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MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
FINANCIAL PERFORMANCEINCOME STATEMENT
changeCCY
%change
%1H19Rbn
1H18Rbn
FY18Rbn
Net interest income 8 9 31.3 28.7 59.6
Non-interest revenue 3 4 23.0 22.0 45.7
Total income 6 7 54.3 50.7 105.3
Operating expenses 4 6 (30.9) (29.2) (60.1)
Pre-provision profit 8 9 23.4 21.5 45.2
Credit impairment charges 22 20 (4.2) (3.5) (6.5)
Banking activities headline earnings 8 10 12.8 11.7 25.8
Other banking interests (>100) (>100) (0.3) 0.1 0.4
Liberty attributable to the group 2 2 0.9 0.9 1.6
SBG headline earnings 5 6 13.4 12.7 27.9
BALANCE SHEET
Gross loans and advances to customers 9 9 1 079.3 992.9 1 046.5
Deposits from customers 12 11 1 298.4 1 174.6 1 255.2
Retail priced deposits 5 4 465.0 448.6 468.0
Ordinary shareholders’ equity 10 9 149.8 137.7 146.4
KEY RATIOS Medium-term targets
Net interest margin (bps) – 440 443 458
Credit loss ratio (bps) 70 – 100 bps 76 62 56
Jaws (bps) Positive 109 (276) (276)
Cost-to-income ratio (%) Approaching 50% 57.0 57.6 57.0
CET 1 ratio (%) 11.0 – 12.5% 14.0 13.8 13.5
ROE (%) 18.0 – 20.0% 16.2 16.8 18.0
R255; G184; B29
R124; G134; B141
R177; G80; B197
R0; G51; B161
R102; G94; B199
R169; G158; B114
R170; G0; B80
R0; G161; B224
R255; G104; B29
R162; G140; B92
11 17 24
2018 2017 2016
282 356 444
2018 2017 2016 millions
Listings: JSE (SBK); NSE (SNB) Share price*: ZAR 191.87 / USD 13.95 Market cap*: ZAR 310bn / USD23bn Issued shares*: 1 595 million Liquidity: ~ 60% * As at 31 December 2018
For more information: www.standardbank.com/reporting Sarah Rivett-Carnac [email protected] Office: +27 11 631 6897 Mobile: +27 82 359 2383
0
2
4
6
8
10
12
14
16
18
20
100
150
200
250
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
8.1 8.1
4.7 5.0
2018 2017 millions
ACTIVE CUSTOMERS
+4.9%
+0.4%
20 19 19
96 113
127
2018 2017 2016
AR TRANSACTIONS
+58% +118%
MOBILE TRANSACTIONS
+25%
15 15 13
748 832
950
2018 2017 2016 millions
SA TRANSACTIONS +26%
CUSTOMERS AND TRANSACTIONAL BEHAVIOUR
0.9
1.1
2018 2017 millions
INSTANT MONEY USERS
Face-to-face South Africa Africa Regions Digital
EQUITY INFORMATION
South Africa 48%
Asia 23%
North America
17%
United Kingdom
2%
Europe 5%
Other 5%
GEOGRAPHIC SPREAD OF SHAREHOLDERS
R255; G184; B29
R124; G134; B141
R177; G80; B197
R0; G51; B161
R102; G94; B199
R169; G158; B114
R170; G0; B80
R0; G161; B224
R255; G104; B29
R162; G140; B92
11 17 24
2018 2017 2016
282 356 444
2018 2017 2016 millions
Listings: JSE (SBK); NSE (SNB) Share price*: ZAR 191.87 / USD 13.95 Market cap*: ZAR 310bn / USD23bn Issued shares*: 1 595 million Liquidity: ~ 60% * As at 31 December 2018
For more information: www.standardbank.com/reporting Sarah Rivett-Carnac [email protected] Office: +27 11 631 6897 Mobile: +27 82 359 2383
0
2
4
6
8
10
12
14
16
18
20
100
150
200
250
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
8.1 8.1
4.7 5.0
2018 2017 millions
ACTIVE CUSTOMERS
+4.9%
+0.4%
20 19 19
96 113
127
2018 2017 2016
AR TRANSACTIONS
+58% +118%
MOBILE TRANSACTIONS
+25%
15 15 13
748 832
950
2018 2017 2016 millions
SA TRANSACTIONS +26%
CUSTOMERS AND TRANSACTIONAL BEHAVIOUR
0.9
1.1
2018 2017 millions
INSTANT MONEY USERS
Face-to-face South Africa Africa Regions Digital
EQUITY INFORMATION
South Africa 48%
Asia 23%
North America
17%
United Kingdom
2%
Europe 5%
Other 5%
GEOGRAPHIC SPREAD OF SHAREHOLDERS
Listings: JSE (SBK), A2X (SBK); NSE (SNB) Issued shares*: 1 619 millionShare price*: ZAR 196.67 / USD 13.94 Liquidity*: ~58%Market cap*: ZAR 318bn / USD 23bn * As at 30 June 2019
For more information:www.standardbank.com/reporting
Sarah [email protected]: +27 82 359 2383
Client centricity Digitisation Integrated group
FOCUS AREAS
OUR STRATEGYOur strategy remains unchanged, but continues to respond to our
operating context, our stakeholders’ needs and the related material issues.
