778b19
    Entity as printed
    Standard Bank Plc and its subsidiary ('the Group') and company
    Issuer copy
    retrieved 2026-10-08T19:52:45Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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