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Standard Chartered PLC

Standard Chartered PLC is a leading international bank, listed on the London, Hong Kong and Mumbai stock exchanges. It has
operated for over 150 years in some of the world’s most dynamic markets and earns more than 90 per cent of its income and
profits in Asia, Africa and the Middle East. This geographic focus and commitment to developing deep relationships with clients
and customers has driven the Bank’s growth in recent years.

Through the course of the financial crisis, Standard Chartered was one of the few banks that did not require support from governments
or central banks, and over this period the Bank continued to achieve record income and profit.

With 1,700 offices in 70 markets, Standard Chartered offers exciting and challenging international career opportunities for more
than 80,000 staff. It is committed to building a sustainable business over the long term and is trusted worldwide for upholding high
standards of corporate governance, social responsibility, environmental protection and employee diversity. The Bank’s heritage and
values are expressed in its brand promise, ‘Here for good’. www.standardchartered.com

Group Structure Corporate Information

Standard Chartered PLC More than 90% of income and profits 125 nationalities amongst our staff
from Asia, Africa and Middle East 70 nationalities represented in
Top performing markets by senior management
Consumer Wholesale operating income: Hong Kong, 45% of employees are women
Banking Banking India, Singapore, Korea and the UAE Listed on LSE, HKSE and BSE
We operate in over 70 countries and Formed in China and India in 1850s
territories 7 consecutive years of record
1,700 branches and outlets income and profit
80,000 employees

Key Financial Indicators

Year Operating income Profit before tax Tier 1 capital ratio

(US$ million) (US$ million) (% percentage)

2005 6,861 2,681 7.7

2006 8,620 3,178 8.3

2007 11,067 4,035 8.8

2008 13,968 4,568 9.9

2009 15,184 5,151 11.5

Group Management Committee Profit before taxation by region 2009 (%)

Group Chief Executive Officer Chief Executive Officer, Europe, 7 Hong Kong
Peter Sands* Middle East, Africa, and the Americas 9
V. Shankar Singapore
Group Finance Director
Richard Meddings* Director, People, Property and Korea
7
Assurance 21
Group Executive Director, Other Asia
Tim Miller Pacific
Consumer Banking 21
Steve Bertamini* Chief Information Officer and Group India
Head, Technology and Operations Middle East
Group Executive Director, Jan Verplancke 14 & other
Wholesale Banking South Asia
Mike Rees* Group Head, Human Resources 6
Tracy Clarke Africa
Chief Executive Officer, Asia 15
Jaspal Singh Bindra* Group Chief Risk Officer Americas
& Europe
Richard Goulding
* Standard Chartered PLC board members

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Standard Chartered PLC

Wholesale Banking

Headquartered in Singapore and London, with a delivery footprint that spans its network, Standard Chartered’s Wholesale Banking
business provides corporate and institutional clients with trade finance, cash management, securities services, foreign exchange,
risk management, capital raising and corporate finance solutions. The Wholesale Banking team is noted in the industry for its
unmatched on-the-ground expertise, its relationship-focused approach to business and a solid track record of innovative, award-
winning and client-centric solutions. www.standardchartered.com/wholesalebanking
Business Structure Key Facts

Origination and Client Coverage (client segments) 15,000+ employees

20,000+ client relationships
Global Corporates I Local Corporates I Financial Institutions 4 product streams
3 client segments
Products (businesses) Performance highlights
Key Business Advantages
Corporate Finance: Corporate Advisory, Equity 2009
Corporate Finance, Project and Export Finance, Operating income Focused business footprint – Asia,
Structured Finance, Structured Trade Finance

Principal Finance: Corporate Private Equity,

$9,291m Africa, Middle East
Unwavering focus on depth of
client relationships across the full
Infrastructure, Alternative Investments, Real Estate range of product hierarchy
2009 Strong local bank franchise
Financial Markets: FX, Rates, Credit, Commodities, Operating profit with pre-eminent cross border
Equities, Fixed Income Trading and Sales, Capital
Markets, Structured Products, Regional Markets,
Asset and Liability Management
$4,076m capability
International product quality
capability
Consistency and longevity of
Transaction Banking: Cash Management, Trade presence in markets
Finance Services, Securities Services

Consumer Banking

Standard Chartered’s Consumer Banking business serves the needs of Personal, Premium, SME and Private Banking customers,
offering a full suite of innovative products and services to meet their borrowing, wealth management and transacting needs. A
customer focused approach enables deeper understanding of customers’ evolving needs and the provision of customised financial
solutions. www.standardchartered.com/personal-banking

Business Structure Key Facts

Customer Segments 13 million customers

Footprint across 45 countries
Private Banking I SME Banking I Premium Banking I Over 39,000 employees
Personal Banking I Consumer Finance Over 1,500 branches and 5,700 ATMs

Customer Products Performance highlights Key Business Advantages

Consumer Transaction Banking: Employee 2009 Deep local knowledge with over
Banking (payroll), current and savings accounts, debit Operating income 150 years presence in key markets
cards, term deposits
Lending: Mortgages, personal loans, overdrafts, lines
$5,629m primarily in Asia, Africa and the
Middle East
Customer-focused approach
of credit, credit cards, auto loans enables solving customers’ different
Wealth Management: Investment and treasury 2009 financial needs
products Operating profit Recognising and rewarding
customers’ total banking relationship
Bancassurance $867m International suite of innovative
products with need based product
Islamic Banking
bundles and advantaged pricing
SME Banking products: Business loans, trade
finance, cash management and foreign exchange (FX)

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Standard Chartered PLC

Building a global brand

Here for good Liverpool FC

Here for good is Standard Chartered’s brand promise – a We kicked off our four year sponsorship of Liverpool Football
promise of commitment to our people, our markets, our Club in July 2010. The partnership will build global brand
customers and clients, and our communities. It’s what we’ve awareness and provide promotional opportunities to help build
been doing for the past 150 years, and our aim for the next. To our business.
be here for people, here for progress and here for the long run. www.standardchartered.com/about-us/sponsorship
www.standardchartered.com/here-for-good/brand-belief/en

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www.standardchartered.com/sustainability

Sustain
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Global network

Asia Macau Africa Uganda Europe Turkey Colombia

Afghanistan Malaysia Angola Zambia Austria UK Falkland
Australia Mauritius Botswana Zimbabwe France Ukraine Islands
Bangladesh Nepal Cameroon Germany Mexico
Brunei Pakistan Côte d’Ivoire Middle East Guernsey The Americas Peru
Cambodia Philippines Ghana Bahrain Ireland Argentina Uruguay
China Singapore Kenya Egypt Italy Bahamas US
Hong Kong South Korea Nigeria Jordan Jersey Brazil Venezuela
India Sri Lanka Sierra Leone Lebanon Russia Canada
Indonesia Taiwan South Africa Oman Spain Cayman
Japan Thailand Tanzania Qatar Sweden Islands
Laos Vietnam The Gambia UAE Switzerland Chile