Basel III capital adequacy, leverage ratio and liquidity coverage ratio disclosure as at 30 September 2015 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 2015 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 its 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 2015 Rm Ordinary share capital and premium 17 947 Ordinary shareholders' reserves1 126 142 Qualifying common equity tier I non-controlling interest 5 388 Regulatory deductions against common equity tier I capital (35 424) Common equity tier I capital 114 053 Unappropriated Profit 14 231 Common equity tier 1 capital excluding unappropriated profit 99 822 Perpetual preference shares 3 847 Qualifying tier I non-controlling interest 154 Tier I capital excluding unappropriated profit 103 822 Tier II subordinated debt 19 443 General allowance for credit impairments 1 665 Tier II capital 21 109 Total qualifying capital excluding unappropriated profit 124 931 Total minimum regulatory capital requirement2 89 807 Credit Risk 65 695 Counterparty credit risk 2 146 Equity Risk in the banking book 1 152 Market Risk 4 697 Operational Risk 12 939 Threshold items 3 178 Capital Adequacy Ratio (excl unappropriated profit) Total capital adequacy ratio (%) 13.9 Tier I capital adequacy ratio (%) 11.6 Common equity tier I capital adequacy ratio (%) 11.1 Capital Adequacy Ratio (incl unappropriated profit) Total capital adequacy ratio (%) 15.5 Tier I capital adequacy ratio (%) 13.1 Common equity tier I capital adequacy ratio (%) 12.7 Leverage ratio Tier I capital (excl unappropriated profit) 103 822 Tier I capital (incl unappropriated profit) 118 053 Total exposures 1 796 023 Leverage ratio (excl unappropriated profits, %) 5.8 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%. The Standard Bank of South Africa Limited and its subsidiaries (“SBSA”) capital adequacy and leverage ratio September 2015 Rm Common equity tier I capital1 63 483 Tier I capital1 63 483 Tier II capital 17 989 Total qualifying capital1 81 472 Unappropriated Profit 3 769 Total minimum regulatory capital requirement2 56 032 Credit Risk 42 131 Counterparty credit risk 1 801 Equity Risk in the banking book 1 107 Market Risk 2 753 Operational Risk 7 794 Threshold items 447 Capital Adequacy Ratio (excl unappropriated profit) Total capital adequacy ratio (%) 14.5 Tier I capital adequacy ratio (%) 11.3 Common equity tier I capital adequacy ratio (%) 11.3 Capital Adequacy Ratio (incl unappropriated profit) Total capital adequacy ratio (%) 15.2 Tier I capital adequacy ratio (%) 12.0 Common equity tier I capital adequacy ratio (%) 12.0 Leverage ratio Tier I capital (excl unappropriated profit) 63 483 Tier I capital (incl unappropriated profit) 67 252 Total exposures 1 316 036 Leverage ratio (excl unappropriated profits, %) 4.8 Leverage ratio (incl unappropriated profits, %) 5.1 Note: 1 Excluding unappropriated profits. 2 The minimum capital requirement excludes any bank-specific capital requirement and is reported at 10%. 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 LCR was phased in at 60% on 1 January 2015 and will increase by 10% each year to 100% on 1 January 2019. Standard Bank Standard Bank of Group South Africa Consolidated 30 Solo September 2015 30 September 2015 Rm Rm Total high quality liquid assets 159 793 113 815 Net cash outflows 146 959 126 765 LCR (%) 108.7 89.8 Minimum requirement (%) 60.0 60.0 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 2015, 31 August 2015 and 30 September 2015, based on the regulatory submissions to the SARB. The information contained in this announcement has not been reviewed by or reported on by the group's auditors. Johannesburg 24 November 2015 Lead sponsor The Standard Bank of South Africa Limited Independent sponsor Deutsche Securities (SA) Proprietary Limited Namibian sponsor Simonis Storm Securities (Proprietary) Limited Date: 24/11/2015 08:00:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). 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