OUR PURPOSEAfrica is our home, we drive her growth
MEASURING OUR PROGRESSOur strategic value drivers help us focus our efforts and measure our progress on delivering our strategy. These are delivered by all
our business units and corporate functions.
CLIENT FOCUS
EMPLOYEE ENGAGEMENT
RISK AND CONDUCT
FINANCIAL OUTCOMES
SEE IMPACT
GEOGRAPHIC SPREAD OF SHAREHOLDERS, %
AfricaAsiaNorth AmericaOtherEuropeUK
492516
532
1H19
95
100
105
110
115
120
125
Standard Bank MSCI EM Index MSCI World Financials
SBK VS EMERGING MARKETS AND WORLD FINANCIALS, USD
January 2019 June 201995
100
105
110
115
120
125
Standard Bank JSE Banks Index JSE All Share Index
SBK VS JSE BANKS AND ALL SHARE INDEX, ZAR
January 2019 June 2019
HEADLINE EARNINGS CONTRIBUTION
PB
B
CIB
OB
I
SB
G
Libe
rty
Cen
tre
Ban
king
ac
tivi
ties
7.2
+8%
+9%+10%
+6%
6.2
(0.6) (0.3)0.9
13.412.8
Rbn
RETURN ON EQUITY
15.3
15.1
15.2
14.4
16.8
16.1
17.5
16.8
17.5
16.2
1H15 1H16 1H17 1H18 1H19%
SBGBanking activities
DIVIDENDS
1H15
303 340 430 454400
4750
54 5453
1H16 1H17 1H18 1H19
CAGR +11%
Dividend Payout ratio
cps %
CREDIT LOSS RATIO
62
76
Through-the-cycle range
1H18 1H19
70 bps
100 bps
bps
TOTAL INCOME
28.7
22.0
31.3
23.0+4%
+7%
+9%
1H18 1H19
NIRNII
Rbn
OPERATING EXPENSES
12.6
16.7
13.5
17.4+5%
+6%
Positive JAWS 109bps
+8%
1H18 1H19
Sta� Other
Rbn
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
AN AFRICAN-FOCUSED, CLIENT-CENTRIC, DIGITALLY ENABLED
INTEGRATED FINANCIAL SOLUTIONS PROVIDER
30 JUNE 2019
Standard Bank Group
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
Emerging Markets ESG Index
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
EQUITY INFORMATION
GEOGRAPHIC SPREAD OF SHAREHOLDERS, %MEMBER SUSTAINABILITY INDICES
ESG RATINGS
OVERVIEW OF STANDARD BANK GROUPAFRICA IS OUR HOME, WE DRIVE HER GROWTH
BUSINESS UNITS
GEOGRAPHIES
1 115Branches
Modernised core banking
platforms
Digital capabilities
PRESENCE IN INTERNATIONAL MARKETS:• Beijing• Dubai
• London• New York
• São Paulo
INTERNATIONAL FINANCIAL SERVICES:• Isle of Man• Jersey
• Mauritius
20 countries in Africa
Presence in
34 of banking activities’ headline earnings
Africa Regions contributed
Strategic partnership with ICBC
13.2 million active customers
9 013 ATMs
l East Africa
l South & Central Africa
l West Africa
l South Africa
l Single representation/ development phase
Standard Bank
StanbicBank
Recognised brand
CORPORATE & INVESTMENT BANKING
FINANCIAL HIGHLIGHTS
change CCY
%change
% 1H19 1H18 FY18
Total income (Rbn) 5 7 10.2 9.4 19.2Headline earnings (Rbn) 6 9 6.2 5.7 11.2Net interest margin (bps) 281 292 287Credit loss ratio to customers (bps) 40 4 20Jaws (bps) 156 (199) (419)Cost-to-income ratio (%) 52.3 53.1 54.1ROE (%) 19.3 20.5 19.2Number of employees (3) 3 667 3 763 3 755
GROSS LOANS AND ADVANCES TO CUSTOMERS (RBN)
Global Markets 55 53 27.0 17.7 27.0Investment Banking 10 10 340.7 308.5 324.6Transactional Products and Services 34 28 48.5 38.0 46.8
PBB FRANCHISE
TRANSACTIONAL VOLUMES
SOUTH AFRICA change
%
AFRICA REGIONS change
%
Face-to-face -13 -15Digital +6 +23
– ATM -4 +8 – POS +7 +20 – Business +2 +43 – Mobile +47 +57
INFRASTRUCTUREchange
%change
%
Branches # -17 +1Branch sqm -16 –ATMs # -3 +10CUSTOMERS (m)Active customers 8.0 5.2Instant Money (no other relationship) 1.7 –
CONTRIBUTION BY LEGAL ENTITY
HE1H19Rbn
NAV1H19Rbn
ROE1H19
%
Standard Bank of South Africa (SBSA) 7.5 98.0 15.2Africa Regions 4.3 39.3 22.3Standard Bank Wealth International 0.7 6.2Other 0.3 6.3
Banking activities 12.8 149.8 17.5Other banking interests (0.3) 7.2
ICBC Standard Bank (40% share) (0.8) 5.6ICBC Argentina (20% share) 0.4 1.6
Liberty 0.9 11.1 15.9
