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'). 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.