Derek Cooper
Chairman
Jacko Maree
Chief executive officer

Chairman & chief executive’s review

Whereas the group’s growth has been largely organic for the last number of years, we are confident that it is well positioned to grow acquisitively outside South Africa. read more


Economic review

South Africa’s internal growth dynamic, on the back of strong household expenditure, was the mainstay of its economic performance in 2005.read more
Goolam Ballim
Group economist


Standard Bank

Operational reviews

Annual financial statements

Group financial statements

Financial highlights

  2005   2004  
Return on equity (%)1 25,2   24,2  
Headline earnings (Rm)1 9 013   7 511  
Headline earnings growth (%)1 20   20  
Headline earnings per share (cents)1 666,0   558,1  
Headline earnings per share growth (%)1 19   19  
Total dividends declared (cents) 267,0   231,5  
Net interest margin (%) 2,93   3,07  
Cost-to-income ratio (%) 56,6   58,0  
Credit loss ratio (%) 0,41   0,43  
1 Normalised results.