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Basel III capital adequacy disclosure at 30 September 2014
Standard Bank Group Limited
Registration No. 1969/017128/06
Incorporated in the Republic of South Africa
JSE share code: SBK
ISIN: ZAE000109815
NSX share code: SNB
NSX share code: SNB ZAE000109815
(“Standard Bank Group” or “the group”)
Basel III capital adequacy disclosure at 30 September 2014
In terms of the Basel III requirements under Regulation 43(1)(e)(ii) of the regulations relating
to banks, minimum disclosure on the capital adequacy of the group is required on a quarterly
basis. This announcement is in accordance with the reporting requirement for quarterly
disclosure in terms of Pillar 3 of the Basel III capital accord.
Standard Bank Group
September
2014
Rm
Ordinary share capital and premium 18 062
Ordinary shareholders' reserves1 115 971
Qualifying common equity tier I non-controlling interest 4 394
Regulatory deductions against common equity tier I capital (28 278)
Common equity tier 1 capital 110 149
Unappropriated Profit 10 223
Common equity tier 1 capital excluding unappropriated profit 99 926
Perpetual preference shares 4 396
Qualifying tier I non-controlling interest 126
Tier I capital excluding unappropriated profit 104 448
Tier II subordinated debt 20 895
General allowance for credit impairments 1 002
Tier II capital 21 897
Total qualifying capital excluding unappropriated profit 126 345
Total minimum regulatory capital requirement2 91 515
Credit Risk 61 875
Counterparty credit risk 5 200
Equity Risk 1 487
Market Risk 7 872
Operational Risk 12 315
Other risk 2 766
Capital Adequacy Ratio (excl unappropriated profit)
Total capital adequacy ratio (%) 13.8
Tier I capital adequacy ratio (%) 11.4
Common equity tier I capital adequacy ratio (%) 10.9
Capital Adequacy Ratio (incl unappropriated profit)
Total capital adequacy ratio (%) 14.9
Tier I capital adequacy ratio (%) 12.5
Common equity tier I capital adequacy ratio (%) 12.0
Note:
1
Including unappropriated profits.
2
The minimum capital requirement excludes any bank-specific capital requirement and is
reported at 10%.
The Standard Bank of South Africa Limited and its subsidiaries (“SBSA”)
September
2014
Rm
Tier I capital1 54 831
Tier II capital 15 893
Total qualifying capital 70 724
Unappropriated Profit 4 734
Total minimum regulatory capital requirement2 51 020
Credit Risk 39 607
Counterparty credit risk 1 252
Equity Risk 1 188
Market Risk 1 963
Operational Risk 6 886
Other risk 124
Capital Adequacy Ratio (excl unappropriated profit)
Total capital adequacy ratio (%) 13.9
Tier I capital adequacy ratio (%) 10.7
Capital Adequacy Ratio (incl unappropriated profit)
Total capital adequacy ratio (%) 14.8
Tier I capital adequacy ratio (%) 11.7
Note:
1 Excluding unappropriated profits.
2 The minimum capital requirement excludes any bank-specific capital requirement and is
reported at 10%.
The information contained in this announcement has not been reviewed by or reported on by
the group's auditors.
Johannesburg
24 November 2014
Lead sponsor
The Standard Bank of South Africa Limited
Independent sponsor
Deutsche Securities (SA) Proprietary Limited
Namibian sponsor
Simonis Storm Securities (Proprietary) Limited
Date: 24/11/2014 08:53:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE').
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