Standard Bank Group 13.4 168.0 16.2
BANKING REVENUE, %
1H19 2016■ South Africa 62 63■ Africa Regions 34 34■ Wealth International 4 3
2016
1H19
GROUP HEADLINE EARNINGS, %
1H19 2016■ South Africa 55 66■ Africa Regions 32 25■ Wealth International 5 2■ Liberty 6 4■ Other group entities 2 3■ Legacy assets 0 0
2016
1H19
GROUP NET ASSET VALUE, %
1H19 2016■ South Africa 58 64■ Africa Regions 23 18■ Wealth International 4 2■ Liberty 7 7■ Other group entities 4 5■ Legacy assets 4 4
2016
1H19
PERSONAL & BUSINESS BANKING
FINANCIAL HIGHLIGHTS
change CCY
%change
% 1H19 1H18 FY18
Total income (Rbn) 5 6 35.7 33.6 69.8Headline earnings (Rbn) 7 8 7.2 6.7 15.6Net interest margin (bps) 595 575 599Credit loss ratio (bps) 105 99 81Jaws (bps) 86 278 261Cost-to-income ratio (%) 60.9 61.4 60.5ROE (%) 19.9 19.6 21.9Number of employees (5) 26 570 27 862 27 470
GEOGRAPHIC VIEWHeadline earnings (Rbn)
South Africa 0 0 6.1 6.1 13.7Africa Regions >100 >100 0.5 0.2 0.8Wealth International 42 54 0.7 0.4 1.0
GEOGRAPHIC REVENUE
change CCY
%change
%
South Africa 9 9East Africa 27 42South & Central Africa (2) 4West Africa 16 15
PRODUCT REVENUE
change CCY
%change
%
Global Markets 5 6Investment Banking 6 10Transactional Products and Services 8 11
SBSA
FINANCIAL HIGHLIGHTSchange
% 1H19 1H18 FY18
Total income (Rbn) 3 35.1 34.1 69.8Headline earnings (Rbn) 3 7.4 7.2 16.0
Loans to customers (Rbn) 9 904.1 832.3 869.6Deposits from customers (Rbn) 13 991.5 878.9 937.5
Credit loss ratio (bps) 73 68 56Cost-to-income ratio (%) 61.7 61.1 60.3Loan-to-deposit ratio (%) 90.5 90.1 87.2CET 1 ratio (%) 13.1 13.2 12.7ROE (%) 15.2 15.2 16.7
AFRICA REGIONS
HEADLINE EARNINGS
change CCY
%change
%1H19
Rm1H18
RmFY18
Rm
Africa Regions 11 15 4 322 3 771 8 025East 36 60 868 543 1 228South & Central 1 2 1 834 1 806 3 858West 13 14 1 620 1 422 2 939
ROE1H19
%1H18
%
Africa Regions 22.3 25.4East 20.2 18.8South & Central 21.7 24.7West 24.5 30.8
CIB REVENUE DRIVERS
DEPOSITS FROM CUSTOMERS
879 992 212 227
SA AR
+7%
+13%1H191H18
Rbn
LOANS AND ADVANCES FROM CUSTOMERS
832 904 115 128
SA AR
+11%
+9%1H191H18
Rbn
SECTOR REVENUE
+13%FI
-1%Consumer
+8%P&I
+3%Industrials
+8%M&M
+16%0&G
+31%TMT
+54%S&PS
+11%Real Estate
+31%Other
Rbn
>46 000 permanent employees
Valued people
OVERVIEW OF STANDARD BANK GROUPAFRICA IS OUR HOME, WE DRIVE HER GROWTH
BUSINESS UNITS
GEOGRAPHIES
1 115Branches
Modernised core banking
platforms
Digital capabilities
PRESENCE IN INTERNATIONAL MARKETS:• Beijing• Dubai
• London• New York
• São Paulo
INTERNATIONAL FINANCIAL SERVICES:• Isle of Man• Jersey
• Mauritius
20 countries in Africa
Presence in
34 of banking activities’ headline earnings
Africa Regions contributed
Strategic partnership with ICBC
13.2 million active customers
9 013 ATMs
l East Africa
l South & Central Africa
l West Africa
l South Africa
l Single representation/ development phase
Standard Bank
StanbicBank
Recognised brand
CORPORATE & INVESTMENT BANKING
FINANCIAL HIGHLIGHTS
change CCY
%change
% 1H19 1H18 FY18
Total income (Rbn) 5 7 10.2 9.4 19.2Headline earnings (Rbn) 6 9 6.2 5.7 11.2Net interest margin (bps) 281 292 287Credit loss ratio to customers (bps) 40 4 20Jaws (bps) 156 (199) (419)Cost-to-income ratio (%) 52.3 53.1 54.1ROE (%) 19.3 20.5 19.2Number of employees (3) 3 667 3 763 3 755
GROSS LOANS AND ADVANCES TO CUSTOMERS (RBN)
Global Markets 55 53 27.0 17.7 27.0Investment Banking 10 10 340.7 308.5 324.6Transactional Products and Services 34 28 48.5 38.0 46.8
PBB FRANCHISE
TRANSACTIONAL VOLUMES
SOUTH AFRICA change
%
AFRICA REGIONS change
%
Face-to-face -13 -15Digital +6 +23
– ATM -4 +8 – POS +7 +20 – Business +2 +43 – Mobile +47 +57
INFRASTRUCTUREchange
%change
%
