of America Lynch 17th Annual Banking and CEO Conference 2012

Jaspal Bindra Group Executive Director and CEO Asia

Leading the way In Asia, Africa and the Middle East Forward looking statements

This document contains or incorporates by reference ‘forward-looking statements’ regarding the belief or expectations of the Company, the Directors and other members of its senior management about the Group’s strategy, businesses, performance and the matters described in this document. Generally, words such as ‘‘may’’, ‘‘could’’, ‘‘will’’, ‘‘expect’’, ‘‘intend’’, ‘‘estimate’’, ‘‘anticipppate’’, ‘‘believe’’, ‘‘plan’’, ‘‘seek’’, ‘‘continue’’ or similar ex pressions are intended to identif y forward-looking statements. Forward-looking statements involve inherent risks and uncertainties. They are not guarantees of future performance and actual results could differ materially from those contained in the forward-looking statements. Forward-looking statements are based on current views, estimates and assumptions and involve known and unknown risks, uncertainties and other factors, many of which are outside the control of the Group and are difficult to predict. Such risks, factors and uncertainties may cause actual results to differ mat eri all y f rom any f ut ure result s or d evel opment s expressed or i mpli ed f rom th e forward -lkittlooking statement tShiks. Such risks, factors and uncertainties include but are not limited to: changes in the credit quality and the recoverability of loans and amounts due from counterparties; changes in the Group’s financial models incorporating assumptions, judgments and estimates which may change over time; risks relating to capital, capital management and liquidity; risks arising out of legal and regulatory matters, investigations and proceedings; operational risks inherent in the Group’s business; risks arising out of the Group’s structure; risks associated with the recruitment, retention and development of senior management and other skilled personnel; risks associated with business expansion and engaging in acquisitions; global macroeconomic risks; risks arising out of the dispersion of the Group’s operations, the locations of its businesses and the legal, political and economic environment in such jurisdictions; competition; risks associated with banking and legislation, regulations ppg;golicies and guidelines; changes in the credit ratin gs or outlook for the Grou p;,,yp,qp; market, interest rate, prices, equity price and other market risk; foreign exchange risk; financial market volatility; systemic risk in the banking industry and other financial institutions or corporate borrowers; cross-border country risk; risks arising from operating in markets with less developed judicial and dispute resolution systems; risks arising out of regional hostilities, terrorist attacks, social unrest or natural disasters and failure to generate sufficient level of profits and cash flows to pay future dividends. AfAny forward -loo s ta temen t cont ai ned in this documen t is base d on pas t or curren t tren ds an d/or acti viti es of th e C ompany and should not be taken as a representation that such trends or activities will continue in the future. No statement in this document is intended to be a profit forecast or to imply that the earnings of the Company and/or the Group for the current year or future years will necessarily match or exceed the historical or published earnings of the Company and/or the Group. Each forward-looking statement speaks only as of the date of the particular statement. Except as required by any applicable law or regulations, the Company expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statement contained herein to reflect any change in the Company’s expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based. 1 Who we are

„ Over 150 year heritage

„ 1,700 offices in 70 markets

„ Over 86,000 employees

„ Around 90% of profit from Asia, Africa and Middle East

„ Primary listings in London, Hong Kong & Mumbai

„ CditCredit ratings AA- / AA- / A1 (Fitch / S&P / Moody’s respectively)

„ Lead regulated by the UK Financial Services Authority

„ Market cap: US$53.6bn (as at 29 August 2012)

2 Our strategy

Unique network, leading the way in Asia, Africa Geographic focus and the Middle East

Primarily focused on organic growth supplemented Orggganic growth by capa bility acqui siti ons

Building deep, long-term, multi product relationships Customers and clients with customers and clients, offering products and capability they need and want

Operating as ‘One Bank’ acting consistently across Culture and values multiple geographies, products and segments

Conservative and disciplined approach Basics of banking to , capital and liquidity, and costs 3 Consistent financial performance

