Private and confidential

Standard Bank Capabilities

Women in Energy June 2015

1

Universal bank

Established in 1862

Africa’s top bank (by Tier 1 capital) in the annual ranking of 1,000 banks globally – ranked 116 and only African bank in top 150 (2014) – The Banker

Headquartered in Johannesburg, South Africa

ICBC, the largest bank in China, is a 20.1% shareholder in Standard Bank

– ICBC is currently ranked No.1 in The Banker’s annual ranking of the top 1,000 banks globally (2014)

More than 1,280 branches across the continent, supported by 9,300 ATMs

Over 42,200 banking employees

Representation in major financial centres, including London, New York and Beijing

Standard Bank Group

Overview

2 Why Standard Bank

We currently operate in 20 countries on the African continent, including South Africa.

Normalised headline earnings for the year ended 31 December 2014 were R17.3 billion (USD 1.6 million)

Total assets of R1,8 trillion (approximately USD166 billion) at 30 June 2014

Employ more than 49 000 people (including Liberty) across all geographies

Market capitalisation at 31 December 2014 was R232,2 billion (approximately USD20 billion)

Standard Bank has 1 233 branches and 8 623 ATMs on the African continent

Solid pan-African treasury capability Leading investment bank

Global Markets dealers in 18 countries and settlement capabilities in another 22 countries

Technology and systems to work with regional treasury set-ups

Domestic transactional banking in 18 countries

Regional custody

Partner with an African bank – one born and bred in Africa Best investment bank in Africa – Euromoney 2013

Best treasury services in Africa –

EMEA Finance 2013, 2012, 2011, 2010

Forbes’ list of 2,000 biggest companies

in the world: Highest of the 20 prominent

South African companies, ranked

231 – 2013

3 Investing in the continent’s future Part of addressing Africa’s energy challenges

Active participant in the CDM (clean development mechanism) market for 10 years

– Financing projects, including extensive renewable energy financing – Carbon trading – Working to assist with the development of the African CDM / carbon market, for example

our private-public partnership – African Carbon Asset Development (ACAD) Finding innovative solutions, from financing solar heating for low-income households to

energy efficient brick kilns to waste recycling

We are an Equator Principles finance institution

CDM registration in SA, Ghana, Rwanda, Uganda, Kenya & Tanzania

Building a new Africa

Standard Bank has long understood the value of pooled funds to address gaps in local capital markets. We are involved in the following funds:

– The USD710 million Emerging Africa Infrastructure Fund, which provides long-term lending for infrastructure projects in sub-Saharan Africa

– The USD175 million African Infrastructure Investment Fund

– The ZAR800 million Southern African Infrastructure Fund, which has fully invested its capital, of which almost a third was provided by Standard Bank

– The USD400 million GuarantCo guarantee fund for African and other emerging market infrastructure projects

Power, infrastructure, oil, gas and renewables are core sectors – the team has complementary skills from specialist practitioners with industry experience and relationships

Global 100 – only African company in world’s most sustainable companies – 2013

Bloomberg world’s top 20 green banks: 12th overall ranking; 17th for clean-energy investments; 15th for reducing environmental impact – 2012

The FT / IFC Sustainable Finance Awards: Sustainable Bank of the year for Africa / Middle East – 2013

4 Corporate and Investment Bank Access to a universal bank

Standard Bank Group

Payments

Collections

Reconciliation solutions

Liquidity management

Guarantees

Letters of credit

Investor Services

Transactional Products & Services

Corporate finance

Equity capital markets

Debt primary markets

Mining & Metal; Energy & Infrastructure financing and advisory

Debt solutions

Real estate

Structured trade & commodity finance

Investment Banking

Global Markets

■ Foreign exchange

■ Commodities

■ Credit

■ Interest rates (including Money Markets)

■ Equities

Personal & Business Banking Corporate & Investment Banking (CIB) Liberty

SMEs and individuals Corporate clients (domestic, international, public sector and international development groups

Banking and other financial services to individual customers and small- to medium-sized enterprises

Personal Banking

Business Banking

Experienced client co-ordinators ensure that your needs are serviced through a single point of entry across a number of products, geographies, industries and sectors.

Transactional Products and Services

Finance

6

Strategic Intent

Gain high market share in business banking by serving the “gap market”

Rationale:

Small Businesses, particularly start-ups and early stage entrepreneurs have been calling out for banks to provide them

structured financing

We have developed a model that

Enables us to minimise the cost to serve by levering regulatory required expenditure

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Our proposition

Offer customers structured debt offering, including funding for:

Mergers and Acquisitions, primarily to take advantage of:

The uptick in BEE deal flow being seen as a result of the amended BEE codes

General market consolidation

e.g. typically finance Leveraged Buy Outs, Management Buyouts, Management Buy In’s using primarily term loans

Financing to facilitate business growth

The awarding of contracts to BSME’s by Government

The awarding of contracts to BSME’s by the Private Sector in order to meet their BEE Procurement requirements

Using a combination of Term loans, BRCPs, VAF and Overdrafts

Transactional Products and Services

Liquidity Management

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Challenges facing any business . . .

