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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