Branches # -17 +1Branch sqm -16 –ATMs # -3 +10CUSTOMERS (m)Active customers 8.0 5.2Instant Money (no other relationship) 1.7 –
CONTRIBUTION BY LEGAL ENTITY
HE1H19Rbn
NAV1H19Rbn
ROE1H19
%
Standard Bank of South Africa (SBSA) 7.5 98.0 15.2Africa Regions 4.3 39.3 22.3Standard Bank Wealth International 0.7 6.2Other 0.3 6.3
Banking activities 12.8 149.8 17.5Other banking interests (0.3) 7.2
ICBC Standard Bank (40% share) (0.8) 5.6ICBC Argentina (20% share) 0.4 1.6
Liberty 0.9 11.1 15.9
Standard Bank Group 13.4 168.0 16.2
BANKING REVENUE, %
1H19 2016■ South Africa 62 63■ Africa Regions 34 34■ Wealth International 4 3
2016
1H19
GROUP HEADLINE EARNINGS, %
1H19 2016■ South Africa 55 66■ Africa Regions 32 25■ Wealth International 5 2■ Liberty 6 4■ Other group entities 2 3■ Legacy assets 0 0
2016
1H19
GROUP NET ASSET VALUE, %
1H19 2016■ South Africa 58 64■ Africa Regions 23 18■ Wealth International 4 2■ Liberty 7 7■ Other group entities 4 5■ Legacy assets 4 4
2016
1H19
PERSONAL & BUSINESS BANKING
FINANCIAL HIGHLIGHTS
change CCY
%change
% 1H19 1H18 FY18
Total income (Rbn) 5 6 35.7 33.6 69.8Headline earnings (Rbn) 7 8 7.2 6.7 15.6Net interest margin (bps) 595 575 599Credit loss ratio (bps) 105 99 81Jaws (bps) 86 278 261Cost-to-income ratio (%) 60.9 61.4 60.5ROE (%) 19.9 19.6 21.9Number of employees (5) 26 570 27 862 27 470
GEOGRAPHIC VIEWHeadline earnings (Rbn)
South Africa 0 0 6.1 6.1 13.7Africa Regions >100 >100 0.5 0.2 0.8Wealth International 42 54 0.7 0.4 1.0
GEOGRAPHIC REVENUE
change CCY
%change
%
South Africa 9 9East Africa 27 42South & Central Africa (2) 4West Africa 16 15
PRODUCT REVENUE
change CCY
%change
%
Global Markets 5 6Investment Banking 6 10Transactional Products and Services 8 11
SBSA
FINANCIAL HIGHLIGHTSchange
% 1H19 1H18 FY18
Total income (Rbn) 3 35.1 34.1 69.8Headline earnings (Rbn) 3 7.4 7.2 16.0
Loans to customers (Rbn) 9 904.1 832.3 869.6Deposits from customers (Rbn) 13 991.5 878.9 937.5
Credit loss ratio (bps) 73 68 56Cost-to-income ratio (%) 61.7 61.1 60.3Loan-to-deposit ratio (%) 90.5 90.1 87.2CET 1 ratio (%) 13.1 13.2 12.7ROE (%) 15.2 15.2 16.7
AFRICA REGIONS
HEADLINE EARNINGS
change CCY
%change
%1H19
Rm1H18
RmFY18
Rm
Africa Regions 11 15 4 322 3 771 8 025East 36 60 868 543 1 228South & Central 1 2 1 834 1 806 3 858West 13 14 1 620 1 422 2 939
ROE1H19
%1H18
%
Africa Regions 22.3 25.4East 20.2 18.8South & Central 21.7 24.7West 24.5 30.8
CIB REVENUE DRIVERS
DEPOSITS FROM CUSTOMERS
879 992 212 227
SA AR
+7%
+13%1H191H18
Rbn
LOANS AND ADVANCES FROM CUSTOMERS
832 904 115 128
SA AR
+11%
+9%1H191H18
Rbn
SECTOR REVENUE
+13%FI
-1%Consumer
+8%P&I
+3%Industrials
+8%M&M
+16%0&G
+31%TMT
+54%S&PS
+11%Real Estate
+31%Other
Rbn
>46 000 permanent employees
Valued people
OVERVIEW OF STANDARD BANK GROUPAFRICA IS OUR HOME, WE DRIVE HER GROWTH
BUSINESS UNITS
GEOGRAPHIES
1 115Branches
Modernised core banking
platforms
Digital capabilities
PRESENCE IN INTERNATIONAL MARKETS:• Beijing• Dubai
• London• New York
• São Paulo
INTERNATIONAL FINANCIAL SERVICES:• Isle of Man• Jersey
• Mauritius
20 countries in Africa
Presence in
34 of banking activities’ headline earnings
Africa Regions contributed
Strategic partnership with ICBC
13.2 million active customers
9 013 ATMs
l East Africa
l South & Central Africa
l West Africa
l South Africa
l Single representation/ development phase
Standard Bank
StanbicBank
Recognised brand
CORPORATE & INVESTMENT BANKING
FINANCIAL HIGHLIGHTS
change CCY
%change
% 1H19 1H18 FY18
Total income (Rbn) 5 7 10.2 9.4 19.2Headline earnings (Rbn) 6 9 6.2 5.7 11.2Net interest margin (bps) 281 292 287Credit loss ratio to customers (bps) 40 4 20Jaws (bps) 156 (199) (419)Cost-to-income ratio (%) 52.3 53.1 54.1ROE (%) 19.3 20.5 19.2Number of employees (3) 3 667 3 763 3 755
