standard bank capabilities

1. Private and confidential
Standard Bank Capabilities
Women in Energy June 2015

2. 1
 Universal bank
 Established in 1862
 Africa’s top bank (by Tier 1 capital) in the annual
ranking of 1,000 banks globally – ranked 116and
only African bank in top 150 (2014) – TheBanker
 Headquartered in Johannesburg, SouthAfrica
 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 9,300ATMs
 Over 42,200 banking employees
 Representation in major financial centres, including
London, New York and Beijing
Standard Bank Group
Overview

3. 2
Why Standard Bank
 Wecurrently 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 1.6million)
 Total assets of R1,8 trillion (approximately USD166 billion) at 30 June 2014
 Employ more than 49 000 people (including Liberty) across allgeographies
 Market capitalisation at 31 December 2014 was R232,2 billion (approximately USD20billion)
 Standard Bank has 1 233 branches and 8 623 ATMs on the Africancontinent
 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 inAfrica
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

4. 3
Investing in the continent’s future
Part of addressing Africa’s energychallenges
 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 financeinstitution
CDM registration in SA,
Ghana, Rwanda,
Uganda, Kenya &
Tanzania
Building a newAfrica
 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-SaharanAfrica
– The USD175 million African Infrastructure InvestmentFund
– 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

5. 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.

6. Transactional Products and Services
Finance

7. 6
Strategic Intent
 Garakienthigh
m
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
 Wveelohpaevdeade model that
 Enables us to minimise the cost to serve by levering regulatory required expenditure

8. 7
Our proposition
Offer customers structured debt offering, including funding for:
Mergers and Acquisitions, primarily to take advantageof:
 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

9. Transactional Products and Services
Liquidity Management

10. 9
Challenges facing any business . . .
Staff
Company
issues
Regulation
Costs
Marketing
Economy
Banking /
Finance

11. 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 electronicbanking
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
 Mobilepayments
 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*
Account Management
 Current, demand and fixed
deposit accounts (LCY
and FCY)
 Overdraft & short term
credit facilities
 Electronic banking, online
or integrated
Liquidity Management
 Pan Africa view of
balances*
 Notional pooling*
 Domestic and regional*
cash concentration
 Zero and target balance
funds sweeping*
Risk Management
 FX hedging,forwards,
swaps, options
 Letters of Credit
(issuance and
confirmations)
 Guarantees (issuance
and confirmations)
Information
Management
 Balances and
statements (online,
integrated or Swift)
SolutionsClient’sNeeds
Collections
Access to extensive
branch network
Management of physical
cash onsite
Local knowledge
cash
Interest maximisation
Cash consolidation
Managing trapped
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
Currency Risk
Trade Risk
Account Management
Account Structuring,
Oversight & Access
Domestic current
accounts (LCY & FCY,
resident & non-resident)*
Liquidity Management
Collections Payments
Access to local clearing
for electronic credits
* Where applicable

12. 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

13. 12
Spots, forwards, options and non-deliverable forwardsForeign 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.InterestRates
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 onmap)
 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 localmarkets
Partnering you in managing financial risks
Global Markets
Africa builds basket
solutions using all
asset / risk classes,
as well asstructured
products to meet
your needs
Key
Full range of services
Settlement

14. 13
Thank You

15. 14
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