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1 1853 (i) (ii) (iii) S

2 ? Copies of this base listing document and its addendum (if any), the relevant supplemental listing document (together with a Chinese translation of each of these documents) and other documents listed under the section Where can I read copies of the Issuer s documentation? in this base listing document may be inspected at the offices of Standard Chartered Bank (Hong Kong) Limited at 15th Floor, Two International Finance Centre, 8 Finance Street, Central, Hong Kong ii

3 Standard & Poor s Credit Market Services Europe Limited AA- Moody s Investors Service Hong Kong Limited A1 AA- + - A

4 2

5 (1)(i) (ii) (iii) (2) (1)(i) (ii)(iii) (2) (1)(i) (ii)(iii) (2) 3

6 (1)(i) (ii) (iii) (2) 4

7 (1)(i) (ii) (iii) (2) 5

8 NR N R (1))(i) (ii) (iii) (2) (1)(i) (ii) (iii) (2) 6

9 NR N R (1))(i) (ii) (iii) (2) 7

10 (1)(i) (ii) (iii) (2) NR N R (1)(i) (ii) (iii) (2) 8

11 (1)(i) (ii) (iii) (2) NR N R (1)(i) (ii) (iii) (2) 9

12 (1)(i) (ii) (iii) (2) NR N 10

13 R (1) (i) (ii) (iii) (2) (1)(i) (ii) (iii) (2) NR N 11

14 R (1)(i) (ii) (iii) (2) NR 12

15 13

16 ? 1 14

17 15A.13(2) 15A.13(3)? (United Kingdom Financial Conduct Authority) (Prudential Regulation Authority) KPMG Audit Plc 15

18 % 0.005%

19

20

21 6 (i) (ii) (iii) 7 R 19

22 8 (i) (ii) 9 10 (i) (ii) 20

23 ETF (i)etf ETF (ii)etfetf (iii) ETFETF ETF ETF ETF ETF (i)etf ETFETF ETF (ii) ETFETF ETF ETF ETF ETF ETF 21

24 (i) (ii) (iii) (iv) 15 22

25

26 20 21 Standard Chartered PLCSCPLC 22 30% FATCA FATCA (a) (b) FATCA FATCA FATCAFATCA FATCA FATCA 24

27 FATCA FATCA FATCAFATCA 23 30% (U.S. Federal Register)

28 N R R R 27 (a) (b) 26

29 30 28 N R N R 27

30

31 CRD IV 29

32 III III III III III4.5% 2.5% 7% 2.5% 8% 10.5% 3% 2.5% III III 1% 2.5% 1% CRD IV III II CRD IVCRD IV (Official Journal) CRD IV CRD IV 30

33 CRD IV CRD IV 4% 4.5%5.5% 6% CRD IV 80% 10% CRD IV CRD IV

34 III CRD IV III CRD IV LCRNSFR LCR NSFR NSFR LCR60%10 100% NSFR (i) (ii)(iii) (iv) (Financial Policy Committee) (i) General Prudential Sourcebook for Banks, Building Societies, Insurers and Investment Firms (ii)(iii)iii CRD IV 32

35 36 33

36 37 38 SCPLC (New York Department of Financial Services) (Federal Reserve Bank of New York) (Department of Justice) (District Attorney of New York) (Office of Foreign Assets Control) 6.67 (US Supervisory Remediation Program) (Financial Crime Risk Mitigation Programme) 34

37 39 CRD IV 35

38 40 36

39 41 (Sustainable Finance teams)

40

41 (i) (ii) (iii) (iv) (v) 45 30% (i)(ii) (iii) 39

42 46 Dodd FrankDodd Frank Dodd-Frank CFTC 648/2012 (Regulation (EU) No 648/2012 of the European Parliament and the Council on OTC Derivatives, Central Counterparties and Trade Repositories) Dodd Frank Dodd Frank (i)(ii) (iii) 40

43

44 48 49 / 50 42

45 III CRD IV 43

46 51 55B6 (i) SCPLC (ii)(iii) (i) (ii) (Investment Bank Special Administration Regulations 2011) ICB 12 (The Financial Services (Banking Reform) Act 2013) 44

47

48 55 1%

49

50 FATCA FATCA FATCA 30% (a) (b) FATCA 48

51 FATCA (i)(ii) FATCA FATCA FATCAFATCA FATCA FATCA 30% FATCA FATCA FATCA FATCA FATCA FATCAFATCA 30% 90 49

52 230 (1) (2) (3) (1) (2) (3)(4) 50

53 Standard Chartered PLCSCPLC SCPLC SCPLC SCPLC 1 Basinghall Avenue, London EC2V 5DD SCPLC +44 (0) SCPLC SCPLC 0.01 Standard Chartered Capital Investments LLC 5.00SCPLC 1 Basinghall Avenue, London EC2V 5DD ZC18 SCPLC 70 1,70086,000 MENAP 51

54 SCPLC MENAP SC First Bank SC First BankSC First Bank Standard Chartered Korea 52

55 % Standard Chartered Bank Korea Limited Standard Chartered Bank (Singapore) Limited Standard Chartered Bank Malaysia Berhad Standard Chartered Bank (Thai) Public Company Limited Standard Chartered Bank (Pakistan) Limited Standard Chartered Bank Nigeria Limited Standard Chartered Bank Kenya Limited Standard Chartered Private Equity Limited Standard Chartered Bank (Thai) Public Company Limited99.99%Standard Chartered Bank (Pakistan) Limited98.99%Standard Chartered Bank Kenya Limited 74.3% 49% 53

56 SCPLC SCPLCSCPLC Sir J W Peace 1 Experian plc Burberry Group plc P A Sands 1 Institute of International Finance O P Bhatt 1 Hindustan Unilever Limited Oil and Natural Gas Corporation Tata Consultancy Services, India Tata Steel Limited J S Bindra 2 S P Bertamini 3 K L Campbell 1 Dr L Cheung 1 Boyu Overseas Services Limited J F T Dundas 1 Jupiter Fund Management plc Dr Han Seung-soo, KBE 1 Seoul Semiconductor Inc C M Hodgson 1 Ladbrokes PLC Capgemini UK plc S J Lowth 1 AstraZeneca PLC N Kheraj 1 R H P Markham 1 Legal and General Group plc AstraZeneca PLC United Parcel Service, Inc. R Markland 1 The Sage Group plc Arcadis NV R H Meddings 1 3i Group plc J G H Paynter 1 Standard Life plc A M G Rees 1 54

57 P D Skinner 1 Tetra Laval International SA L Air Liquide SA PricewaterhouseCoopers LLP O H J Stocken 1 Stanhope Group Holdings Limited Hoyle Barn Limited V Shankar 4 Majid Al Futtaim Holding LLC L T Thunell 1 Kosmos Energy Sithe Global LLP A M G ReesS P Bertamini R H MeddingsSCPLC 1. 1 Basinghall Avenue London EC2V 5DD A Marina Boulevard Marina Bay Financial Centre Tower 1 Level 29 Singapore 4. Standard Chartered Bank, Dubai Branch DIFC Level 7, DIFC Bur Dubai Dubai 999 SCPLC P A Sands SCPLC Institute of International Finance J S Bindra SCPLC S P Bertamini SCPLC T J Clarke British Sky Broadcasting Group plc 55

58 R F Goulding R H Meddings SCPLC 3i Group plc A M G Rees SCPLC V Shankar SCPLC Majid Al Futtaim Holding LLC J P Verplancke A M G ReesS P Bertamini R H Meddings SCPLC 56

59 KPMG Audit Plc KPMG Audit Plc 4-4A 32 57

60 1 (A) (B) (C) (D) (E) (F) 58

61 2 (A) 4 4(D) 2(B) (B) 4(B) 3 (A) (B) 3(A) (C) 4 (A) (B) (C) (D) 3(A) 59

62 6 (1) (i) (ii) (2) (i) (ii) (3) (i)(ii) 60

63 (i) (ii) 4(D) (E) (F) 4(D) 61

64 5 (A) (B) 10 6 (A) (i) E 1 X 1 M 1 (R/S) M E X S R M 62

65 (ii) (B) (i) 6(B)(iii) E 1 X 1 M E X M (ii) (iii) (A) 6(B) 1% (C) (D)

66 (D) (E) 2% E X S OD S OD CD E X S OD CD 64

67 (F) (a) (b) (G) (A) 10 10% 25% 65

68 (B) (i) (ii)(iii) (iv) (A) (B) 12(A) 66

69 (C) (a) (i) (ii) (i) (ii) (b)

70 A 32 68

71 1 (A) (B) (C) (D) (E) (F) 69

72 2 (A) 4 4(D) 2(B) (B) 4(B) 3 (A) (B) 3(A) (C) 4 (A) (B) (C) (D) 3(A) 6 (i) (ii) 70

73 (a) (i) (ii) (iii) (a)(x) (Y) (b) (i) (ii) (c) 71

74 (d) (i)(ii) 4(D) (E) (F) 4(D) 5 (A) 72

75 (B) 10 6 (A) (i) (ii) (B) (i) (ii) (C) (a) (b) (D)