GROSS LOANS AND ADVANCES TO CUSTOMERS (RBN)
Global Markets 55 53 27.0 17.7 27.0Investment Banking 10 10 340.7 308.5 324.6Transactional Products and Services 34 28 48.5 38.0 46.8
PBB FRANCHISE
TRANSACTIONAL VOLUMES
SOUTH AFRICA change
%
AFRICA REGIONS change
%
Face-to-face -13 -15Digital +6 +23
– ATM -4 +8 – POS +7 +20 – Business +2 +43 – Mobile +47 +57
INFRASTRUCTUREchange
%change
%
Branches # -17 +1Branch sqm -16 –ATMs # -3 +10CUSTOMERS (m)Active customers 8.0 5.2Instant Money (no other relationship) 1.7 –
CONTRIBUTION BY LEGAL ENTITY
HE1H19Rbn
NAV1H19Rbn
ROE1H19
%
Standard Bank of South Africa (SBSA) 7.5 98.0 15.2Africa Regions 4.3 39.3 22.3Standard Bank Wealth International 0.7 6.2Other 0.3 6.3
Banking activities 12.8 149.8 17.5Other banking interests (0.3) 7.2
ICBC Standard Bank (40% share) (0.8) 5.6ICBC Argentina (20% share) 0.4 1.6
Liberty 0.9 11.1 15.9
Standard Bank Group 13.4 168.0 16.2
BANKING REVENUE, %
1H19 2016■ South Africa 62 63■ Africa Regions 34 34■ Wealth International 4 3
2016
1H19
GROUP HEADLINE EARNINGS, %
1H19 2016■ South Africa 55 66■ Africa Regions 32 25■ Wealth International 5 2■ Liberty 6 4■ Other group entities 2 3■ Legacy assets 0 0
2016
1H19
GROUP NET ASSET VALUE, %
1H19 2016■ South Africa 58 64■ Africa Regions 23 18■ Wealth International 4 2■ Liberty 7 7■ Other group entities 4 5■ Legacy assets 4 4
2016
1H19
PERSONAL & BUSINESS BANKING
FINANCIAL HIGHLIGHTS
change CCY
%change
% 1H19 1H18 FY18
Total income (Rbn) 5 6 35.7 33.6 69.8Headline earnings (Rbn) 7 8 7.2 6.7 15.6Net interest margin (bps) 595 575 599Credit loss ratio (bps) 105 99 81Jaws (bps) 86 278 261Cost-to-income ratio (%) 60.9 61.4 60.5ROE (%) 19.9 19.6 21.9Number of employees (5) 26 570 27 862 27 470
GEOGRAPHIC VIEWHeadline earnings (Rbn)
South Africa 0 0 6.1 6.1 13.7Africa Regions >100 >100 0.5 0.2 0.8Wealth International 42 54 0.7 0.4 1.0
GEOGRAPHIC REVENUE
change CCY
%change
%
South Africa 9 9East Africa 27 42South & Central Africa (2) 4West Africa 16 15
PRODUCT REVENUE
change CCY
%change
%
Global Markets 5 6Investment Banking 6 10Transactional Products and Services 8 11
SBSA
FINANCIAL HIGHLIGHTSchange
% 1H19 1H18 FY18
Total income (Rbn) 3 35.1 34.1 69.8Headline earnings (Rbn) 3 7.4 7.2 16.0
Loans to customers (Rbn) 9 904.1 832.3 869.6Deposits from customers (Rbn) 13 991.5 878.9 937.5
Credit loss ratio (bps) 73 68 56Cost-to-income ratio (%) 61.7 61.1 60.3Loan-to-deposit ratio (%) 90.5 90.1 87.2CET 1 ratio (%) 13.1 13.2 12.7ROE (%) 15.2 15.2 16.7
AFRICA REGIONS
HEADLINE EARNINGS
change CCY
%change
%1H19
Rm1H18
RmFY18
Rm
Africa Regions 11 15 4 322 3 771 8 025East 36 60 868 543 1 228South & Central 1 2 1 834 1 806 3 858West 13 14 1 620 1 422 2 939
ROE1H19
%1H18
%
Africa Regions 22.3 25.4East 20.2 18.8South & Central 21.7 24.7West 24.5 30.8
CIB REVENUE DRIVERS
DEPOSITS FROM CUSTOMERS
879 992 212 227
SA AR
+7%
+13%1H191H18
Rbn
LOANS AND ADVANCES FROM CUSTOMERS
832 904 115 128
SA AR
+11%
+9%1H191H18
Rbn
SECTOR REVENUE
+13%FI
-1%Consumer
+8%P&I
+3%Industrials
+8%M&M
+16%0&G
+31%TMT
+54%S&PS
+11%Real Estate
+31%Other
Rbn
>46 000 permanent employees
Valued people
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
FINANCIAL PERFORMANCEINCOME STATEMENT
changeCCY
%change
%1H19Rbn
1H18Rbn
FY18Rbn
Net interest income 8 9 31.3 28.7 59.6
Non-interest revenue 3 4 23.0 22.0 45.7
Total income 6 7 54.3 50.7 105.3
Operating expenses 4 6 (30.9) (29.2) (60.1)
Pre-provision profit 8 9 23.4 21.5 45.2
Credit impairment charges 22 20 (4.2) (3.5) (6.5)
Banking activities headline earnings 8 10 12.8 11.7 25.8
