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Basel III capital adequacy, leverage ratio and liquidity coverage ratio disclosure as at 30 September 2016
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, leverage ratio and liquidity coverage ratio disclosure as at 30
September 2016
In terms of the requirements under Regulation 43(1)(e)(iii) of the regulations relating to
banks and Directive 4/2014 issued in terms of section 6(6) of the Banks Act (Act No. 94 of
1990), minimum disclosure on the capital adequacy of the group and it's leverage ratio is
required on a quarterly basis. This disclosure is in accordance with Pillar 3 of the Basel III
accord.
Standard Bank Group capital adequacy and leverage ratio
September
2016
Rm
Ordinary share capital and premium 17 888
Ordinary shareholders' reserves1 128 140
Qualifying common equity tier I non-controlling interest 4 485
Regulatory deductions against common equity tier I capital (34 893)
Common equity tier I capital 115 620
Unappropriated Profit 7 557
Common equity tier 1 capital excluding unappropriated profit 108 063
Perpetual preference shares 3 297
Qualifying tier I non-controlling interest 341
Tier I capital excluding unappropriated profit 111 701
Tier II subordinated debt 19 073
General allowance for credit impairments 2 363
Tier II capital 21 436
Total qualifying capital excluding unappropriated profit 133 137
Total minimum regulatory capital requirement2 89 696
Credit Risk 63 849
Counterparty credit risk 2 360
Equity Risk in the banking book 1 361
Market Risk 4 615
Operational Risk 13 764
Threshold items 3 747
Capital Adequacy Ratio (excl unappropriated profit)
Total capital adequacy ratio (%) 15.4
Tier I capital adequacy ratio (%) 12.9
Common equity tier I capital adequacy ratio (%) 12.5
Capital Adequacy Ratio (incl unappropriated profit)
Total capital adequacy ratio (%) 16.3
Tier I capital adequacy ratio (%) 13.8
Common equity tier I capital adequacy ratio (%) 13.4
Leverage ratio
Tier I capital (excl unappropriated profit) 111 701
Tier I capital (incl unappropriated profit) 119 258
Total exposures 1 798 857
Leverage ratio (excl unappropriated profits, %) 6.2
Leverage ratio (incl unappropriated profits, %) 6.6
Note:
1
Including unappropriated profits.
2
The minimum capital requirement excludes any bank-specific capital requirement and is
reported at 10.38%.
The Standard Bank of South Africa and its subsidiaries capital adequacy and leverage ratio
September
2016
Rm
Common equity tier I capital1 67 965
Tier I capital1 67 965
Tier II capital 17 858
Total qualifying capital1 85 823
Unappropriated Profit 4 613
Total minimum regulatory capital requirement2 57 684
Credit Risk 41 559
Counterparty credit risk 2 211
Equity Risk in the banking book 1 193
Market Risk 3 273
Operational Risk 8 692
Threshold items 756
Capital Adequacy Ratio (excl unappropriated profit)
Total capital adequacy ratio (%) 15.4
Tier I capital adequacy ratio (%) 12.2
Common equity tier I capital adequacy ratio (%) 12.2
Capital Adequacy Ratio (incl unappropriated profit)
Total capital adequacy ratio (%) 16.3
Tier I capital adequacy ratio (%) 13.1
Common equity tier I capital adequacy ratio (%) 13.1
Leverage ratio
Tier I capital (excl unappropriated profit) 67 965
Tier I capital (incl unappropriated profit) 72 578
Total exposures 1 360 038
Leverage ratio (excl unappropriated profits, %) 5.0
Leverage ratio (incl unappropriated profits, %) 5.3
Note:
1
Excluding unappropriated profits.
2
The minimum capital requirement excludes any bank-specific capital requirement and is reported at
10.38%.
Liquidity coverage ratio disclosure
In terms of the Basel III requirements in Directive 11/2014 issued in terms of section 6(6) of
the Banks Act, (Act No. 94 of 1990), minimum disclosure on the liquidity coverage ratio
(LCR) of the group and the bank is required on a quarterly basis. This disclosure is in
accordance with Pillar 3 of the Basel III liquidity accord.
The LCR is designed to promote short-term resilience of the 1 month liquidity profile, by
ensuring that banks have sufficient high quality liquid assets (HQLA) to meet potential
outflows in a stressed environment. The minimum regulatory requirement for 2016 is 70%
and will increase by 10% each year to 100% on 1 January 2019.
Standard Bank Standard Bank of
Group Consolidated South Africa Solo
30 September 2016 30 September 2016
Rm Rm
Total high quality liquid assets 177 297 121 507
Net cash outflows 156 743 145 412
LCR (%) 113.1 83.6
Minimum requirement (%) 70.0 70.0
Note:
1. Only banking and/or deposit taking entities are included and the group data represent an
aggregation of the relevant individual net cash outflows and HQLA portfolios.
2. The above figures reflect the simple average of the month-end values at 31 July 2016, 31
August 2016 and 30 September 2016, based on the regulatory submissions to the South
African Reserve Bank.
The information contained in this announcement has not been reviewed and reported on by
the group's external auditors.
Johannesburg
5 December 2016
Lead sponsor
The Standard Bank of South Africa Limited
Independent sponsor
Deutsche Securities (SA) Proprietary Limited
Namibian sponsor
Simonis Storm Securities (Proprietary) Limited
Date: 05/12/2016 02:30:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE').
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