76 8 9 (A) 10 10% 25% (B) (i) (ii)(iii) (iv) 10 74

77 (a) (i) (ii) (i) (ii) (b)

78 15 4-4A 32 76

79 1 (A) (B) (C) (D) (E) (F) 77

80 2 (A) 4 4(D) 2(B) (B) 4(B) 3 (A) (B) 3(A) (C) 4 (A) (B) (C) (D) 3(A) 78

81 6 (1) (i) (ii) (2) (i) (ii) (3) (i)(ii) 79

82 (i) (ii) 4(D) (E) (F) 4(D) 80

83 5 (A) (B) 10 6 (A) (i) E 1 X 1+M 1+(R/S) M E X S R M 81

84 (ii) (B) (i) 6(B) (iii) E 1 X 1 M E X M (ii) (iii) (A) 6(B) 1% (C) (D)

85 (D) (E) 2% E X S OD S OD CD E X S OD 83

86 CD (F) (a) (b) (G) (A) 10 10% 25% 84

87 (B) (i) (ii)(iii) (iv) (i) (ii) (iii) (iv)

88 12 (A) (B) (C) 12(A) (a) (i) (ii) (i) (ii) (b) 86

89 A 32 87

90 1 (A) 12 9 (B) (C) (D) (E) 88

91 2 (A) 3(D) 3(D) (B) 3(D) (C) 3 (A) 9 89

92 (i) (ii) (B) (C) (D) 3(A) 3(B) 3(D) 90

93 5 (i) (a) (b) (ii) (a) R (b) N (i) N (ii) (i) (a) (b) 91

94 (ii) (i) (ii) (iii) (i) (ii) (a) (b) 92

95 5 (i) (ii) (i)(ii)(a) (b) (a) (b) (E) (F) 93

96 3(D) 4 (A) (B) 9 5 (i)(ii) (iii) (A) (i) E 1 X 1 Y 1 M 1 (R/S) M E X Y 94

97 S R M (ii) (B) (i) 5(B)(iii) E 1 X 1 Y 1 + M E X Y M (ii)

98 (iii) 5(A) 5(B) 1% (C) (D) (D) (E) 2% 96

99 E X Y S OD S OD CD E X Y S OD CD (F) (G) (a) (b) 9 97

100 6 7 8 (A) 9 10% 25% (B) (i) (ii) 98

101 (iii) (iv) (A) (B) 11(A) (C)

102 13 (a) (i) (ii) (i) (ii) (b) A

103 1 (A) 10 9 (B) (C) (D) (E) 101

104 2 (A) 3(D) 3(D) (B) 3(D) (C) 3 (A) 9 102

105 (B) (C) (D) 3(A) 3(B) 3(D) 5 (i)(ii) (i) (a) (b) 103

106 (ii) (a) R (b) N 5 (i) N (ii) (a) (i) (ii) (iii) (a)(x) (Y) (b) (i) (ii) 104

107 (c) (d) (a) (i) (ii) (a) (b) 105

108 (b) 5 (i)(ii) (i) (ii) (i)(ii)(a) (b) (E) 106

109 (F) 3(D) 4 (A) (B) 9 5 (A) (i) (ii) (B) (i) (ii) 107

110 (C) (a) (b) (D) (a) 9 10% 25% 108

111 (b) (i) (ii) (iii) (iv) (a) (i) (ii) (i) (ii) (b) 109

112 A

113 1 (A) 12 9 (B) (C) (D) (E) 111

114 2 (A) 3(D) 3(D) (B) 3(D) (C) 3 (A) 9 112

115 (i) (ii) (B) (C) (D) 3(A) 3(B) 3(D) 113

116 5 (i) (a) (b) (ii) (a) R (b) N (i) N (ii) (i) (a) (b) 114

117 (ii) (i)(ii) (iii) (i) (ii) (a) 115

118 (b) 5 (i) (ii) (i)(ii)(a) (b) (a) (b) (E) 116

119 (F) 3(D) 4 (A) (B) 9 5 (i)(ii) (iii) (A) (i) E 1 X 1 Y 117

120 1 M 1 (R/S) M E X Y S R M (ii) (B) (i) 5(B)(iii) E 1 X 1 Y 118

121 1 + M E X Y M (ii) (iii) 5(A) 5(B) 1% (C) (D) (D) 119

122 (E) 2% E X Y S OD S OD CD E X Y S OD CD (F) 120

123 (a) (b) (G) (A) 9 10% 25% 121

124 (B) (i) (ii) (iii) (iv) (i) (ii) (iii) (iv) 10 (i) (ii) (iii) (iv) (A) 122

125 (B) 11(A) (C) (a) (i) (ii) (i) (ii) (b) 9 123

126 A

127 (i) (ii) (iii) S 125

128 (a) (b) (c) 3(2) /71/EC 2010/73/EU (a) 21(1) 21 (b) 126

129 AAA AAAAAA AA AA A A BBB BBB + AAA 127

130 Aaa Aaa Aa Aa A A Baa Baa Aaa

131 129

132 ZC18 1 Basinghall Avenue, London, EC2V 5DD, England 130

133

134 150 90% 70 Saadiq 14 Peter Sands ZC

135 % 7%

136 5 134

137 6 135

138 7 136

139 6.4%5.1% 3.9%2.5% 2.8% 7.7%7.7% 10% 2.8% 3.5% 1.9% 2.6%1.3% 50% 6.4% 6.6% 7.7% 7.4% 8 137

140 % (GCC) 5.1%5.5% 7% (Standard Chartered Development Index) 9 138

141 17%0.04% 4.2% (50%)(75%) 3,50910,290 50% 51.4% 52%30% Janet Yellen

142 11 140

143 98%97% 600 8,500Day One Readiness Wholesale Bank Ready2,100 20,000 99%

144 (v-shesh Ability Foundation) % 400 Gallup OrganisationQ12 RACI Google PeopleSoft Portal

145 PeopleSoft Portal 18,500 86,000 47%40, National Disability Award

146 11 PT Permata Bank Tbk % 10% % % % % % % % 57.4% 54.6% 1% 73%64% 75.7%73.9% 11.7% 11.8% % 11,138 11,138 10,776 10, ,106 4,106 4,075 4, , ,383 2,760 2,760 (14) ,094 1,094 (9) 7, ,480 7,929 7,929 (6) 18, ,618 18,705 18,705 (0) (10,225) (10,225) (10,734) (667) (10,067) (2) 8, ,393 7,971 (667) 8,638 (3) (1,617) (1,617) (1,196) (1,196) (35) (1,129) (1,000) (129) (196) (196) ,979 (894) 6,873 6,761 (667) 7,428 (7)

147 1, %25 1 2% %10% 8% 2% 4%2% % % % % % ,100 1% % % ,800 4, % % 5,8001% 5,400 9, , % % , ,000 4, % % 33% 5.152, % 31.3%

148 1 % 54,534 60,537 (6,003) (10) 83,701 67,796 15, , ,638 10, ,676 3,851 (1,175) (31) 431, ,822 19, ,703 95,374 4, ,176 27,076 2, ,161 49,495 12, , ,945 19, ,143 47,009 4, , ,776 42, ,418 36,427 6, , ,874 8, ,939 41,445 4, , ,746 19, ,030 23,064 (34) 62,289 48,194 14, ,319 71,258 14, ,147 22,873 (726) (3) 49,700 46,019 3, , ,896 36, ,089 39,880 6, , ,776 42, % 73.9% 11.8% 70% 58% 429 7%6%

149 60 10% 290 8% 3, ,298 44% % 1,66918%17%7% 64%26% 32 1, % 49% % 50% 13% %

150 1, ,043 1, ,162 (798) (548) (838) (1,188) (305) (495) (331) (144) (4,647) (139) (78) (371) (310) (38) (63) (22) (13) (1,034) (2) (1) (4) (7) (168) ,518 1, ,184 1, ,021 (772) (554) (796) (1,211) (319) (490) (307) (151) (4,600) (95) (62) (223) (186) (27) (51) (20) (10) (674) (1) (36) (8) (45) ,745 % 2,795 2, ,293 1, ,411 1,526 (8) 1,422 1, (8) 7,162 7,

151 1.41 2% % % % 7% % ,100 1% ,900 4,900 3,900 2% 4,700 1% , % % % % % % 4,900 3, % ,600 3% % , ,800 14%

152 % % % 1,600 7, % % 4,900 3,9004% 30 4,200 5% % 4, % ,900 1% % % % 2,300 2% ,200 11% % 3.104, ,500 4,700 23% 1.604,800 36% 8, ,800 2,500 6% % 1,400 4% 3.055%