Other banking interests (>100) (>100) (0.3) 0.1 0.4
Liberty attributable to the group 2 2 0.9 0.9 1.6
SBG headline earnings 5 6 13.4 12.7 27.9
BALANCE SHEET
Gross loans and advances to customers 9 9 1 079.3 992.9 1 046.5
Deposits from customers 12 11 1 298.4 1 174.6 1 255.2
Retail priced deposits 5 4 465.0 448.6 468.0
Ordinary shareholders’ equity 10 9 149.8 137.7 146.4
KEY RATIOS Medium-term targets
Net interest margin (bps) – 440 443 458
Credit loss ratio (bps) 70 – 100 bps 76 62 56
Jaws (bps) Positive 109 (276) (276)
Cost-to-income ratio (%) Approaching 50% 57.0 57.6 57.0
CET 1 ratio (%) 11.0 – 12.5% 14.0 13.8 13.5
ROE (%) 18.0 – 20.0% 16.2 16.8 18.0
R255; G184; B29
R124; G134; B141
R177; G80; B197
R0; G51; B161
R102; G94; B199
R169; G158; B114
R170; G0; B80
R0; G161; B224
R255; G104; B29
R162; G140; B92
11 17 24
2018 2017 2016
282 356 444
2018 2017 2016 millions
Listings: JSE (SBK); NSE (SNB) Share price*: ZAR 191.87 / USD 13.95 Market cap*: ZAR 310bn / USD23bn Issued shares*: 1 595 million Liquidity: ~ 60% * As at 31 December 2018
For more information: www.standardbank.com/reporting Sarah Rivett-Carnac [email protected] Office: +27 11 631 6897 Mobile: +27 82 359 2383
0
2
4
6
8
10
12
14
16
18
20
100
150
200
250
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
8.1 8.1
4.7 5.0
2018 2017 millions
ACTIVE CUSTOMERS
+4.9%
+0.4%
20 19 19
96 113
127
2018 2017 2016
AR TRANSACTIONS
+58% +118%
MOBILE TRANSACTIONS
+25%
15 15 13
748 832
950
2018 2017 2016 millions
SA TRANSACTIONS +26%
CUSTOMERS AND TRANSACTIONAL BEHAVIOUR
0.9
1.1
2018 2017 millions
INSTANT MONEY USERS
Face-to-face South Africa Africa Regions Digital
EQUITY INFORMATION
South Africa 48%
Asia 23%
North America
17%
United Kingdom
2%
Europe 5%
Other 5%
GEOGRAPHIC SPREAD OF SHAREHOLDERS
R255; G184; B29
R124; G134; B141
R177; G80; B197
R0; G51; B161
R102; G94; B199
R169; G158; B114
R170; G0; B80
R0; G161; B224
R255; G104; B29
R162; G140; B92
11 17 24
2018 2017 2016
282 356 444
2018 2017 2016 millions
Listings: JSE (SBK); NSE (SNB) Share price*: ZAR 191.87 / USD 13.95 Market cap*: ZAR 310bn / USD23bn Issued shares*: 1 595 million Liquidity: ~ 60% * As at 31 December 2018
For more information: www.standardbank.com/reporting Sarah Rivett-Carnac [email protected] Office: +27 11 631 6897 Mobile: +27 82 359 2383
0
2
4
6
8
10
12
14
16
18
20
100
150
200
250
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
8.1 8.1
4.7 5.0
2018 2017 millions
ACTIVE CUSTOMERS
+4.9%
+0.4%
20 19 19
96 113
127
2018 2017 2016
AR TRANSACTIONS
+58% +118%
MOBILE TRANSACTIONS
+25%
15 15 13
748 832
950
2018 2017 2016 millions
SA TRANSACTIONS +26%
CUSTOMERS AND TRANSACTIONAL BEHAVIOUR
0.9
1.1
2018 2017 millions
INSTANT MONEY USERS
Face-to-face South Africa Africa Regions Digital
EQUITY INFORMATION
South Africa 48%
Asia 23%
North America
17%
United Kingdom
2%
Europe 5%
Other 5%
GEOGRAPHIC SPREAD OF SHAREHOLDERS
Listings: JSE (SBK), A2X (SBK); NSE (SNB) Issued shares*: 1 619 millionShare price*: ZAR 196.67 / USD 13.94 Liquidity*: ~58%Market cap*: ZAR 318bn / USD 23bn * As at 30 June 2019
For more information:www.standardbank.com/reporting
Sarah [email protected]: +27 82 359 2383
Client centricity Digitisation Integrated group
FOCUS AREAS
OUR STRATEGYOur strategy remains unchanged, but continues to respond to our
operating context, our stakeholders’ needs and the related material issues.
OUR PURPOSEAfrica is our home, we drive her growth
MEASURING OUR PROGRESSOur strategic value drivers help us focus our efforts and measure our progress on delivering our strategy. These are delivered by all
our business units and corporate functions.
