Authorised financial services and registered credit provider (NCRCP15) . The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Moving Forward is a trademark of The Standard Bank of South Africa Limited. GMS-7509

2018 COST-TO- INCOME RATIO

57.0%

CREDIT LOSS RATIO

0.56%

HEADLINEEARNINGS

R27.9 Billion

6%

DIVIDEND PER SHARE

970 CENTS

7%

GROUP

COMMON EQUITY TIER

1 RATIO

13.5%

RETURN ON EQUITY (ROE)

18.0%

PERSONAL AND BUSINESS BANKING

HEADLINE EARNINGSR15.5 BILLION 10%

HEADLINE EARNINGSCONTRIBUTION 56%

ROE 21.9%

COST-TO- INCOME RATIO 60.6%

CORPORATE AND INVESTMENT BANKING

HEADLINE EARNINGSR11.2 BILLION 2%

HEADLINE EARNINGSCONTRIBUTION 40%

ROE 19.3%

COST-TO- INCOME RATIO 54.0%

LIBERTY

HEADLINE EARNINGS(attributable to the group)

R1.6 BILLION11%

HEADLINE EARNINGSCONTRIBUTION 6%

ROE 15.2%

ANNUAL RESULTS

Authorised financial services and registered credit provider (NCRCP15) . The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Moving Forward is a trademark of The Standard Bank of South Africa Limited. GMS-7509

RATIOCOÛT-REVENU

RATIO DEPERTES SUR

CRÉDIT

BÉNÉFICESHORS ÉLÉMENTSEXCEPTIONNELS

DIVIDENDEPAR ACTION

GROUPE

RATIO DECAPITAL-ACTION

ORDINAIRE DECATÉGORIE 1

RENDEMENTDES CAPITAUXPROPRES (RCP)

SERVICES BANCAIRES AUX

BANQUE DE FINANCEMENTET D’INVESTISSEMENT

LIBERTY

RÉSULTATSANNUELS

2018 EN BREF

BÉNÉFICES HORS ÉLÉMENTSEXCEPTIONNELSR15.5 MILLIARDS DE RANDS

CONTRIBUTION DESBÉNÉFICES HORSÉLÉMENTS EXCEPTIONNELS

RCP

RATIO COÛTREVENU

CONTRIBUTION DESBÉNÉFICES HORSÉLÉMENTS EXCEPTIONNELS

RCP RCP

RATIO COÛTREVENU

BÉNÉFICES HORS ÉLÉMENTSEXCEPTIONNELSR11.2 MILLIARDS DE RANDS

CONTRIBUTION DESBÉNÉFICES HORSÉLÉMENTS EXCEPTIONNELS

BÉNÉFICES HORS ÉLÉMENTSEXCEPTIONNELS(Attribuables au groupe)

R1.6 MILLIARDS DE RANDS

57.0% 0.56%

R27.9 MILLIARDS DE RANDS

6%970 CENTIMES

7% 13.5%18.0%

10%

56%

21.9%

60.6%

2%

40%

19.3%

54.0%

11%

6%

15.2%

RÁCIO DEEFICIÊNCIA

RÁCIO DEPERDA DECRÉDITO

RENDIMENTOSGLOBAIS

DIVIDENDOSPOR ACÇÃO

GRUPO

RÁCIO DECAPITALPRÓPRIO

COMUM TIER 1

RENDIMENTODO CAPITAL

PRÓPRIO (ROE)

BANCO DE ARTICULARES E NEGÓCIOS

BANQUE DE FINANCEMENTET D’INVESTISSEMENT

LIBERTY

RÁCIO DEEFICIÊNCIA

ROE

CONTRIBUIÇÃODOSRENDIMENTOSGLOBAIS

RENDIMENTOSGLOBAISR15.5 BILHÃO

RÁCIO DEEFICIÊNCIA

ROE

CONTRIBUIÇÃODOSRENDIMENTOSGLOBAIS

RENDIMENTOSGLOBAISR11.2 BILHÃO

ROE

CONTRIBUIÇÃODOSRENDIMENTOSGLOBAIS

RENDIMENTOSGLOBAIS(atribuiveis ao grupo)

R1.6 BILHÃO

RESUMO DOSRESULTADOS

INTERMÉDIOS'

2018

57.0% 0.56%R27.9 BILHÃO

6%970 CENTAVOS

7% 13.5%18.0%

10%

56%

21.9%

60.6%

2%

40%

19.3%

54.0%

11%

6%

15.2%

Authorised financial services and registered credit provider (NCRCP15) . The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06). Moving Forward is a trademark of The Standard Bank of South Africa Limited. GMS-7509