INTERIM RESULTS AT A GLANCE

LIBERTYCORPORATE & INVESTMENT BANKING

BANKING ACTIVITIES

STANDARD BANK GROUP 2017

HEADLINEEARNINGS

HEADLINEEARNINGS

R12 BILLION

+12%

DIVIDENDPER SHARE

RETURN ONEQUITY(ROE)

COMMON EQUITY

TIER 1 RATIO

13.7%16.1%+18%

400 CENTS

GROUP

0.96%56.3%+10%

CREDITLOSS RATIO

COST-TO-INCOME RATIO

R11 BILLION

HEADLINE EARNINGS

R6.1 BILLION

HEADLINE EARNINGSCONTRIBUTION

COST-TO-INCOME RATIO

+11%

50%

61.0%

17.7%ROE

PERSONAL & BUSINESS BANKING

HEADLINE EARNINGS

R5.3 BILLION

HEADLINE EARNINGSCONTRIBUTION

COST-TO-INCOME RATIO

HEADLINE EARNINGS ATTRIBUTABLE TO THE GROUP

R0.9 BILLION

HEADLINE EARNINGSCONTRIBUTION

+10%

44%

52.2%

21.4%

0%

7%

15.7%

#SBGRESULTS

Financial definitions

Banking activities (Rbn)Operations of the group excluding Liberty and other banking interests

Headline earnings (Rbn)The group’s primary measure of earnings after tax, minorities and other adjustments Dividend per share (cents)Dividends to ordinary shareholders declared in respect of the reported period Return on equity (%)Headline earnings divided by average ordinary shareholders’ equity Common equity tier 1 ratio (%)Common equity tier 1 regulatory capital divided by risk-weighted assets Cost-to-income ratio (%)Operating expenses divided by totalincome after revenue sharing agreements with group companies but before credit impairments Credit loss ratio (%)Total credit impairment charges on loans and advances, per the income statement, divided by average gross loans and advancesROE ROE

1

1 As determined by consolidation of Liberty into SBG.