Basel III capital adequacy, leverage ratio and liquidity coverage ratio disclosure as at 30 September 2017 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 (“Standard Bank Group” or “the group”) Basel III capital adequacy, leverage ratio and liquidity coverage ratio disclosure as at 30 September 2017. 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 2017 Rm Ordinary share capital and premium 17 872 Ordinary shareholders' reserves1 136 999 Qualifying Common Equity Tier I non-controlling interest 5 046 Regulatory deductions against Common Equity Tier I capital (33 843) Common Equity Tier I capital 126 074 Unappropriated profit 9 783 Common Equity Tier 1 capital excl. unappropriated profit 116 291 Qualifying other equity instruments 6 292 Qualifying Tier I non-controlling interest 523 Tier I capital excl. unappropriated profit 123 106 Qualifying Tier II subordinated debt 15 561 General allowance for credit impairments 2 406 Tier II capital 17 967 Total regulatory capital excl. unappropriated profit 141 073 Total minimum regulatory capital requirement2 101 029 Credit Risk 69 527 Counterparty credit risk 2 011 Equity Risk in the banking book 1 506 Market Risk 6 868 Operational Risk 16 730 Investments in financial entities 4 387 Capital Adequacy Ratio (excl. unappropriated profit) Total capital adequacy ratio (%) 15.0 Tier I capital adequacy ratio (%) 13.1 Common Equity Tier I capital adequacy ratio (%) 12.4 Capital Adequacy Ratio (incl. unappropriated profit) Total capital adequacy ratio (%) 16.1 Tier I capital adequacy ratio (%) 14.1 Common Equity Tier I capital adequacy ratio (%) 13.4 Leverage ratio Tier I capital (excl. unappropriated profit) 123 106 Tier I capital (incl. unappropriated profit) 132 889 Total exposures 1 721 359 Leverage ratio (excl. unappropriated profits, %) 7.2 Leverage ratio (incl. unappropriated profits, %) 7.7 Note: 1 Including unappropriated profits. 2 Measured at 10.75% in line with transitional requirements and excludes any bank-specific capital requirements. There is currently no requirement for the countercyclical buffer add-on in South Africa. The impact on the group’s countercyclical buffer requirement from its exposure to jurisdictions that have announced a countercyclical buffer requirement is insignificant. The Standard Bank of South Africa Limited (“SBSA”) and its subsidiaries capital adequacy and leverage ratio September 2017 Rm Common Equity Tier I capital1 71 308 Tier I capital1 74 852 Tier II capital 15 749 Total qualifying capital1 90 601 Unappropriated profit 6 893 Total minimum regulatory capital requirement2 63 262 Credit Risk 44 921 Counterparty credit risk 1 783 Equity Risk in the banking book 1 282 Market Risk 4 538 Operational Risk 9 807 Investments in financial entities 931 Capital Adequacy Ratio (excl. unappropriated profit) Total capital adequacy ratio (%) 15.4 Tier I capital adequacy ratio (%) 12.7 Common Equity tier I capital adequacy ratio (%) 12.1 Capital Adequacy Ratio (incl. unappropriated profit) Total capital adequacy ratio (%) 16.6 Tier I capital adequacy ratio (%) 13.9 Common Equity Tier I capital adequacy ratio (%) 13.3 Leverage ratio Tier I capital (excl. unappropriated profit) 74 852 Tier I capital (incl. unappropriated profit) 81 745 Total exposures 1 410 112 Leverage ratio (excl. unappropriated profits, %) 5.3 Leverage ratio (incl. unappropriated profits, %) 5.8 Note: 1 Excluding unappropriated profits. 2 Measured at 10.75% in line with transitional requirements and excludes any bank-specific capital requirements. There is currently no requirement for the countercyclical buffer add-on in South Africa. The impact on SBSA’s countercyclical buffer requirement from its exposure to jurisdictions that have announced a countercyclical buffer requirement is insignificant. 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), banks are directed to comply with the minimum disclosure on the liquidity coverage ratio (LCR) of the group and the bank 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 2017 is 80% and will increase by 10% each year to 100% on 1 January 2019. Standard Bank Group Consolidated SBSA Solo 30 September 2017 30 September 2017 Rm Rm Total high quality liquid assets 227 011 149 644 Net cash outflows 174 646 160 934 LCR (%) 130.0 93.0 Minimum requirement (%) 80.0 80.0 Note: 1. Only banking and/or deposit taking entities are included and the group data represents an aggregation of the relevant individual net cash outflows and the individual HQLA portfolios, where surplus HQLA holding in excess of the minimum requirement of 80% have been excluded from the aggregated HQLA number in the case of all Africa Regions entities. 2. The above figures reflect the simple average of 92 days of daily observations over the previous quarter ended 30 September 2017 for SBSA including SBSA Isle of Man branch, Stanbic Bank Ghana, Stanbic Bank Uganda, Standard Bank Isle of Man Limited and Standard Bank Jersey Limited. The remaining Africa Regions banking entities results are based on the average of the month-end values at 31 July 2017, 31 August 2017 and 30 September 2017. The figures are based on the regulatory submission 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 28 November 2017 Lead sponsor The Standard Bank of South Africa Limited Independent sponsor Deutsche Securities (SA) Proprietary Limited Namibian sponsor Simonis Storm Securities (Proprietary) Limited Date: 28/11/2017 08:00:00 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. 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