Forward looking statement

This presentation contains or incorporates by reference ‘forward-looking statements’ regarding the belief or current expectations of Standard Chartered, the Directors and other members of its senior management about the Group’s businesses and the transactions described in this presentation. Generally, words such as ‘‘may’’, ‘‘could’’, ‘‘will’’, ‘‘expect’’, ‘‘intend’’, ‘‘estimate’’, ‘‘anticipate’’, ‘‘believe’’, ‘‘plan’’, ‘‘seek’’, ‘‘continue’’ or similar expressions identify forward-looking statements.

These forward-looking statements are not guarantees of future performance. Rather, they are based on current views and assumptions and involve known and unknown risks, uncertainties and other factors, many of which are outside the control of the Company and/or its Group and are difficult to predict, that may cause actual results to differ materially from any future results or developments expressed or implied from the forward-looking statements. Such risks and uncertainties 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 holding company 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 the UK Banking Act 2009 and other similar legislation or regulations; changes in the credit ratings or outlook for the Group; market, interest rate, commodity prices, equity price and other market risk; foreign exchange risk; financial market volatility; systemic risk in the banking industry and amongst 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.

Any forward-looking statement contained in this presentation based on past or current trends and/or activities of Standard Chartered should not be taken as a representation that such trends or activities will continue in the future. No statement in this presentation is intended to be a profit forecast or to imply that the earnings of the Company for the current year or future years will necessarily match or exceed the historical or published earnings of the Company. Each forward-looking statement speaks only as of the date of the particular statement. Standard Chartered expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in Standard Chartered’s expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based.

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Leading the way in Asia, Africa and the Middle East Peter Sands Group Chief Executive

Agenda

CEO Introduction Peter Sands

Financial review Richard Meddings

Lunch

Wholesale Banking presentation Mike Rees, Saleem Razvi

Consumer Banking presentation Steve Bertamini, Vishu Ramachandran

Tea break

Risk management presentation Richard Goulding

Wrap up and closing remarks Peter Sands

Note: Two minute silence to be observed for remembrance day at 11am

Key messages

2013 performance has been resilient

We are confident in our markets and our competitive strengths

Our strategy remains consistent and we are sharpening our focus

We aspire to strong growth while focusing on returns

Macro environment

Real GDP growth (%)

4.5 3.8 4.0 4.3

MENA* 5.3 4.9 5.4 5.4

Africa

1.4 1.0 2.0 2.4

6.7 6.5 6.5 6.3

2012 2013 2014 2015-2018

Asia

7.7 China 7.6 7.4 7.0

Advanced economies

2012 2013 2014 2015-2018 2012 2013 2014 2015-2018 2012 2013 2014 2015-2018

2.8 US 1.6 2.5 3.3

Source: Standard Chartered Research; International Monetary Fund * Middle East and North Africa

Macro environment – Asia

\

Net foreign assets (% of GDP)

-20

0

20

40

60

China Malaysia Thailand Philippines Korea India Indonesia

1994 - 1996 2010 - 2012

Current account (% of GDP)

-10

-5

0

5

10

Malaysia Philippines Korea China Thailand Indonesia India

1994 - 1996 2010 - 2012

Real effective exchange rate (2 year % change)

-20 -10

0 10 20 30

India Indonesia Malaysia Thailand Korea Philippines China

Jun-97 Jun-12

Source: Institute of International Finance, International Monetary Fund, Bank for International Settlements

Macro outlook – Asia, Africa and the Middle East

World Real GDP (US$trn)

73.5 5.3

(33%)

6.6 (42%)

3.9 (25%)

89.3

2013 Advanced economies

Asia, Africa and the Middle East

Other 2018

2013–18 growth

Source: International Monetary Fund (Oct 2013)

Macro outlook – China

Absolute Real GDP growth (US$trn)

Urban population (millions)

Real GDP / Capita ($) Economic reform “We should dare to tackle difficulties and venture along dangerous paths to break through barriers to reform”

Xi Jingping, President

2.3 3.0 3.4

2002-07 2007-12 2012-17

691 926

2011 2025

6,600 9,000

2013 2018

China

Source: National Bureau of Statistics of China, Mckinsey & Company, International Monetary Fund (Oct 2013)

Macro outlook – India

India real GDP growth (%) 8.0

5.0 4.7 5.3

6.5

2007-11 2012 2013 2014 2015-18

India

Incremental labour force (millions)

110

90

200

2011-2020 2021-2030 Total

Source: Standard Chartered Research, International Monetary Fund, Goldman Sachs

Macro outlook – Africa

Source: UN population database, UNCTAD

Working age population (millions)

Top 5 trading partners

86

UK 36

South Africa 44

India 68

China

102USA

2012 trade volume - US$bn 2002-2012

CAGR

2030

793

2020

612

2010

466

2000

355

Africa

15%

26%

29%

17%

11%

Banking sector

Regulation

Our strengths

Differentiated network Culture – Here for good

1902

1906

1912

1925

1894

1858 1858

1863

Balance sheet strength Conservative management philosophy

Strong capital position – Core Tier 1 No compromise on credit quality ratio of 11.4% at 30 June 2013

Funding before lending Basel III leverage ratio of 4.6%

Strong liquidity position Focus on organic growth

Our priorities

Continuing to build our business for the long term

Setting aspirations

Proving we are Here for good

Innovating and digitising

Investing in profitable growth

Making choices to reflect near term environment

Sharpening capital allocation

Optimising our portfolio

Refocusing Korea

Our aspirations

Build trusted relationships with the people, companies and institutions shaping our markets’ future

Become the undisputed leader in commercial payment and financing for and in Asia, Africa and the Middle East

Play a leading role in facilitating investment and deepening financial markets in our economies

Be recognised as a leader in growing and protecting our clients’ wealth

Establish sufficient scale, balance sheet and franchise strength to be relevant and influential in our key markets

Relationships

Trade

Investment

Wealth

Priority market scale

Our trade and wealth aspirations Trade opportunity

Standard Chartered - Trade assets (US$bn) AAME trade volume* (US$trn)

74 14

733

31% CAGR

9% CAGR

2009 2012 2012 2020

Wealth opportunity Standard Chartered – Wealth income (US$m) Global private financial wealth (US$trn)

11% CAGR

2012-17 CAGR

Asia, Africa and the Middle East

922 Rest of world

1,275

103 (76%)

33 (24%)

3%

11%

117 (68%)

55 (32%)

2009 2012 2012 2017 Source: World Trade Organization, Boston Consulting Group - Global wealth market sizing database 2013 * Asia, Africa and the Middle East

Culture – Here for good

Technology

Tests for peripheral business

Geographies

Economics

Clients

Activities

Here for good

Does this business bank the people, companies and institutions that shape our markets’ future?

Does this business drive investment, trade and creation of wealth?

Is the business consistent with Here for good?

Does the business strengthen our position in Asia, Africa and the Middle East?

Does the business contribute to our earnings growth, returns and capital accretion trajectory? Is the business model sustainable?

Korea

Korea banking sector

2005 2006 2007 2008 2009 2010 2011 2012 H1 13

Sector income Sector Return on Equity (ROE)

Korea

Source: Korea Financial Supervisory Service

Financial framework

Double digit income growth

Neutral cost – income jaws (with positive bias)

Double digit Earnings per Share (EPS) growth

Mid-teens Return on Equity (ROE) over the medium term

Key messages

2013 performance has been resilient

We are confident in our markets and our competitive strengths

Our strategy remains consistent and we are sharpening our focus

We aspire to strong growth while focusing on returns