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1 Standard Bank Group

2 OVERVIEW OF STANDARD BANK GROUP AFRICA IS OUR HOME, WE DRIVE HER GROWTH ON-THE-GROUND PRESENCE IN 2 SUB-SAHARAN COUNTRIES OFFICES IN SIX KEY CENTRES Branches ATMs South Africa 13.1 million active customers Mauritius OFFICES IN THREE OFFSHORE HUBS STRATEGIC PARTNERSHIP WITH ICBC PERMANENT EMPLOYEES East Africa South & Central Africa West Africa Single representation/ development phase Isle of Man Jersey STRONG POSITION IN SOUTH AFRICA AS A MARKET LEADER IN MORTGAGES, CARD AND RETAIL DEPOSITS

3 FINANCIAL PERFORMANCE INCOME STATEMENT CCY FY17 Net interest income Non-interest revenue Total income Operating expenses Pre-provision profit Credit impairment charges. (22) (21) Banking activities headline earnings Other banking interests.1 (38) (19).2.6 Liberty attributable to the group.9 (3) (3).9 1. SBG headline earnings BALANCE SHEET Gross loans and advances to customers Deposits from customers Retail priced deposits Ordinary shareholders equity KEY RATIOS Net interest margin () Credit loss ratio () Jaws () (1.8) Cost-to-income ratio () CET 1 ratio () ROE () bps IFRS 9 NET INTEREST MARGIN Endowment 2 Lending book Funding book CAGR H1 1H15 1H16 HE 3 Treasury Mix/ other ROE BALANCE SHEET PROVISIONS Dec Jan Jun 218 IAS 39 IFRS 9 HEADLINE EARNINGS AND ROE CREDIT IMPAIRMENTS cps NON-INTEREST REVENUE Other revenue Trading revenue Net fee and commission revenue CREDIT IMPAIRMENT CHARGE bps IAS 39 IFRS 9 5 NPLs (LHS) PLs (LHS) Credit loss ratio (RHS) H1 1H15 1H16 Dividend DIVIDENDS CAGR +1 Payout ratio

4 BUSINESS UNITS FINANCIAL HIGHLIGHTS CCY Total income () Headline earnings () Net interest margin (bps) Credit loss ratio (bps) Jaws () (1.7) 1.2 Cost-to-income ratio () ROE () Number of employees (1) GEOGRAPHIC VIEW Headline earnings () South Africa Africa Regions.2 > >.1 Wealth International GROSS LOANS TO CUSTOMERS +3 + PERSONAL & BUSINESS BANKING RETAIL PRICED DEPOSITS CORPORATE & INVESTMENT BANKING FINANCIAL HIGHLIGHTS CCY Total income () Headline earnings () Net interest margin (bps) Credit loss ratio (bps) 3 33 Jaws () (1.5) 5.2 Cost-to-income ratio () ROE () Number of employees GROSS LOANS AND ADVANCES TO CUSTOMERS () Global Markets 17.7 (8) (8) 33.8 Investment Banking Transactional Products and Services Real Estate and PIM. (92) (92).2 HEADLINE EARNINGS BY BU TPSA AR 2 TOTAL INCOME BY REGION GM SA TPS SA 17 GM AR 22 HL VAF Card Personal Business SA Africa Regions International GM IB TPS IB 2

5 MEASURING OUR FINANCIAL PROGRESS MEDIUM TERM TARGETS Africa Regions contribution* > 3 32 GROWTH Cost-to-income ratio Approaching Credit loss ratio 8 bps 7bps LCR and NSFR > > RESILIENCE CET 1 ratio Group HE growth Sustainable growth +5 RETURNS ROE * Contribution to banking headline earnings

6 LEGAL ENTITIES CONTRIBUTION BY LEGAL ENTITY HE NAV ROE Standard Bank of South Africa (SBSA) Africa Regions SBSA GROSS LOANS TO CUSTOMERS +2 Standard Bank Wealth International..9 Other Banking activities Other banking interests ICBC Standard Bank ( share) (.1) 6.2 ICBC Argentina (2 share).2 1. Liberty PBB CIB Standard Bank Group FINANCIAL HIGHLIGHTS SBSA MARKET SHARE Total income () Headline earnings () 7.2 (3) 7. Gross loans to customers () # 1 # 1 # 1 Deposits from customers () Credit loss ratio (bps) 8 88 Cost-to-income ratio () Loan-to-deposit ratio () CET 1 ratio () ROE () H1 1H15 1H16 Mortgage loans VAF Card Other loans Retails deposits

7 AFRICA REGIONS Headline earnings Rm CCY Rm Africa Regions East South & Central West ROE Africa Regions East South & Central West HEADLINE EARNINGS 6 62 AFRICA REGIONS CONTRIBUTION TO BANKING ACTIVITIES 25 6 EQUITY * * Acquired an an additional in in Stanbic IBTC IBTC in May in May 218, 218, increasing our our stake stake to 6 to 6 ** ** Acquired an an additional 8 8 in in Stanbic Holdings early in early July July 218, 218, increasing our our stake stake to 68 to Top 5 contributors to Africa Regions headline earnings: Angola Ghana Mozambique Nigeria Uganda NET LOANS AND ADVANCES TO CUSTOMERS 2 TOTAL INCOME PBB CIB PBB CIB 86 SBSA West South & Central East Africa Regions Other STANBIC BANK (UGANDA), 8 SHARE Total income (UGX bn) Profit after tax (UGX bn) Credit loss ratio ().9 1. Cost-to-income ratio () Loan-to-deposit ratio () 6 62 ROE () Ranking by assets # 1 STANBIC IBTC HOLDINGS (NIGERIA), 6 SHARE* Total income (NGN bn) Profit after tax (NGN bn) Credit loss ratio () (2.6) 7.3 Cost-to-income ratio () 52 7 Loan-to-deposit ratio () 6 7 ROE () 3 31 Ranking by assets # 8 STANBIC HOLDINGS (KENYA), 68 SHARE** Total income (KES bn) Profit after tax (KES bn) 3.6 > 1.7 Credit loss ratio (). 3.1 Cost-to-income ratio () Loan-to-deposit ratio () 82 9 ROE () 17 9 Ranking by assets # 7

8 CUSTOMERS AND TRANSACTIONAL BEHAVIOUR EQUITY INFORMATION ACTIVE CUSTOMERS INSTANT MONEY USERS Listings: JSE (SBK); NSE (SNB) Share price*: ZAR / USD Market cap*: ZAR 3bn / USD23bn Issued shares*: million Liquidity: ~ 6 * As at 3 June millions FY17 SA TRANSACTIONS millions AR TRANSACTIONS Jul 17 Aug 17 Sep 17 Oct 17 Nov 17 Dec 17 Jan 18 Feb 18 Mar 18 Apr 18 May 18 Jun 18 millions ZAR Volume Share price GEOGRAPHIC SPREAD OF SHAREHOLDERS millions H17 2H17 MOBILE TRANSACTIONS United Kingdom 2 North America 17 Europe 5 Other 5 South Africa 8 For more information: Sarah Rivett-Carnac Sarah.rivett-carnac@standardbank.co.za Office: Mobile: Asia 23 millions 2H17 2H17 South Africa Africa Regions Face-to-face Digital