Operationalising sustainability agenda

Our vision “Banking is vital to restoring a vibrant global economy. Banks can be powerful contributors to economic and social progress… We maintain our commitment to building a sustainable business as a bank, this has underpinned our strategy and success for over 150 years and will be the foundation for our future.” Peter Sands Group Chief Executive

The world’s best international bank Leading the way in Asia, Africa and the Middle East Strategic intent Here for good Responsive Trustworthy Creative International Courageous Brand promise Values Participation Focusing on attractive, growing markets where we can leverage our customer relationships and expertise Competitive Positioning Combining global capability, deep local knowledge and creativity to outperform our competitors Management Discipline Continuously improving the way we work, balancing the pursuit of growth with firm control of costs and risks Approach Commitment to stakeholders Customers Passionate about our customers’ success, delighting them with the quality of our service Our People Helping our people to grow, enabling individuals to make a difference and teams to win Communities Trusted and caring, dedicated to making a difference Investors A distinctive investment delivering outstanding performance and superior returns Regulators Exemplary governance and ethics wherever we are Our strategic intent

Our approach to sustainable business  Enabling the real economy to achieve sustainable growth  Promoting sustainable finance  Leading by example in the workplace and community

A. Enabling the real economy to flourish Running core banking responsibly  Aggregating and deploying savings  Supporting trade, enterprise development and investment Access to financial services  Microfinance partnerships  Islamic banking – ‘Saadiq’ Responsible selling and marketing  Positive credit reference bureaus  Balanced scorecards for our own sales force  Stress testing out portfolios Objective: Creating an enabling environment for economic growth through strong governance and enhancing access to financial services

Our performance Enabling the real economy to flourish 3.6million $540million Lives impacted by our Microfinance business Provided through 63 micro financial institutions 2006 Clinton Global Initiative pledge to provide by 2011 $500million to microfinance partners

Our performance Enabling the real economy to flourish 53% 9.8 Decrease in Consumer Banking complaints ratio Complaints per 1,000 clients in ,000 Employees completed AML eLearning

B. Providing sustainable finance to respond to the risks and opportunities Risk management  Environmental and Social Risks in Lending (ESRL) guidelines in place for over 10 years  Embedding 13 sector/issue position statements and practitioners guides Opportunity  Financing USD8-10bn of renewable and clean energy projects by 2012  ‘Green’ products – e.g. Go Green campaign to encourage paperless banking

Our performance Providing sustainable finance to response to risks and opportunities 14 $3.6billion Sector lending position statements made public Extended through renewable energy market Renewable energy market was worth $155billion In 2008

C. Lead the way through our own practice Our Environment  Targets  Changing behaviour – Social media - Carbon Calculator - Green Storming Our People  Diversity and inclusion  Living our values Our Community  Seeing is Believing  Living with HIV  Goal – Women’s Empowerment

Our performance Lead the way to our own practices Total paper consumption/FTE* A ir travel emissions/FTE Decrease Kg/FTE/year * Full-time employee Tonnes CO 2 /FTE/year 28% 24% ( )

Our performance Leading the way to our own practices 45% ,000+ Female representation globally Languages employees Nationalities markets

Community Investment Seeing is Believing USD 20M commitment 20M people from poor urban areas to benefit from access to eye care Living with HIV Over 1M people benefited from award-winning education programme developed by Bank for its own employees and shared for free Goal 100,000 adolescent girls from low income families to be reached through programme to educate and empower girls through sport Employee Volunteering

Operationalising sustainability agenda

Standard Chartered: Track record

16 Our Credentials, Your Success FTSE Listed on the FTSE4Good and FTSE4Good Environment Indexes 2010 Best Corporate Citizen of the Year Organised by the Commonwealth Business Council 2009 Global Business Coalition on HIV/AIDS, Tuberculosis and Malaria Business Excellence Award for Community Investment Standard Chartered Bank’s Living with HIV programme 2009 Africa Structured Finance MILAA Microfinance credit-linked notes GS SUSTAIN Top 8 Bank in Managing Environmental, Social and Governance Issues World’s Most Ethical Companies 2010 Dow Jones Sustainability Index (DJSI) 2010 / 2011 FT ArcelorMittal Boldness in Business Award Corporate Responsibility 2010