CLIENT FOCUS
EMPLOYEE ENGAGEMENT
RISK AND CONDUCT
FINANCIAL OUTCOMES
SEE IMPACT
GEOGRAPHIC SPREAD OF SHAREHOLDERS, %
AfricaAsiaNorth AmericaOtherEuropeUK
492516
532
1H19
95
100
105
110
115
120
125
Standard Bank MSCI EM Index MSCI World Financials
SBK VS EMERGING MARKETS AND WORLD FINANCIALS, USD
January 2019 June 201995
100
105
110
115
120
125
Standard Bank JSE Banks Index JSE All Share Index
SBK VS JSE BANKS AND ALL SHARE INDEX, ZAR
January 2019 June 2019
HEADLINE EARNINGS CONTRIBUTION
PB
B
CIB
OB
I
SB
G
Libe
rty
Cen
tre
Ban
king
ac
tivi
ties
7.2
+8%
+9%+10%
+6%
6.2
(0.6) (0.3)0.9
13.412.8
Rbn
RETURN ON EQUITY
15.3
15.1
15.2
14.4
16.8
16.1
17.5
16.8
17.5
16.2
1H15 1H16 1H17 1H18 1H19%
SBGBanking activities
DIVIDENDS
1H15
303 340 430 454400
4750
54 5453
1H16 1H17 1H18 1H19
CAGR +11%
Dividend Payout ratio
cps %
CREDIT LOSS RATIO
62
76
Through-the-cycle range
1H18 1H19
70 bps
100 bps
bps
TOTAL INCOME
28.7
22.0
31.3
23.0+4%
+7%
+9%
1H18 1H19
NIRNII
Rbn
OPERATING EXPENSES
12.6
16.7
13.5
17.4+5%
+6%
Positive JAWS 109bps
+8%
1H18 1H19
Sta� Other
Rbn
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
AN AFRICAN-FOCUSED, CLIENT-CENTRIC, DIGITALLY ENABLED
INTEGRATED FINANCIAL SOLUTIONS PROVIDER
30 JUNE 2019
Standard Bank Group
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
Emerging Markets ESG Index
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
EQUITY INFORMATION
GEOGRAPHIC SPREAD OF SHAREHOLDERS, %MEMBER SUSTAINABILITY INDICES
ESG RATINGS
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
FINANCIAL PERFORMANCEINCOME STATEMENT
changeCCY
%change
%1H19Rbn
1H18Rbn
FY18Rbn
Net interest income 8 9 31.3 28.7 59.6
Non-interest revenue 3 4 23.0 22.0 45.7
Total income 6 7 54.3 50.7 105.3
Operating expenses 4 6 (30.9) (29.2) (60.1)
Pre-provision profit 8 9 23.4 21.5 45.2
Credit impairment charges 22 20 (4.2) (3.5) (6.5)
Banking activities headline earnings 8 10 12.8 11.7 25.8
Other banking interests (>100) (>100) (0.3) 0.1 0.4
Liberty attributable to the group 2 2 0.9 0.9 1.6
SBG headline earnings 5 6 13.4 12.7 27.9
BALANCE SHEET
Gross loans and advances to customers 9 9 1 079.3 992.9 1 046.5
Deposits from customers 12 11 1 298.4 1 174.6 1 255.2
Retail priced deposits 5 4 465.0 448.6 468.0
Ordinary shareholders’ equity 10 9 149.8 137.7 146.4
KEY RATIOS Medium-term targets
Net interest margin (bps) – 440 443 458
Credit loss ratio (bps) 70 – 100 bps 76 62 56
Jaws (bps) Positive 109 (276) (276)
Cost-to-income ratio (%) Approaching 50% 57.0 57.6 57.0
CET 1 ratio (%) 11.0 – 12.5% 14.0 13.8 13.5
ROE (%) 18.0 – 20.0% 16.2 16.8 18.0
R255; G184; B29
R124; G134; B141
R177; G80; B197
R0; G51; B161
R102; G94; B199
R169; G158; B114
R170; G0; B80
R0; G161; B224
R255; G104; B29
R162; G140; B92
11 17 24
2018 2017 2016
282 356 444
2018 2017 2016 millions
Listings: JSE (SBK); NSE (SNB) Share price*: ZAR 191.87 / USD 13.95 Market cap*: ZAR 310bn / USD23bn Issued shares*: 1 595 million Liquidity: ~ 60% * As at 31 December 2018
For more information: www.standardbank.com/reporting Sarah Rivett-Carnac [email protected] Office: +27 11 631 6897 Mobile: +27 82 359 2383
0
2
4
6
8
10
12
14
16
18
20
100
150
200
250
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
8.1 8.1
4.7 5.0
2018 2017 millions
ACTIVE CUSTOMERS
+4.9%
+0.4%
20 19 19
96 113
127
2018 2017 2016
AR TRANSACTIONS
+58% +118%
MOBILE TRANSACTIONS
+25%
15 15 13
748 832
950
2018 2017 2016 millions
SA TRANSACTIONS +26%
CUSTOMERS AND TRANSACTIONAL BEHAVIOUR
0.9
1.1
2018 2017 millions
INSTANT MONEY USERS
Face-to-face South Africa Africa Regions Digital
EQUITY INFORMATION
South Africa 48%
Asia 23%
North America
17%
United Kingdom
2%
Europe 5%
Other 5%
GEOGRAPHIC SPREAD OF SHAREHOLDERS
R255; G184; B29
R124; G134; B141
R177; G80; B197