153 3,900 32% ,100 41% 3,800 2,400 26% % 4,800 6% % 1% % 4,300 17% ,200 24% 6,300 15% 3, ,700 10% % 11% 21% 19% 7% 2,400 8% % 2,300 13% ,200 2,100 14% % 900 5% ,300 2% 700 5% , % 1,

154 1 2,160 1, ,831 1,224 1,402 1,217 1,989 11,456 (876) (584) (286) (938) (396) (590) (534) (1,139) (5,343) 4 (10) (56) (105) (157) (4) (248) (7) (583) (4) 10 (27) (2) (101) 2 (122) , ,590 1,939 1, ,078 1,147 1,483 1,112 2,025 11,684 (802) (617) (286) (1,051) (435) (608) (478) (1,683) (5,960) (14) (4) (26) (35) (138) (265) (18) (22) (522) (7) (2) (7) (121) 9 (32) 9 (151) , , , % % % 11%20 80% 4% 26% % % , % 13%43% % % 6, % 2,900 19%

155 2,300 3% % % 6% , % 80% 7% 10%G10 5% 3% 6% 16% 8,600 10% % % % % 7,400 9% % , , % % %

156 3,300 5% ,000 13% ,000 1,000 7, % %9% % % ,000 5,6002,000 2, % % % % 8%13% % 2.649% 19% % 9.385,000 6%3% % , ,300 4,600 4,300 4% ,700 7% % 2%12% 3,900 9% % %

157 1, ,300 2% 5.706% 8,100 5% % 50%7% 22% 19% 37% 1,800 3% ,300 7% % % % 13% 23% 21% 30% 17% 5,600 12% % 4,900 8% %25% 2% % %12% % , %

158 % (3) 1,839 1,917 (4) 1,624 1,723 (6) 3,463 3,640 (5) 1 2 3,638 3,661 (1) (10) 2,512 2, (43) 7,178 7,206 (0) 11,456 11,684 (2) % 1,409 1, (5) (3) (6) (16) 3,638 3,661 (1)

159 % 44% 25% 9% % 93 44% 73% 48% % 2% 1% 1%)

160 (Prudential Regulation Authority (PRA) (Financial Conduct Authority (FCA) (BOE) ,

161 (i) (ii) IV

162 (Bernard Madoff) Bernard L. Madoff Investment Securities, LLCBMIS BMIS BMIS BMIS BMIS

163 , , , , , , , ,

164 33 162

165

166 II

167 36 165

168 Permata

169 1 374, ,434 7,774 5, , , , , , , , ,379 99,225 99,225 21,402 21,402 21,324 21,324 (6,454) (6,454) (6,432) (6,432) 117, , , , ,161 5,147 46,242 10,772 49,495 3,245 35,073 11, , ,073 46, , , ,958 35, ,767 46,938 46,938 44,293 44, ,277 61,277 56,647 56,647 7,408 7,408 7,610 7, , , , , , ,073 46, , , ,958 35, , , ,232 7,189 53, ,215 5, ,925 53, , ,846 65, , ,875 43,875 43,615 43,615 11,411 11,411 11,413 11,413 (3,387) (3,387) (2,524) (2,524) 51,899 51,899 52,504 52, ,146 4,773 42,393 12,980 47,443 2,881 34,633 9, ,970 58,483 42, , ,793 68,030 34, ,130 34,657 34,657 34,248 34, ,636 32,636 33,360 33,360 4,767 4,767 4,808 4, ,063 72,063 72,416 72, ,033 58,483 42, , ,209 68,030 34, ,

170 ,0005,400 3,9005,

171 o o 49 o o o 52 o 53 o o

172 , % 120 8% ,105 28,762 23,178 25,149 5,085 6,456 2,083 4, ,802 25,154 33,451 6,688 24,248 6,768 14,271 6,077 50, ,785 (86) (59) (106) (156) (38) (100) (67) (84) (696) 1,2 59,173 62,154 29,760 49,241 11,815 20,627 8,093 55, ,891 1,2 17,658 4,501 4,192 14, , ,512 86,168 31,324 27,567 28,587 26,702 5,190 5,418 1,710 3, ,417 21,515 28,321 7,710 22,526 6,827 14,672 6,327 47, ,921 (74) (47) (132) (166) (39) (138) (63) (63) (722) 1,2 52,765 55,841 36,165 49,062 11,978 19,952 7,974 50, ,616 1,2 19,356 6,205 4,633 8, , ,122 68, % 62% 54%56% 42,240 22,397 65, , ,827 48,449 11, ,785 (696) 295,891 38,475 23,592 68, ,417 96,194 46,195 12, ,921 (722) 284,

173 83 1, % 88 9% ,960 1,435 4,953 5, ,492 24,841 33,451 5,900 6,508 13,361 1,146 49, ,936 (31) (30) (36) (87) (2) (84) (270) 1 41,380 7,305 11,425 19,265 1,154 53, , ,451 3, , ,244 52,418 27,567 1,579 5,062 4, ,857 42,035 28,321 4,793 6,590 13,648 1,641 46, ,093 (47) (31) (37) (125) (3) (63) (306) 1 55,841 6,341 11,615 18,478 1,653 48, , ,205 2, , ,767 38, %63% 59% 22%45% 16,395 4,498 3,948 24,841 68,766 32,172 8, ,936 (270) 134,507 16,662 5,318 20,055 42,035 59,254 31,426 10, ,093 (306) 142,

174

175 (i) (ii)(iii) %95% % % %96% ,9000.5%

176 1 5 73,861 61,617 58, ,477 59,117 63,216 59, , ,325 68,706 42, ,164 7,757 61,739 41, , ,825 27,964 21,321 49,285 1,457 21,324 21,596 42, ,738 2,629 4, ,400 2,689 4,089 86, , , ,293 68, , , ,940 4, , , ,507 2,968 5, ,434 3,559 4, , , ,381 3,897 7, ,606 4,490 9, ,486 1,279 6, ,400 1,232 5,632 (100) (2,107) (642) (2,749) (103) (1,764) (566) (2,330) 107 3, , , ,302 1, , ,452 86, , , ,587 68, , , ,338 (2) (300) (396) (696) (2) (300) (422) (722) 86, , , ,891 68, , , , ,271 1,026 1, ,237 1, ,321 3, ,048 3, ,467 4,583 4, ,978 4, ,467 5,307 5, ,978 4,978 86, , , ,293 68, , , , ,381 3,699 7, ,606 4,282 8, , , , ,998 68, , , , , , , , , , , , ,941 86, , , ,587 68, , , ,338 (2) (300) (396) (696) (2) (300) (422) (722) 86, , , ,891 68, , , ,

177 1 5 41,189 37,633 6,207 43,840 29,383 40,693 17,665 58, ,687 45,658 12,764 58,422 7,332 40,360 16,185 56, ,498 19,646 3,232 22,878 1,162 13,270 4,896 18, ,044 1,604 2, ,697 2,646 52, ,981 23, ,788 37,909 95,272 40, ,715 3, , , , ,227 1, , , , , ,579 1,519 5, , , , ,616 (22) (1,429) (153) (1,582) (24) (1,141) (160) (1,301) 13 2, , , ,315 1, , , ,936 24, ,777 38, ,093 42, ,128 (1) (182) (88) (270) (1) (192) (114) (306) 52, ,754 24, ,507 38, ,901 41, , , ,166 1, ,892 2, ,037 3, ,467 3,998 3, ,840 4, ,467 4,722 4, ,840 4,840 52, ,981 23, ,788 37,909 95,272 40, , , , ,579 1,452 5, (2) , ,533 24, ,272 37,910 99,271 41, , , , , , , , , ,964 52, ,936 24, ,777 38, ,093 42, ,128 (1) (182) (88) (270) (1) (192) (114) (306) 52, ,754 24, ,507 38, ,901 41, ,

178 36 73% 86% 23% 25% 76 1,970 1, ,536 2, , ,926 3,531 1, ,802 3,897 1, ,955 3,398 5, ,757 7,295 6, ,802 3,897 1, ,785 3,381 5, ,587 7,278 6,765 86, , ,119 2, ,594 1, ,713 4,622 1, ,417 4,490 1, ,493 4,609 4, ,910 9,099 5, ,417 4,490 1, ,921 4,606 4, ,338 9,096 5,632 68, , ,322 1, , ,710 1, , ,355 3,076 4, ,196 4,059 4,560 24, ,936 3,063 4, ,777 4,046 4,525 52, , , ,941 1, ,149 2, ,035 1, ,118 3,580 3, ,153 5,099 3,755 42,035 1, ,093 3,579 3, ,128 5,098 3,616 38, ,