Staff

Company issues

Regulation

Costs

Marketing

Economy

Banking / Finance

10 Transactional Products and Services Banking you throughout your working capital cycle

Best treasury service in Africa – EMEA Finance 2013, 2012, 2011, 2010

Best cash management in Africa – Treasury Management International 2013

Best cash management services in Africa – EMEA Finance 2012, 2011, 2010

Best bank for overall cash management and for payments and collections in Africa – Global Finance 2013, 2012, 2011, 2010

First in corporate banking in SA (peer ranking) – PWC 2013, 2011, 2009 2007. First in electronic banking in SA –2013

Best transactional bank for financial institutions in Africa – EMEA Finance 2013

Access to in-country clearing in presence countries

Electronic third party payments (telegraphic transfers, Real Time Gross Settlement, domestic electronic funds transfer, inter-account transfers, MT101, MT103)

Bulk payments Online or integrated payments,

with access and authorisation controls

Card payments Cash distribution Mobile payments Payment reporting

Electronic collection (direct debits*, telegraphic transfers, electronic funds transfer)

Cash Collection (branch, cash centre, on-site)

AutoSafe* Cash-in-transit Cheque collection Bill presentment* Receipt referencing* Card acquiring*

Current, demand and fixed deposit accounts (LCY and FCY)

Overdraft & short term credit facilities

Electronic banking, online or integrated

Pan Africa view of balances*

Notional pooling* Domestic and regional*

cash concentration Zero and target balance

funds sweeping*

FX hedging, forwards, swaps, options

Letters of Credit (issuance and confirmations)

Guarantees (issuance and confirmations)

Balances and statements (online, integrated or Swift)

Solu

tions

C

lient

’s N

eeds

Collections

Access to extensive branch network

Management of physical cash onsite

Local knowledge

Liquidity Management

Managing trapped cash

Interest maximisation

Cash consolidation

Account Management

Account Structuring, Oversight & Access

Risk Management

Information Management

Control over documentation

Payments

Access to online banking & Swift

Control over disbursements

Access to local clearing

Cross border fund flow regulation

Understand settlement processes

Standard payment formats

Counterparty Risk

Trade Risk

Currency Risk

Collections Account Management Risk Management

Liquidity Management Information Management

Payments

Domestic current accounts (LCY & FCY,

resident & non-resident)*

Access to local clearing for electronic credits

* Where applicable

11 Trade services – Think Global Mitigation of local and cross-border transactional risks

Trade Service offerings: — Letters of credit (Import and export)

— Bank guarantees

— Documentary collections

— Telegraphic transfers and bank drafts

— Foreign currency account management

Ability to facilitate cross-border transactions efficiently through our vast branch and correspondent bank networks

In-country expertise and specialist knowledge affords us the ability to mitigate and manage transactional risks effectively

Market information via our presence in 30 countries

Online trade support via iTrade (only available in South Africa)

Best trade finance bank in Africa and South Africa – Global Finance 2013, 2012, 2011

Best trade finance bank for sub-Saharan Africa – Global Trade Review 2012, 2011, 2010

Best trade bank in sub-Saharan Africa – Trade Finance 2012, 2011

Best trade bank in sub-Saharan Africa – Global Trade Review Leaders in Trade 2013

Best deal of the year (African Minerals Ltd Export) – Global Trade Review 2012

Best trade bank in Africa – Trade and Forfaiting Review 2012

Pan-Africa export trade group – Trade Finance Deals of the Year 2012

Commercial deal of the year (Export Trading Group) – Trade and Forfaiting Review 2012

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Spots, forwards, options and non-deliverable forwards Foreign Exchange

Precious and base metals, energy, carbon, coal and cobalt (physical trades and derivatives) Commodities

To facilitate the increasing appetite for African risk, Standard Bank underwrites sovereign and corporate Eurobonds as well as corporate bonds and credit-linked notes.

Credit

Repos, bonds, forward rate agreements and interest rate and cross-currency swaps are available. Interest Rates

Africa cash equities are offered through brokerage houses in Nigeria, South Africa and Kenya, while London provides you access to multiple African equity markets.

Equities

Our money markets desk gives you access to commercial paper and treasury bills. Money Markets

Global Markets Africa capabilities

Global Markets provides financial risk management across the continent:

Full range of onshore services in 18 countries (light blue on map)

Settlement in an additional 22 countries (dark blue on map)

Ability to provide foreign exchange pricing in 40 of the 54 countries

Supported by:

Our on-the-ground experts operate 26 dealing rooms across the globe, of which 22 are based in Africa (5 in South Africa), providing specialist knowledge of their local markets

Partnering you in managing financial risks

Global Markets Africa builds basket solutions using all asset / risk classes, as well as structured products to meet your needs

Key

Full range of services

Settlement

13

Thank You

14 Disclaimer

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We do not accept liability for any loss (direct or consequential) arising from use of this presentation. You must not rely on any communication (written or oral) from us as investment advice, a recommendation to enter into a transaction (which includes the information and explanations related to the terms and conditions of a transaction) or deem it to be an assurance or guarantee as to the expected results of a transaction. Investments discussed in this presentation may fluctuate in price or value over time and past performance is not indicative of future results. While we have taken care in preparing this presentation, we give no representation, warranty or undertaking and accept no responsibility or liability as to the accuracy or completeness of the information set out in this presentation. This presentation does not represent an offer of funding and any facility to be granted in terms of this presentation is subject to us obtaining the requisite internal and external approvals.

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