Chairman and CE's review

"It was an extremely tough year - but one in which our continued focus on developing markets has stood us in good stead. Profitability remained sound and our strong liquidity and capital position allowed us to continue to invest for future growth.

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Financial review

In 2009, almost every market in which the group operates experienced monetary policy relief to provide macro economic stimulation as the financial crisis of 2008 spread into a global recession.

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Corporate governance

In its approach to governance, the board embraces best practice principles based on the understanding that sound governance practices are fundamental to earning the trust of our stakeholders.

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Sustainability review

This summary sets out some of Standard Bank Group's non-financial performance.

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Risk management

Effective risk management is fundamental to the business activities of the group.

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