179 % % 51% 61%64%

180 6783 1,266 4,272 5,538 1,069 3,043 4,112 (29) (141) (170) 4 (43) (39) (111) (111) 1,053 1,912 2, ,681 2,367 1,024 1,912 2, ,533 2, (905) (838) (1,743) (493) (409) (902) (130) (86) (216) (88) (175) (263) (108) (613) (721) (86) (163) (249) (578) (44) (622) (265) (66) (331) (89) (95) (184) (54) (5) (59) 1,274 5,205 6,479 1,266 4,272 5,538 1 (590) (2,193) (2,783) (525) (1,866) (2,391) 684 3,012 3, ,406 3,147 (396) (302) (698) (422) (302) (724) 288 2,710 2, ,104 2,423 77% 48% 54% 75% 51% 56% ,101 3, ,034 2,354 (12) (113) (125) (2) (36) (38) 83 1,379 1, ,333 1, ,379 1, ,209 1, (117) (518) (635) (109) (230) (339) (5) (31) (36) (13) (55) (68) (22) (412) (434) 9 (68) (59) (34) (25) (59) (49) (31) (80) (56) (50) (106) (56) (76) (132) 255 3,849 4, ,101 3,402 1 (153) (1,436) (1,589) (159) (1,164) (1,323) 102 2,417 2, ,937 2,079 (88) (183) (271) (114) (193) (307) 14 2,234 2, ,744 1,772 95% 42% 45% 91% 44% 48%

181 a. 150 b. 90 c. 90 d

182 ,440 4,709 6,149 1,223 3,450 4,673 (32) (140) (172) 12 (40) (28) (111) (111) 1,104 1,967 3, ,561 2,243 (118) (87) (205) (47) (175) (222) 1 (806) (756) (1,562) (430) (87) (517) 1,477 5,693 7,170 1,440 4,709 6, ,522 3, ,417 2,724 (12) (113) (125) (2) (36) (38) 79 1,436 1, ,239 1,329 (6) (3) (9) (10) (48) (58) 1 (107) (489) (596) (85) (50) (135) 254 4,353 4, ,522 3,

183 4.168, , , ,157 1, ,672 (81) (16) (97) (1,173) (1,173) (935) (935) (3) (3) (3) (3) (93) (93) (77) (77) (42) (25) (67) 2, ,177 1, ,794 (410) (155) (565) (448) (151) (599) 1, ,612 1,230 (35) 1,195 2, ,547 2, ,157 1, ,632 1, ,365 (80) (36) (116) (7) (1) (8) (302) (302) (324) (324) (55) (55) (42) (42) (113) (62) (175) (143) (79) (222) (40) 541 1, ,875 1, ,

184 , ,433 6 (36) (37) (11) (3) (81) (161) (154) (339) (364) (46) (59) (28) (22) (1,173) (1) (2) (3) (3) (5) (10) (21) (22) (26) (3) (3) (93) (42) (42) ,007 (48) (29) (92) (130) (21) (68) (14) (8) (410) , , , , (7) (9) (4) 1 4 (155) (57) (175) (319) (42) (123) (29) (35) (935) (2) (2) 1 (3) (2) (3) (13) (17) (13) (28) (1) (77) ,678 (49) (49) (81) (165) (26) (53) (14) (11) (448) , , ,

185 ,325 (19) (24) (38) 3 (2) (80) (127) (74) (46) (44) (11) (302) (4) (5) (21) (22) (3) (55) (20) (15) (20) (51) (7) (113) , ,017 1 (4) (6) 2 (7) (102) (76) (42) (73) (1) (30) (324) (3) (4) (13) (22) (42) (49) (17) (20) (45) (1) (11) (143) ,

186 % 13%12%

187 389 4,233 4, , ,816 5, , (52) (14) (66) (41) (1) (42) ,290 5, ,209 1, ,228 1, ,169 (45) (385) (430) (55) (231) (286) , , ,020 6,133 7, ,552 2, ,816 5, , ,317 1, ,452 1,020 6,133 7, ,552 2,

188 28 Korea Housing Finance Corporation %3% 2,600 23,252 13,983 12,641 14,224 2,176 1, ,355 69,789 7,468 11,471 5,663 5, ,397 1,367 3,559 39,369 3,385 3,308 4,874 5,335 2,055 1, ,644 34,105 28,762 23,178 25,149 5,085 6,456 2,083 4, ,802 (57) (28) (93) (124) (21) (45) (25) (3) (396) 34,048 28,734 23,085 25,025 5,064 6,411 2,058 4, ,406 21,441 14,278 16,686 14,832 2,284 1, ,221 72,627 6,843 10,038 6,936 6, ,902 1,152 2,696 37,760 3,040 3,251 4,965 5,483 2, ,030 31,324 27,567 28,587 26,702 5,190 5,418 1,710 3, ,417 (50) (26) (116) (140) (20) (44) (22) (4) (422) 31,274 27,541 28,471 26,562 5,170 5,374 1,688 3, ,

189 172 41% 22% 29 46% 191 2,117 1, ,356 5,511 7, ,211 3,066 15, , ,446 7,960 1,435 4,953 5, ,492 24,841 (1) (21) (21) (42) (3) (88) 7,959 1,414 4,932 5, ,489 24,753 14, ,228 1, ,856 10,038 1, ,728 2,308 16,841 3, , ,338 27,567 1,579 5,062 4, ,857 42,035 (26) (24) (20) (41) (3) (114) 27,541 1,555 5,042 4, ,854 41, ,273 8,640 56,876 69,789 26,709 10,346 2,314 39,369 11,258 3,411 5,975 20,644 42,240 22,397 65, ,802 (396) 129,406 3,612 9,140 59,875 72,627 24,082 10,923 2,755 37,760 10,781 3,529 5,720 20,030 38,475 23,592 68, ,417 (422) 129,

190 1,529 1,253 2,729 5,511 12,964 2, ,884 1, ,446 16,395 4,498 3,948 24,841 (88) 24, ,772 16,473 18,856 13,418 2, ,841 2, ,752 6,338 16,662 5,318 20,055 42,035 (114) 41,

191 95% 47.7% 39 3% ,700 7,600 67,844 1, ,905 70,313 2, ,764 37,742 1, ,673 35,810 1, ,988 19, ,866 19, , ,268 3,897 1, , ,261 4,490 1, ,983 (642) (566) (396) (422) 129, ,995 33,622 28,245 22,263 23,636 4,587 6,025 2,006 4, , , , ,279 (24) (19) (185) (154) (32) (164) (14) (50) (642) (57) (28) (93) (124) (21) (45) (25) (3) (396) 34,048 28,734 23,085 25,025 5,064 6,411 2,058 4, ,406 30,878 26,956 27,340 25,142 4,825 4,772 1,629 3, , ,059 1, , ,232 (24) (15) (141) (140) (29) (165) (12) (40) (566) (50) (26) (116) (140) (20) (44) (22) (4) (422) 31,274 27,541 28,471 26,562 5,170 5,374 1,688 3, ,

192 5, ,574 18, ,923 15, ,910 16, ,863 3, ,510 5, ,409 23, ,994 40,443 1, ,195 (153) (160) (88) (114) 24,753 41,921 7,937 1,349 4,464 5, ,416 23, (5) (32) (106) (1) (9) (153) (1) (21) (21) (42) (3) (88) 7,959 1,414 4,932 5, ,489 24,753 26,955 1,544 4,710 4, ,793 40, , (15) (5) (29) (109) (2) (160) (26) (24) (20) (41) 1 (4) (114) 27,541 1,555 5,042 4, ,854 41,

193 73%9% ,789 69,789 72,627 72,627 17,737 21,632 39,369 15,509 22,251 37,760 6,540 11,756 2,348 20,644 5,985 11,634 2,411 20,030 94,066 11,756 23, ,802 94,121 11,634 24, ,417 73% 9% 18% 72% 9% 19% ,511 5,511 18,856 18,856 12,383 3,501 15,884 11,529 5,312 16, , ,446 2,219 3, ,338 18,286 2,681 3,874 24,841 32,604 3,283 6,148 42,035 73% 11% 16% 78% 8% 14%

194 47.7%47.8% 50% 100% 0.5% 0.3% % % % % % % % % % 50% % 59% % 69% % 79% % 89% % 99% % ,252 13,983 12,641 14,224 2,176 1, ,355 69,789 % % % % % % % % % 50% % 59% % 69% % 79% % 89% % 99% % ,441 14,278 16,686 14,832 2,284 1, ,221 72,

195 % % % % % % % 50% % 59% % 69% % 79% % 89% % 99% % ,117 1, ,356 5,511 % % % % % % % 50% % 59% % 69% % 79% % 89% % 99% % , ,228 1, ,

196 % 1, ,384 (30) (27) (87) (127) (18) (54) (12) (4) (359) , (10) , ,092 (44) (49) (72) (157) (19) (52) (12) (3) (408) (9) 3 (19) 3 (10) (18) (15) (17) (42) (4) (96) (49) (17) (18) (43) (1) (3) (131) (1) (1) 3 (19) (15) (1)

197 (33) (813) (103) ,025 (949) (35) ,034 (984) 1, (8) (486) (105) (599) (10) (591) (5) (183) (29) (217) (32) (249) (174) (15) (188) (15) (2) (190)

