Basel III capital adequacy disclosure at 30 September 2013 Standard Bank Group Limited (Incorporated in the Republic of South Africa) (Registration number 1969/017128/06) South African Share Code: SBK ISIN: ZAE000109815 SBKP ZAE000038881 (First preference shares) SBPP ZAE000056339 (Second preference shares) Namibian Share Code: SNB ISIN: ZAE000109815 JSE bond codes: SBS, SBK, SBN, SBR, ETN series SSN series and CLN series (all JSE listed bonds issued in terms of The Standard Bank of South Africa Limited’s Domestic Medium Term Note Programme and Credit Linked Note Programme) ("Standard Bank Group" or "the group") Basel III capital adequacy disclosure at 30 September 2013 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 (SBG) SBG remained well capitalised as at 30 September 2013 under Basel III rules with a total capital adequacy of 16.0% and tier I capital adequacy of 12.9%, exceeding minimum regulatory requirements. September 2013 Rm Ordinary share capital and premium 18 243 1 Ordinary shareholders' reserves 105 047 Qualifying common equity tier I non-controlling interest 3 604 Regulatory deductions against common equity tier I (25 073) capital Common equity tier 1 capital 101 821 Unappropriated Profit (6 318) Common equity tier 1 capital excluding unappropriated 95 503 profit Perpetual preference shares 4 945 Qualifying tier I non-controlling interest 44 Tier I capital excluding unappropriated profit 100 492 Tier II subordinated debt 24 351 General allowance for credit impairments 753 Tier II capital 25 104 Total qualifying capital excluding unappropriated profit 125 596 Total minimum regulatory capital requirement2 78 556 Credit Risk 51 009 Counterparty credit risk 4 724 Equity Risk 1 315 Market Risk 5 943 Operational Risk 10 437 Other risk 5 128 Capital Adequacy Ratio (excl unappropriated profit) Total capital adequacy ratio (%) 15.2 Tier I capital adequacy ratio (%) 12.2 Capital Adequacy Ratio (incl unappropriated profit) Total capital adequacy ratio (%) 16.0 Tier I capital adequacy ratio (%) 12.9 Note: 1 Ordinary shareholders' reserves include unappropriated profits. 2 Total minimum capital requirement calculated at 9.5% is comprised of Pillar 1 at 8% and Pillar 2a at 1.5% and excludes bank specific add-ons. The Standard Bank of South Africa Limited and its subsidiaries (SBSA) SBSA remained well capitalised as at 30 September 2013 with a total capital adequacy of 15.6% and tier I capital adequacy of 11.8%, exceeding minimum regulatory requirements. September 2013 Rm Tier I capital1 54 289 Tier II capital 18 352 Total qualifying capital 72 641 Unappropriated Profit 4 097 Total minimum regulatory capital requirement2 46 859 Credit Risk 35 302 Counterparty credit risk 1 361 Equity Risk 1 057 Market Risk 1 624 Operational Risk 5 861 Other risk 1 654 Capital Adequacy Ratio (excl unappropriated profit) Total capital adequacy ratio (%) 14.7 Tier I capital adequacy ratio (%) 11.0 Capital Adequacy Ratio (incl unappropriated profit) Total capital adequacy ratio (%) 15.6 Tier I capital adequacy ratio (%) 11.8 Note: 1 Tier I capital excludes unappropriated profits. 2 Total minimum capital requirement calculated at 9.5% is comprised of Pillar 1 at 8% and Pillar 2a at 1.5% and excludes bank specific add-ons. The information contained in this announcement has not been reviewed by or reported on by Standard Bank Group's external auditors. Johannesburg 19 November 2013 Lead sponsor The Standard Bank of South Africa Limited Independent sponsor Deutsche Securities (SA) Proprietary Limited Date: 19/11/2013 04:00:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.