Consistent delivery Geographically diverse 5yr (()US$bn) Income (()US$m) CAGR

Hong Kong 13% 10 24% 9 CAGR 8 15% Korea 3% 7 CAGR Other 20% 10% 6 Asia Pacific 5 India 7% 4 11% 3 MESA

2 Africa 16% 1 Americas 28% 0 H102 H103 H104 H105 H106 H107 H108 H109 H110 H111 H112 UK & Europe Income Profit before tax H1 06 H1 12

4 Our markets

GDP growth The growing share of the

% emerging economies 12 Nominal GDP, US$tn 70

World 10 60 Advanced China 50 8 India EiEmerging 40 6 ASEAN-5 Sub-Saharan Afri ca 30

4 US 20

2 Eurozone 10

0 0 2010 2011 2012F 2013F 2014F 2015F 2016F 2017F 1981 1983 1985 1987 1989 1991 1993 1995 1997 1999 2001 2003 2005 2007 2009 2011

Source: IMF, July 2012 Sources: Research, Global Focus - 2012 5 Standard Chartered in Asia

H1 12 Group income H1 12 Asia income US$9.5bn US$6.6bn

Other APR Hong Rest of 18% Kong 26% Group Taiwan 7% 31% Asia China 8% 69% India Singapore 12% 18% Korea 14%

Standard Chartered across Asia Contribution to Group Distribution and capability „ Around 70% of income and profit „ Over 1, 100 branches across 20+ markets „ Around 75% of customer loans „ Regional hubs in Hong Kong and Singapore and deposits „ Market leader in offshore RMB „ Around 80% of employees „ Facilit ati ng t rad e and inves tment b et ween A si a and the rest of the world

6 Diversity a differentiator

Our diversity across geographies, businesses and products ...

Hong Kong Singapore Korea India

11% 1,688 10% -4% 1,223 1,162 10% 883 950 904 705 790

H1 09 H1 12 H1 09 H1 12 H1 09 H1 12 H1 09 H1 12

Other APR China Malaysia Taiwan 1,993 10% 1,514

10% 11% 1% 494 372 270 370 270 282

H1 09 H1 12 H1 09 H1 12 H1 09 H1 12 H1 09 H1 12

... gives us resilience to absorb softness in any individual market without compromising the Group’s ability to grow

7 Future growth opportunities

„ South East Asia – particularly Malaysia, Thailand and Indonesia „ Cross-bdborder tdtrade an did inves tmen tiWhlt in Wholesa lBle Ban king „ Regional wealth in Consumer Banking „ Islamic finance and banking

„ Greater China – China, Hong Kong and Taiwan „ Continued RMB internationalisation „ Mainland Chinese „ Trade corridors with Africa and rest of Asia

„ India „ Expand breadth and connectivity of client relationships „ Increased product capabilities and cross-sell „ Non Resident Indian opportunity and chosen High Value Segments

8 Focused on the basics of banking

Capital Liquidity 18.4 17.9 17.6 15.5 16.9 Net interbank lending US$bn 30.1 4.4 4.0 3.9 3.5 4.3 23.8 2.2 2.0 1.9 1.8 2.2 Tier 1 12.4 11.8 11.9 11.8 11.6 13. 4 9.0

H1 10 H2 10 H1 11 H2 11 H1 12 2009 2010 2011 Core Tier 1 Tier 2 and Tier 3

Risk 40.0% Costs 140 Loan impairment bps of Loans and advances to customers 35. 0% 120 30.0% 25.0% 100 20.0% 80 15.0% 10.0% 60 5.0% 40 0.0% 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 H112 20 -5.0% -10.0% 0 H1 H2 H1 H2 H1 H2 H1 H2 H1 H2 H1 07 07 08 08 09 09 10 10 11 11 12 Income growth Cost growth

9 Conclusion

„ Uniqqpue footprint and ex posure to diverse and fast- growing economies

„ Sustained and consistent track record

„ Foundations of the Group in excellent shape through our focus on the basics of banking

„ On track to deliver on our full year financial objectives

10 QQ& & A

11