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  • Our business
    • OUR APPROACH TO INTEGRATED THINKING
    • WHO WE ARE
    • OUR OPERATING CONTEXT
    • OUR GROUP STRATEGY
    • OUR VALUE CREATION MODEL
    • MEASURING OUR STRATEGIC PROGRESS
    • WHY INVEST IN US
  • Our performance
    • CHAIRMAN’S STATEMENT
    • GROUP CHIEF EXECUTIVE’S REPORT
    • OUR STRATEGIC VALUE DRIVERS
  • Our accountability
    • OUR REPORTING SUITE
    • ABOUT THIS REPORT
    • GOVERNANCE OVERVIEW
    • REMUNERATION OVERVIEW
  • Downloads
  • Our reporting suite

    Our integrated report is the primary report in a full suite of publications that caters for the diverse needs of our stakeholders.

    All our reports and latest financial results presentaions, booklets and SENS announcements are available online at www.standardbank.com/reporting, together with financial and other definitions, acronyms and abbreviations used.

    This report

    Annual integrated report

    Provides a holistic assessment of the Standard Bank Group’s (the group’s) ability to create value, in the short, medium and long term.

    Key frameworks* applied

    • JSE Listings Requirements
    • King Code
    • The International <IR> Framework of the International Integrated Reporting Council (IIRC)

    Assurance

    Certain information has been extracted from the group’s audited annual financial statements.

    Intended readers: Primarily our providers of financial capital, being our shareholders, depositors and bondholders, but information relevant to our other stakeholders is also included.

    Reporting to society

    An account of the group’s social, economic and environmental (SEE) impacts and how these contribute to the group’s sustainability and its ability to achieve its purpose. It includes our environmental, social and governance report, and our South African SBSA transformation report.

    Key frameworks* applied

    • King Code
    • CDP (previously Carbon Disclosure Project)
    • United Nations (UN) Sustainable Development Goals (SDG)
    • Equator Principles
    • Global Reporting Initiative (as a guide)

    Assurance

    PricewaterhouseCoopers Inc. has provided assurance on selected information.

    Intended readers: Clients, employees and society more broadly.

    Governance and remuneration report

    A detailed review of the group’s governance and remuneration practices, including the group’s remuneration policy and implementation report.

    Key frameworks* applied

    • Companies Act
    • Banks Act
    • JSE Listings Requirements
    • King Code
    • Basel III

    Assurance

    Certain information has been extracted from the group’s audited annual financial statements.

    Intended readers: Shareholders, debt providers and regulators.

    Annual financial statements

    Sets out the group’s full audited annual financial statements, including the report of the group audit committee.

    Key frameworks* applied

    • IFRS
    • Companies Act
    • Banks Act
    • JSE Listings Requirements
    • King Code

    Assurance

    Unmodified audit opinion expressed by KPMG Inc. and PricewaterhouseCoopers Inc.

    Intended readers: Primarily our providers of financial capital, being our shareholders, depositors and bondholders, but information relevant to our other stakeholders is also included.

    Risk and capital management report

    A detailed view of the management of risks relating to the group’s operations.

    Key frameworks* applied

    • Various regulations, including Basel III
    • Banks Act
    • IFRS
    • JSE Listings Requirements
    • King Code

    Intended readers: Clients, employees and society more broadly.

    The Standard Bank of South Africa (SBSA) annual report

    As the group’s largest banking subsidiary, SBSA produces its own annual report and audited annual financial statements.

    Key frameworks* applied

    • Various regulations, including Basel III
    • IFRS
    • Companies Act
    • Banks Act
    • JSE Listings Requirements
    • King Code

    Assurance

    Unmodified audit opinion expressed by KPMG Inc. and PricewaterhouseCoopers Inc.

    * Definitions:

    • Banks Act – South African Banks Act 94 of 1990
    • Basel III – Basel Committee on Banking Supervision’s third Basel Accords
    • Companies Act – South African Companies Act 71 of 2008
    • IFRS – International Financial Reporting Standards
    • JSE – Johannesburg Stock Exchange
    • King Code – King IV Report on Corporate Governance for South Africa, also known as King IV™. Copyright and trademarks are owned by the Institute of Directors in Southern Africa NPC and all of its rights are reserved.

    Liberty Holdings Limited (Liberty)

    As a separate listed entity, Liberty produces its own integrated report and audited annual financial statements, available at www.libertyholdings.co.za.

    Other subsidiaries

    Our other subsidiaries, including our operations in the Africa Regions, produce their own annual reports and audited annual financial statements, which are available on their respective websites, as applicable.