198 ,274 1 (24) (14) (185) (107) (32) (164) (14) (50) (590) (396) % ,266 1 (24) (14) (141) (100) (29) (165) (12) (40) (525) (422) % (5) (32) (106) (1) (9) (153) (9) 102 (88) 14 95% (14) (5) (29) (109) (2) (159) (114) 28 91%

199 120 8% , , ,967 5,948 16, , , ,679 43, ,481 5,410 3, , , ,918 21, ,699 1,217 2,605 1, ,819 16,104 6,891 4,136 3,700 9,399 2,939 2,604 2,086 10,311 42,066 4,023 2,959 1,181 1,813 1,311 1, ,327 13,630 2,312 3, , ,828 14, ,998 25,154 33,451 6,688 24,248 6,768 14,271 6,077 50, ,785 (29) (31) (13) (32) (17) (55) (42) (81) (300) 25,125 33,420 6,675 24,216 6,751 14,216 6,035 50, ,485 17,658 4,501 4,192 14, , ,512 86, ,079 4, , ,583 4,983 11, , , ,229 33, ,723 4,816 2,702 2, , , ,149 22, , , ,495 14,835 6,018 3,845 4,182 8,690 2,864 2,893 2,208 8,941 39,641 3,524 2,296 1,354 1,413 1,270 1, ,543 2,400 3, ,411 14, ,294 21,515 28,321 7,710 22,526 6,827 14,672 6,327 47, ,921 (24) (21) (16) (26) (19) (94) (41) (59) (300) 21,491 28,300 7,694 22,500 6,808 14,578 6,286 46, ,621 19,356 6,205 4,633 8, , ,122 68,

200 , , ,835 16, , ,753 32, ,481 4, , , ,847 13, ,426 2, ,819 14,250 4,136 1,503 2,864 1, ,227 21,011 2, ,234 1,006 1,327 6,883 3, ,360 9, ,367 33,451 5,900 6,508 13,361 1,146 49, ,936 (30) (9) (15) (45) (2) (81) (182) 33,421 5,891 6,493 13,316 1,144 49, ,754 4,451 3, , ,244 52, ,079 3, , ,116 11, , ,304 23, ,723 3,565 2,184 1, , ,074 16, ,798 1, ,495 13,546 3,845 1,426 2,759 2, ,755 19,420 2, ,229 1, ,464 3, ,674 9, ,321 4,793 6,590 13,648 1,641 46, ,093 (21) (7) (17) (84) (3) (60) (192) 28,300 4,786 6,573 13,564 1,638 46, ,901 6,205 2, , ,767 38,

201 64%62% 1, ,734 2, ,967 38,348 4, ,209 1,587 1,690 2,133 5,410 13,343 8, ,939 1, ,699 8,210 5,993 1,901 16,104 29,343 10,761 1,962 42,066 4,062 8, ,630 4,953 5,599 3,477 14, , ,827 48,449 11, ,785 (300) 166,485 3, ,394 3,159 1, ,583 28,941 4, ,598 1,863 1,043 1,910 4,816 13,839 7,581 1,067 22,487 2, ,254 6,873 5,275 2,687 14,835 26,629 11,187 1,825 39,641 4,180 6, ,543 3,852 6,951 3,673 14, ,294 96,194 46,195 12, ,921 (300) 154,

202 63%59% 1, ,040 1, ,835 29,313 2, , ,013 2,021 4,026 7,717 5, ,953 1, ,426 6,689 5,772 1,789 14,250 13,728 5,935 1,348 21,011 1,975 4, ,883 3,425 3,796 2,315 9, ,367 68,766 32,173 8, ,936 (182) 109,754 2, ,809 2, ,116 20,783 2, ,810 1, ,885 3,565 9,010 6,127 1,044 16,181 1, ,798 5,853 5,065 2,628 13,546 11,874 6,431 1,115 19,420 1,831 3, ,464 2,094 4,761 2,788 9, ,254 31,426 10, ,093 (192) 100,

203 95% % % 2, ,917 4, ,423 3, ,035 4, ,655 42, ,897 33, ,266 5, ,420 4, ,824 20, ,259 22,185 18,897 2,616 1,139 22,652 1, ,699 3, ,254 14,918 1, ,150 14, ,844 40, ,731 42,666 38, ,176 40,202 13, ,661 11, ,567 13, ,225 14, ,673 1, ,037 1, , ,025 3,381 5, , ,679 4,606 4, ,685 (2,107) (1,764) (300) (300) 166, ,621 86, ,270 68, ,675 (100) (103) (2) (2) 86,168 68,

204 1, ,216 3, ,828 2, ,883 2, ,163 31, ,046 23, ,235 3, ,026 3, ,571 12, ,202 14,192 12,814 2,469 1,058 16,341 1, ,426 1,798 1,798 13,084 1, ,283 13, ,545 19, ,324 18, ,713 6, ,885 5, ,470 8, ,701 9, ,822 1, , ,981 3,063 4, ,365 95,272 3,579 3, ,234 (1,429) (1,141) (182) (192) 109, ,901 52, ,441 37, ,049 (22) (24) (1) (1) 52,418 38,

205 24,982 32,586 6,606 23,798 5,923 12,607 5,614 47, , ,597 3, , ,486 (38) (9) (136) (277) (324) (1,042) (260) (21) (2,107) (29) (31) (13) (32) (17) (55) (42) (81) (300) 25,125 33,420 6,675 24,216 6,751 14,216 6,035 50, , ,674 28,036 7,554 22,171 6,186 12,697 6,212 44, , ,779 4, , ,400 (50) (74) (105) (219) (241) (1,008) (37) (30) (1,764) (24) (21) (16) (26) (19) (94) (41) (59) (300) 21,491 28,300 7,694 22,500 6,808 14,578 6,286 46, ,621 32,587 5,790 5,666 11, , , ,597 3, , ,321 (10) (141) (320) (724) (163) (71) (1,429) (30) (9) (15) (45) (2) (81) (182) 33,421 5,891 6,493 13,316 1,144 49, ,754 28,036 4,705 5,950 11,722 1,632 43,227 95, ,779 3, , ,383 (74) (112) (241) (680) (3) (31) (1,141) (21) (7) (17) (84) (3) (60) (192) 28,300 4,786 6,573 13,564 1,638 46, ,

206 17,648 4,488 4,192 14, , ,498 86, (78) (22) (100) (1) (1) (2) 17,658 4,501 4,192 14, , ,512 86, ,349 6,205 4,633 8, , ,104 68, (78) (25) (103) (1) (1) (2) 19,356 6,205 4,633 8, , ,122 68,570 4,438 3, , ,232 52, (22) (22) (1) (1) 4,451 3, , ,244 52,418 6,205 2, , ,749 37, (24) (24) (1) (1) 6,205 2, , ,767 38,

207 ,9701,860 49% 15.3% 12,278 9,039 15,125 13,141 AAA 45 4 AA- AA+ 9,652 3,390 BBB- BBB+ 2, BBB ,313 5,004 6,151 18,351 11,571 17,636 17,843 63,390 51,594 10,637 6,439 8,563 7,376 AAA 1,411 1,537 AA- AA+ 6,886 3,097 BBB- BBB+ 2, BBB ,285 4,084 5,063 15,699 11,307 10,489 11,819 45,388 36,

208 % % % % % % % % % 50% % 59% % 69% % 79% 80% 89% 90% 99% 100% ,165 1, ,072 1, ,758 % % % % % % % % % 50% % 59% % 69% % 79% % 89% 90% 99% 100% , ,263 1, ,

209 % % % % % % % 50% % 59% % 69% % 79% 80% 89% 90% 99% 100% , , ,081 % % % % % % % 50% % 59% % 69% % 79% 80% 89% 90% 99% 100% , ,263 1, ,

210 2,600 5% (18) (2) (5) (3) (3) (14) (2) (4) (51) (11) (4) 10 7 (40) (5) (4) (5) (9) (8) (7) (1) (2) (8) (40) (3) 2 (10) 5 (45) (3) (25) (1) (2)

211 (2) (3) (9) (3) (17) (1) (1) (1) (19) (6) (2) (2) (8) (12) (34) (26) (18) (18)

212 (24) (17) (6) (209) (2) (25) (5) 39 1, (230) 2, (6) 300 2, (236) 2, (1) (2) (1) (2) (12) (120) (82) (5) (2) 31 1, (138) 1, (23) , (136) 2, (2)

213 (20) (5) (17) (6) (3) (148) (2) (2) (21) , (152) 1, (6) (4) 182 1, (156) 1, (2) (2) (2) (82) (234) (4) (81) 1, (25) , (80) 1, (4) (4)

214 % , ,205 1 (38) (9) (136) (355) (324) (1,028) (260) (43) (2,193) ,012 (302) 2,710 48% , ,272 1 (50) (14) (105) (304) (240) (1,061) (37) (55) (1,866) , ,406 (302) 2,104 51%

