Standard Bank Group (NAM:SNB) Net Loan: R1,725,696 Mil (As of Dec. 2025)

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NAM:SNB Standard Bank Group Ltd NAM:SNB
67 GF Score
Price R317.61
GF Value R237.31
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Standard Bank Group Net Loan?

Standard Bank Group NAM:SNB 67 Net Loan is R1,725,696 Mil as of Dec. 2025. GuruFocus rates NAM:SNB with a GF Score™ of 67/100 and a GF Value™ of R237.31 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Standard Bank Group's quarterly net loan increased from Dec. 2024 (R1,651,555 Mil) to Jun. 2025 (R1,660,776 Mil) and increased from Jun. 2025 (R1,660,776 Mil) to Dec. 2025 (R1,725,696 Mil).

Standard Bank Group's annual net loan increased from Dec. 2023 (R1,608,846 Mil) to Dec. 2024 (R1,660,776 Mil) and increased from Dec. 2024 (R1,660,776 Mil) to Dec. 2025 (R1,725,696 Mil).

Standard Bank Group Net Loan Historical Data

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The historical data trend for Standard Bank Group's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Standard Bank Group Net Loan Chart

Standard Bank Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,424,328.00 1,504,940.00 1,608,846.00 1,651,555.00 1,725,696.00

Standard Bank Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,608,846.00 1,616,936.00 1,651,555.00 1,660,776.00 1,725,696.00
NAM:SNB
67GF Score
Standard Bank Group Ltd NAM:SNB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Bank Group Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of R1,725,696 Mil mean?
Standard Bank Group (NAM:SNB) has a Net Loan of R1,725,696 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Standard Bank Group and its competitors.
Is Standard Bank Group's Net Loan too high?
Standard Bank Group's current Net Loan is R1,725,696 Mil. Overall, Standard Bank Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's Net Loan compare to PNC and USB?
Standard Bank Group's Net Loan of R1,725,696 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Standard Bank Group and its competitors. Standard Bank Group's current Net Loan is R1,725,696 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Group (NAM:SNB) is currently considered Significantly Overvalued. The stock's GF Value™ is R237.31, compared to a current price of R317.61 — trading 33.8% above its estimated fair value. The current Net Loan is R1,725,696 Mil. Standard Bank Group's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Standard Bank Group (NAM:SNB), the current Net Loan is R1,725,696 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Standard Bank Group (NAM:SNB) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued. The current stock price of R317.61 is trading 33.8% above its estimated GF Value™ of R237.31. GuruFocus considers Standard Bank Group to be Significantly Overvalued.

Key valuation signals for NAM:SNB:

  • Net Loan: R1,725,696 Mil
  • GF Value™: R237.31 vs. price of R317.61 (33.8% above fair value)
  • GF Score™: 67/100 with 6 warning signs

No single metric tells the full story. See the NAM:SNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Standard Bank Group Business Description

Address 5 Simmonds Street, 9th Floor, Standard Bank Centre, Johannesburg, GT, ZAF, 2001
Standard Bank Group Ltd provides banking and other financial services. Its operating model is client-led and structured around its business units, which are Personal & Private Banking (PPB), Business and Commercial Banking (BCB), Corporate and Investment Banking (CIB), and Insurance & Asset Management (IAM). It offers credit cards, mortgages, vehicle loans, insurance, and other lending and transactional products. Geographically, the company derives its maximum revenue from South Africa, followed by other African and international regions.
67GF Score

Get the complete analysis for NAM:SNB

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R317.61
Price
R237.31
GF Value