R0; G51; B161
R102; G94; B199
R169; G158; B114
R170; G0; B80
R0; G161; B224
R255; G104; B29
R162; G140; B92
11 17 24
2018 2017 2016
282 356 444
2018 2017 2016 millions
Listings: JSE (SBK); NSE (SNB) Share price*: ZAR 191.87 / USD 13.95 Market cap*: ZAR 310bn / USD23bn Issued shares*: 1 595 million Liquidity: ~ 60% * As at 31 December 2018
For more information: www.standardbank.com/reporting Sarah Rivett-Carnac [email protected] Office: +27 11 631 6897 Mobile: +27 82 359 2383
0
2
4
6
8
10
12
14
16
18
20
100
150
200
250
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
8.1 8.1
4.7 5.0
2018 2017 millions
ACTIVE CUSTOMERS
+4.9%
+0.4%
20 19 19
96 113
127
2018 2017 2016
AR TRANSACTIONS
+58% +118%
MOBILE TRANSACTIONS
+25%
15 15 13
748 832
950
2018 2017 2016 millions
SA TRANSACTIONS +26%
CUSTOMERS AND TRANSACTIONAL BEHAVIOUR
0.9
1.1
2018 2017 millions
INSTANT MONEY USERS
Face-to-face South Africa Africa Regions Digital
EQUITY INFORMATION
South Africa 48%
Asia 23%
North America
17%
United Kingdom
2%
Europe 5%
Other 5%
GEOGRAPHIC SPREAD OF SHAREHOLDERS
Listings: JSE (SBK), A2X (SBK); NSE (SNB) Issued shares*: 1 619 millionShare price*: ZAR 196.67 / USD 13.94 Liquidity*: ~58%Market cap*: ZAR 318bn / USD 23bn * As at 30 June 2019
For more information:www.standardbank.com/reporting
Sarah [email protected]: +27 82 359 2383
Client centricity Digitisation Integrated group
FOCUS AREAS
OUR STRATEGYOur strategy remains unchanged, but continues to respond to our
operating context, our stakeholders’ needs and the related material issues.
OUR PURPOSEAfrica is our home, we drive her growth
MEASURING OUR PROGRESSOur strategic value drivers help us focus our efforts and measure our progress on delivering our strategy. These are delivered by all
our business units and corporate functions.
CLIENT FOCUS
EMPLOYEE ENGAGEMENT
RISK AND CONDUCT
FINANCIAL OUTCOMES
SEE IMPACT
GEOGRAPHIC SPREAD OF SHAREHOLDERS, %
AfricaAsiaNorth AmericaOtherEuropeUK
492516
532
1H19
95
100
105
110
115
120
125
Standard Bank MSCI EM Index MSCI World Financials
SBK VS EMERGING MARKETS AND WORLD FINANCIALS, USD
January 2019 June 201995
100
105
110
115
120
125
Standard Bank JSE Banks Index JSE All Share Index
SBK VS JSE BANKS AND ALL SHARE INDEX, ZAR
January 2019 June 2019
HEADLINE EARNINGS CONTRIBUTION
PB
B
CIB
OB
I
SB
G
Libe
rty
Cen
tre
Ban
king
ac
tivi
ties
7.2
+8%
+9%+10%
+6%
6.2
(0.6) (0.3)0.9
13.412.8
Rbn
RETURN ON EQUITY
15.3
15.1
15.2
14.4
16.8
16.1
17.5
16.8
17.5
16.2
1H15 1H16 1H17 1H18 1H19%
SBGBanking activities
DIVIDENDS
1H15
303 340 430 454400
4750
54 5453
1H16 1H17 1H18 1H19
CAGR +11%
Dividend Payout ratio
cps %
CREDIT LOSS RATIO
62
76
Through-the-cycle range
1H18 1H19
70 bps
100 bps
bps
TOTAL INCOME
28.7
22.0
31.3
23.0+4%
+7%
+9%
1H18 1H19
NIRNII
Rbn
OPERATING EXPENSES
12.6
16.7
13.5
17.4+5%
+6%
Positive JAWS 109bps
+8%
1H18 1H19
Sta� Other
Rbn
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
AN AFRICAN-FOCUSED, CLIENT-CENTRIC, DIGITALLY ENABLED
INTEGRATED FINANCIAL SOLUTIONS PROVIDER
30 JUNE 2019
Standard Bank Group
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
Emerging Markets ESG Index
MEMBER SUSTAINABILITY INDICES
Emerging Markets ESG Index
ESG RATINGS
FINANCIAL INCLUSION
JOB CREATION & ENTERPRISE DEVELOPMENT
INFRASTRUCTURE AFRICA TRADE & INVESTMENT
EDUCATION &SKILLS
DEVELOPMENT
CLIMATE CHANGE & ENVIRONMENTAL
SUSTAINABILITY
HEALTH
OUR SEE IMPACT AREAS*… … RELEVANT SDG’S**… … AND INDICES
31
DELIVERING SHARED VALUE WILL ENSURE OUR LONG TERM SUSTAINABILITYSEE – UNDERPINNED BY OUR PURPOSE
* SEE impact areas have been refined since our year-end reporting * Sustainable Development Goals
EQUITY INFORMATION
GEOGRAPHIC SPREAD OF SHAREHOLDERS, %MEMBER SUSTAINABILITY INDICES
ESG RATINGS