215 , ,853 1 (10) (141) (320) (710) (163) (93) (1,437) ,416 (183) 2,233 42% , ,101 1 (74) (79) (240) (713) (3) (55) (1,164) , ,937 (193) 1,744 44%

216 (204) (204) (159) (159) AAA 23,771 4,456 28,227 20,755 6,516 27,271 AAAA+ 23,267 19,228 42,495 20,232 6,594 26,826 AA+ 21,392 1,087 22,479 23,570 10,694 34,264 BBBBBB+ 5,913 4,238 10,151 10,122 3,818 13,940 BBB- 3, ,189 3, ,529 8,101 1,500 9,601 6,471 1,571 8,042 85,735 31, ,142 84,177 29, ,872 85,920 31, ,327 84,422 29, , ,407 5,161 17,568 14,882 2,955 17, ,545 26,246 96,791 65,356 26,740 92,096 83,244 31, ,651 80,571 29, , ,676 2,676 3,851 3,851 85,920 31, ,327 84,422 29, , , AAA AAA

217 (121) (121) (128) (128) AAA 20,350 2,907 23,257 17,800 6,289 24,089 AAAA+ 7,472 1,538 9,010 7, ,726 AA+ 3,200 3,200 3,423 3,423 BBBBBB+ 4,850 2,977 7,827 7,389 2,690 10,079 BBB- 2, ,450 1, ,884 5, ,153 4, ,294 43,584 8,313 51,897 42,969 9,526 52,495 43,586 8,313 51,899 42,978 9,526 52, ,543 2,276 8,819 8, ,646 35,242 6,037 41,279 31,782 8,805 40,587 41,785 8,313 50,098 40,707 9,526 50, ,801 1,801 2,271 2,271 1,801 1,801 2,271 2,271 43,586 8,313 51,899 42,978 9,526 52,

218 1 1 46% 3,059 3,052 3,045 46% 2,160 2,114 2,120 3% % % % % 3,126 3,081 3,124 39% 1,869 1,847 1, % 6,729 6,556 6, % 4,767 4,519 4,551 2% % % 5,295 5,202 5,202 61% 2,905 2,786 2,786 19% 1,276 1,196 1,234 35% 1,672 1,542 1, % 6,729 6,556 6, % 4,767 4,519 4, %0.7%) AAA 95% A 80%AAA AA (1) (1) (3) (3)

219 (GIIPS) 5 GIIPS GIIPS32% GIIPS32% , , ,444 (70) (167) (237) (192) (5) (197) (1) (16) (1) (3) (21) (1) (208) (76) (170) (455) , , ,

220 (GIIPS) 3 GIIPS , , , ,323 (69) (167) (236) (191) (5) (196) (12) (4) (16) (203) (74) (171) (448) , , , , , ,

221 GIIPS (1) (4) (53) (2) (60) (204) (23) (168) (395) , , , , , ,

222 GIIPS 8 1, , , ,551 (50) (3) (53) 8 1, , (0) (203) (24) (168) (395) , , , , , , , , ,

223 GIIPS ,911 4,303 1,695 1,122 10, , , ,817 4,516 5,390 7,735 1,916 19,557 3,738 12,809 12,114 2,594 31,255 57% 30 GIIPS ,931 4, ,122 8, , ,004 2,909 5,003 5,851 1,817 15,580 2,378 12,251 10,178 2,502 27,309 GIIPS

224 1% 44.56%Permata 1% 32,220 14,449 46,669 23,809 11,783 35,592 12,566 18,295 30,861 12,230 18,200 30,430 19,001 7,287 26,288 22,485 6,730 29,215 21,164 8,210 29,374 18,096 8,458 26,554 19,328 5,749 25,077 16,561 5,508 22,069 6,281 10,997 17,278 6,580 11,293 17,873 9,093 7,415 16,508 9,696 6,693 16,389 5,770 3,006 8,776 5,050 4,983 10, ,959 4,958 8,917 4,094 4,410 8,504 1,943 5,919 7,862 1,456 4,189 5,645 6,175 2,002 8,177 4,157 1,613 5,770 3,878 3,396 7,274 2,255 2,111 4,366 1 Permata

225 97.5% Monte Carlo (Risks-not-in- VaR) 3%

226 97.5% 14% 8% 23% 31% 37% 14% 97.5% Prudential Sourcebook IV/CRR

227 Prudential Sourcebook IV/CRR

228 %

229 15 7% 62,161 61,059 1,102 86,168 13,472 72, ,891 8, ,248 85,920 11,638 74,282 31,407 5,151 26,256 6,454 1,348 5,106 36,004 10,918 25, , , ,776 44,427 44, , ,971 52,762 52,762 62,289 60,563 1,726 5,293 5, ,742 65, ,

230 (33.9) (33.1) ,079 6,619 5,194 6,301 3,793 4,025 2,853 2,946 3,084 2,245 2,925 1,195 1,640 1,662 1,766 1,598 1,650 1, , ,010 3,648 35,517 33,349 1%

231

232 (58%

233 42.5% 57.5% 43.1%56.9% 64% % 27.1% % %

234 3.1%2.2% 9,946 44,588 54,534 9,336 51,201 60,537 62,161 62,161 49,495 49, ,917 36,890 2,361 86,168 37,455 30, , ,760 1, , ,238 2, , ,355 71,910 3, ,781 48,910 70,041 1, ,549 19,809 13,685 33,494 19,216 9,259 28, ,493 2,493 2,552 2,552 1,767 1,767 1,684 1,684 5,694 5,694 6,787 6,787 6,903 6,903 6,620 6, , ,388 20, , , ,634 13, ,

235 1.9%2.0% 4,144 37,128 41,272 4,629 45,026 49,655 60,146 60,146 47,443 47, ,090 20,076 2,252 52,418 18,132 19, , , , ,711 1, , ,816 45,470 55,286 8,662 45, ,028 16,565 5,055 21,620 13,724 5,055 18,779 17,520 17,520 18,029 18, ,133 1,133 1,170 1,170 15,307 15,307 14,105 14, ,031 1, , ,674 7, , , ,614 7, ,

236 1 295, , , ,117 % % , , , ,850 % %

237 2,099 2, , ,439 1,621 31,998 54,534 (6) (2,028) (542) (4,361) (478) (1,591) (644) (296) (9,946) 17,652 4,501 4,192 14, , ,498 86,061 (2,091) (4,792) (1,479) (6,926) (459) (1,574) (566) (26,540) (44,427) 10,247 3,627 6,794 1,618 2,167 1,620 2,777 2,557 31,407 20,273 11,391 5,271 15,179 2,495 4,387 2,803 24,121 85,920 4,256 2,988 3,664 12,590 1,760 3,784 1,307 3,525 33,874 11,206 3, , ,856 32,164 4,811 4, , ,229 6,740 19,882 (170) (348) (769) (43) (1,051) (2,381) 48,004 14,425 15,123 33,030 4,055 7,511 6,733 72, , , ,296 62, ,753 22,747 41,914 19, , ,678 (%) ,880 1, , ,138 1,463 40,002 60,537 (4) (1,759) (182) (4,477) (571) (1,483) (508) (352) (9,336) 19,351 6,205 4,633 8, , ,104 68,364 (1,585) (2,005) (1,769) (5,628) (441) (1,934) (540) (23,493) (37,395) 5,454 4,102 9,119 2,737 1,996 1,928 2,260 2,099 29,695 21,207 11,352 4,299 14,303 3,617 4,472 2,810 22,362 84,422 4,916 3,152 2,194 11,961 2,651 3,721 1,134 3,959 33,688 12,537 4,453 1,083 1, ,445 32,261 3,754 3,747 1, ,357 6,958 18,473 (357) (655) (320) (828) (27) (1,353) (3,540) 45,946 19,172 16,594 26,445 5,189 8,169 5,863 65, , , ,997 69, ,406 23,812 40,779 17, , ,776 (%)

238 1,476 4, , ,956 41,272 (1,476) (534) (463) (1,327) (47) (297) (4,144) 4,451 3, , ,231 52,405 (4,792) (2,574) (458) (1,411) (218) (26,513) (35,966) 2, , ,556 8,313 9,049 1,526 2,495 3, ,095 43,586 2,184 1,456 1,760 3, ,348 12,306 2, ,816 17,606 3, ,931 13,674 (348) (769) (1,100) (2,217) 10,483 7,549 3,960 6,235 1,094 73, ,249 86,214 23,465 21,947 37,860 3, , ,037 (%) ,915 5, , ,953 49,655 (1,759) (699) (553) (1,213) (53) (352) (4,629) 6,205 2, , ,749 37,909 (2,005) (1,824) (440) (1,681) (58) (23,335) (29,343) 4, , ,100 9,526 11,287 1,404 3,617 4, ,148 42,978 3,086 1,026 2,651 3, ,959 14,181 4, ,465 17,271 3, ,724 11,526 (75) (15) (808) (1,489) (2,387) 19,670 6,653 5,090 6, , , ,516 23,462 22,986 36,471 2, , ,320 (%)

