• Chairman's report

Chief executive's report

We have withstood challenges in the past...

...and have emerged stronger and more resilient. Standard Bank remains the largest bank in Africa by earnings and assets, with a recognised and trusted brand, and an extremely strong balance sheet.

Ensuring our sustainability

Because the company is so integral to society...

...it is considered as much a citizen of a country as is a natural person who has citizenship. It is expected that the company will be and will be seen to be a responsible citizen.

Financial review

2010 will be remembered as a difficult year...

...and our financial performance was disappointing. Severe pressure on our revenue streams more than offset the benefit we have seen from a significant improvement in the credit environment and a strong recovery in our insurance operations.