239 BCBS238 III 110% 120% AA-A+ A

240 70% 44, ,961 54,534 6,820 7,376 8,403 4,514 3,612 9,085 13,633 8,718 62, ,890 21,704 13,349 5,543 5,153 1,647 1, , ,036 29,469 23,541 10,772 11,553 22,549 48,297 76, , ,496 13,948 12,567 7,252 11,234 21,052 30,355 15, ,781 14,677 10,964 2, ,606 51, ,228 83,725 60,160 28,125 31,868 54,368 94, , , ,084 4,873 1, , ,638 48,630 26,473 12,864 10,793 2,574 6,310 3, ,971 6,922 7,306 9,608 4,101 3,472 8,725 13,104 9,051 62, , , ,114 13,252 11,516 1,422 1,938 1,141 1,992 4,858 46,233 12,759 8,665 3, ,099 10,911 38,629 16,364 16, ,785 17,356 22, ,359 83,017 53,265 20,171 16,831 13,770 30,792 47, ,589 (175,131) 708 6,895 7,954 15,037 40,598 63,492 86,536 46,

241 51,201 9,336 60,537 4,787 5,705 4,365 3,079 2,079 6,762 12,272 10,446 49, ,392 16,312 6,275 3,514 9,127 1,635 1, , ,261 28,393 21,819 12,678 9,796 20,566 49,221 80, , ,205 16,578 13,609 7,520 12,912 15,695 31,575 14, ,549 9,663 12,602 1, ,676 47, ,509 79,590 47,970 27,393 34,191 44,738 94, , , ,869 2,541 1, , ,949 49,271 29,693 10,605 12,674 6,045 4,828 7, ,117 4,887 5,190 4,685 3,355 2,110 6,382 11,925 9,660 48, ,339 1, ,081 1, , ,961 15,862 4,889 2,278 2,723 1,693 1,454 2,725 39,585 9,671 7,273 3,499 1, ,580 35,515 15,096 15, ,496 17,805 22, ,200 81,605 45,521 18,480 19,360 16,075 24,335 49, ,896 (170,691) (2,015) 2,449 8,913 14,831 28,663 70,065 87,665 39,

242 37,128 4,144 41,272 6,550 7,319 8,189 4,429 3,529 8,706 12,734 8,690 60, ,076 12,627 9,444 3,688 3,514 1,568 1, , ,064 17,321 12,236 5,100 6,170 10,278 26,392 12, , ,693 3,103 3,747 2,562 3,601 8,963 20,040 10,577 55,286 14,763 14,763 12,155 8,547 1, ,813 25,125 17,520 17, ,186 48,917 35,066 15,812 16,920 29,522 60,597 54, , ,578 3,663 1, , ,914 25,002 11,456 5,858 3, , ,431 6,685 7,191 9,404 4,111 3,306 8,318 12,267 8,421 59, ,332 11,667 10,855 1,329 1,835 1,129 1,177 2,836 40,160 8,360 4,915 2, ,777 19,844 33,096 33,096 4,691 15,050 19, ,965 52,438 35,130 12,201 9,169 10,168 22,816 29, ,130 (58,779) (3,521) (64) 3,611 7,751 19,354 37,781 24,774 30,

243 49,655 49,655 4,751 5,118 4,747 2,711 1,791 7,170 10,747 10,408 47, ,169 7,486 5,178 1,607 1,877 1,503 1, , ,083 15,642 11,615 6,540 3,730 12,282 24,462 30, , ,317 3,252 5,712 3,388 3,859 6,668 19,079 9,753 55,028 13,571 13,571 8,257 9,816 1, ,009 22,748 18,029 18, ,261 41,314 28,732 14,346 11,314 27,638 55,334 67, , ,996 1, , ,062 26,558 14,056 6,472 4,204 4,980 2, ,850 4,555 5,107 4,527 3,360 1,789 5,693 11,460 9,506 45, ,228 14,993 4,450 1,982 2,688 1,478 1,492 1,285 35,596 6,738 3,518 2, ,127 17,319 39,244 39, ,486 20, ,408 51,792 25,715 13,336 8,915 12,524 16,090 32, ,688 (60,147) (10,478) 3,017 1,010 2,399 15,114 39,244 34,473 24,

244 ,193 27,724 18,204 8,491 17,867 21,239 88,092 59, , ,990 21,855 13,342 5,532 5,072 1,554 1, ,168 92,183 49,579 31,546 14,023 22,939 22,793 89,757 59, , ,804 5,063 1, , ,684 28,574 16,700 11,055 23, ,686 58,868 4, , ,488 33,637 18,172 11,482 23, ,824 59,465 5, ,398 (75,305) 15,942 13,374 2,541 (852) (93,031) 30,292 53,700 (53,339) 1 56,217 25,101 21,296 16,201 12,409 2,093 86,169 65, , ,152 13,238 9,299 3,245 3,359 1,196 1, ,570 92,369 38,339 30,595 19,446 15,768 3,289 88,079 65, , ,543 2,722 1, , ,574 37,998 26,839 11,732 26, ,071 43,885 8, , ,117 40,720 27,978 11,857 26, ,375 44,188 8, ,512 (63,748) (2,381) 2,617 7,589 (10,940) (103,086) 43,891 56,732 (69,326)

245 1 39,961 19,322 12,381 5,203 6,450 10,538 27,295 13, , ,174 12,698 9,409 3,674 3,513 1,536 1, ,418 60,135 32,020 21,790 8,877 9,963 12,074 28,565 13, , ,319 3,774 1, , ,509 19,361 11,361 7,194 6,664 4,585 42, ,431 99,828 23,135 12,546 7,313 6,814 4,627 43, ,397 (39,693) 8,885 9,244 1,564 3,149 7,447 (14,525) 13,457 (10,472) 1 33,074 16,320 14,091 7,185 4,552 13,242 24,011 30, , ,803 4,675 3,155 1,233 1,482 1,025 1, ,024 57,877 20,995 17,246 8,418 6,034 14,267 25,495 30, , ,030 1, , ,676 23,096 20,234 7,956 8,607 5,101 52, ,850 84,706 24,411 20,670 7,997 8,752 5,261 52, ,193 (26,829) (3,416) (3,424) 421 (2,718) 9,006 (26,858) 30,471 (23,347)

246 ,084 4,873 1, , ,638 48,630 26,473 12,864 10,793 2,820 6,972 4, , ,592 13,543 12,436 4,020 2,636 1,749 4,973 5,660 55, ,020 31,325 40,272 12,759 8,665 3, ,099 10,911 38, ,081 75,824 43,952 18,538 14,316 6,315 20,652 52, , ,869 2,585 1, , ,949 49,271 29,693 10,605 12,674 7,219 5,002 8, , ,334 17,201 6,627 3,046 3,460 4,029 3,665 3,214 49, , ,493 32,424 40,802 9,671 7,273 3,499 1, ,580 35, ,311 76,622 41,164 15,459 17,970 12,601 15,491 55, ,

247 1 30,578 3,663 1, , ,914 25,002 11,641 5,858 3, , , ,332 11,667 10,855 1,329 1,835 1,129 1,366 3,227 40, ,571 28,881 37,142 8,360 4,915 2, ,777 19, ,186 45,354 26,159 8,361 6,111 2,837 12,502 35, , ,996 1, , ,062 26,558 14,161 6,518 4,204 5,086 2, , ,228 14,993 4,452 1,982 2,785 1,494 1,547 1,554 36, ,506 28,061 36,469 6,738 3,518 2, ,127 17, ,609 46,863 21,526 10,022 7,567 7,890 9,917 33, ,

248 9% 204, , ,101 98,972 88, , ,221 82,249 1,050, , , ,576 45,166 35, ,875 13,449 46, , , , , , , , ,817 80,627 1,369, , , ,670 69,463 58,143 38,734 14, ,

249

250

251

252 (Prudential Regulation Authority (PRA)) (Financial Conduct Authority (FCA)) II General Prudential Sourcebook Prudential Sourcebook II (VaR)

253 30 50 IV 7% 7% IV PS7/13 IV IV IVIV

254 42,089 36,299 (1,500) (1,495) 40,589 34,804 4,000 3,581 (320) (320) 3,680 3, (97) (728) (495) (20) (77) (35) (321) (704) (5,694) (6,954) 50% 2 (869) (966) 50% % (92) (118) (2) (42) (6,397) (7,842) 37,551 29,519 1,500 1, ,577 2, ,397 5,293 50% % (537) (552) (277) (314) 41,671 34, ,147 23,084 (925) (2,577) (2,553) (1,640) (1,890) 17,930 17, % 2 (869) (966) 50% (537) (552) 50% (92) (118) (1,498) (1,636) 17,397 16,823 (6) (3) 59,062 51,

255 29,519 26,176 5,700 3,215 4,275 (1,940) (1,473) 1,260 (233) (1,227) 499 (66) (379) (26) 878 1, (212) 26 (12) (81) 37,551 29,519 4,979 4, (31) (925) ,120 4,979 16,823 13, , (11) 9 97 (263) 15 (31) 26 (12) 17,397 16,823 (6) (3) 59,062 51,

256 S P Bertamini R H MeddingsBertamini Meddings P A Sands S P Bertamini J S Bindra T J Clarke R F Goulding R H Meddings T J Miller A M G Rees V Shankar J P M F Verplancke 14 (T J Clarke Goulding Verplancke

257 T J Clarke 1 50,398 59,202 R F Goulding 1 57, ,886 J P M F Verplancke 1 70,716 80,000 T J Miller 2 193, ,157 1 T J Clarke R F Goulding J P M F Verplancke 2 T J Miller 38 TJ Clarke 1,444,266 30% 80, , % 23,536 RF Goulding 1,412,172 30% 78, , % 27,815 JPMF Verplancke 1,476,360 30% 82, , % 29,955 T J Miller 577, % 32,095 TJ Clarke 50, ,822 RF Goulding 61, ,116 JPMF Verplancke 63, ,297 T J Miller 87, ,

258 TJ Clarke 1,040 1,463 1, RF Goulding 1,429 1,065 1, T J Miller 1,040 1,463 1, TJ Clarke 61,312 20, RF Goulding 85,836 28, JPMF Verplancke 73,574 24, T J Miller 95,033 31,

259 400% 20% 5,410 6, % 1,5402,140 3,8704,

260 17 34 Association of British Insurers Equator Principles 2 KPMG Audit PlcKPMG Audit Plc KPMG Audit Plc KPMG Audit Plc Annemarie Durbin ZC

261 1. 2. R H Meddings

262 Auditing Practices Board (APB) John Hughes KPMG Audit Plc 15 Canada Square London E14 5GL

263 1 3 17,588 17,827 4 (6,450) (7,051) 11,138 10, ,594 4,578 5 (488) (503) 6 2,489 2, ,094 7,586 7,929 18,724 18,705 8 (6,579) (6,485) 8 (877) (863) 8 (2,036) (2,707) 9 (733) (679) (10,225) (10,734) 8,499 7, (1,617) (1,196) 11 (1,000) 11 (129) (196) ,979 6, (1,869) (1,831) 4,110 4, ,216 4,275 4,110 4,

264 1 4,110 4, (76) (1,208) 568 (35) (73) (15) ,054 (248) (336) (83) (20) (132) (1,282) 1,122 2,828 6, ,021 5,368 2,828 6,

265 1 15, 40 54,534 60,537 15, 16 29,176 27,076 15, 17 62,161 49,495 15, 18 83,701 67,796 15, , ,638 15, ,379 99,225 15, 22 33,494 28, ,493 2, ,767 1, ,694 6, ,903 6, , ,776 15, 29 43,418 36,427 15, , ,874 15, 16 23,030 23,064 15, 17 62,289 48,194 15, 31 45,939 41,445 15, 32 27,361 24,289 16,364 15,096 1,026 1,205 4,304 4,562 15, 33 22,147 22, , , ,754 12,054 24,335 24,245 46,089 36, ,000 3,581 46,089 39, , , P A Sands R H Meddings

266 1 12,054 1, (39) (13) (1,429) 19,896 32,305 3,145 35,450 4,275 4, , (18) 2 1, ,122 (256) (256) (1,473) (1,473) (1,473) (374) (374) (374) ,054 1, (934) 22,779 36,299 3,581 39,880 3,216 3, ,110 (27) (60) (1,227) (1,195) (87) (1,282) (273) (273) 5,700 5,700 5, (1,940) (1,940) (1,940) (263) (263) (263) 5 (12) (12) (115) (127) 17,754 1, (2,161) 24,183 42,089 4,000 46, , , , ,

267 1 5,979 6,761 4,233 3, ,215 2, (44,532) (8,552) (23,683) (13,526) 39 45,498 19,289 14,250 25,585 (168) (203) (98) (83) (1,886) (1,676) (979) (811) 9,106 18,149 (5,791) 14,762 (205) (162) (69) (61) (46) (63) (1,425) (131) (142,321) (156,883) (49,668) (40,006) , ,327 48,448 35, ,237 (5,483) (11,572) (1,429) (2,387) 5,700 5,700 (1,115) (857) (1,009) (651) 2,500 4,978 2,500 4,810 (2,616) (1,667) (2,366) (1,173) (124) (61) (16) 4 3,762 8,542 (3,730) (5,938) (374) (357) (101) (101) (1,839) (1,372) (1,839) (1,372) 2,164 3,268 2,869 1,517 5,787 9,845 (4,351) 13,892 79,518 69,566 60,665 46,866 (1,149) 107 (821) (93) 40 84,156 79,518 55,493 60,

268 387, ,320 15, 40 41,272 49,655 15, 16 18,600 17,027 15, 17 60,146 47,443 15, 18 49,951 37,250 15, , ,982 15, 21 43,875 43,615 15, 22 21,620 18,779 17,520 18, ,133 1, ,763 13, , , , , ,320 15, 29 35,602 28,375 15, , ,882 15, 16 10,184 11,501 15, 17 59,703 45,997 15, 31 36,685 31,959 15, 32 14,061 11,738 33,096 39, ,379 2,501 15, 33 19,741 20, , , , , ,754 12,054 13,153 12,578 24,632 24,632 30,907 24,632 24,632 24, , , P A Sands R H Meddings

269 1 12,054 1, (68) (17) (207) 9,456 23,054 2,754 2, (80) (58) (275) (275) (1,473) (1,473) ,054 1, (287) 10,787 24,632 3,199 3,199 (84) (50) (603) 37 (700) 5,700 5, (203) (203) (1,940) (1,940) ,754 1, (890) 12,099 30, , ,

270 1. (a) (b) (c) (d) (e) AA

271 PT Bank Permata Tbk (Permata) (f)

272 (g) (h) 46 (i) ) (i) 12 (ii)

273 1. (j) (k) (l) (m) a) b) c) d)

274

275

276 (n) (1) (2) (3) 274

277 (o) (p)

278 (q) (s) (r)

279 (u) (i)(ii) (iii) 38 (t)

280 (9) (16) 16 4,936 6,202 11,138 11,138 4,779 5,997 10,776 10,776 2,217 5,369 7,586 7,586 2,258 5,671 7,929 7,929 7,162 11,562 18,724 18,724 7,021 11,684 18,705 18,705 (4,647) (5,343) (9,990) (235) (10,225) (4,600) (5,960) (10,560) (174) (10,734) 2,515 6,219 8,734 (235) 8,499 2,421 5,724 8,145 (174) 7,971 (1,034) (583) (1,617) (1,617) (674) (522) (1,196) (1,196) (7) (122) (129) (1,000) (1,129) (45) (151) (196) (196) ,518 5,696 7,214 (1,235) 5,979 1,745 5,190 6,935 (174) 6, , , ,192 6, , , , ,098 7, , , , ,387 1, , , , ,530 1, , ,216 1,451 1, ,042 2,246 2, ,230 1,767 1, ,125 1,684 1,

281 2. 2,795 2,668 1,293 1,268 1,411 1,526 1,422 1, ,162 7, ,839 1,917 1,624 1,723 3,463 3, ,744 3, ,512 2, ,284 7, ,562 11,

282 (78) (69) (377) 1,679 1,146 1,266 2,250 1,028 1, ,596 11, , , , ,719 2,125 1,560 3,463 1,689 2,199 1,746 2,223 18,724 (1,674) (1,132) (1,124) (2,126) (701) (1,085) (865) (1,518) (10,225) 2, , , ,499 (135) (88) (427) (415) (195) (67) (270) (20) (1,617) (4) 10 (1,029) (3) (105) 2 (1,129) , (1,020) 1, , , , (107) (85) (285) 1,563 1,251 1,421 2, , ,396 10, , , ,094 3,350 2,205 1,854 3,675 1,587 2,232 1,594 2,208 18,705 (1,574) (1,171) (1,082) (2,262) (754) (1,098) (785) (2,008) (10,734) 1,776 1, , , ,971 (109) (66) (249) (221) (165) (316) (38) (32) (1,196) (7) (2) (8) (157) 9 (32) 1 (196) , , , , ,

283 2. (%) (%) , , , , , ,417 55, ,362 34,969 47,176 24, ,159 (65,593) 673, ,173 57,540 29,760 54,843 23,019 26,124 13,122 30, , ,713 86,070 49, ,459 30,111 39,193 20, ,665 (51,221) 521,270 1,833 1,070 1,198 2,348 1,114 1,254 1,121 1,200 11,138 (%) , , ,925 62, ,400 36,879 46,155 20, ,457 (66,302) 630, ,330 51,318 36,165 54,730 23,994 25,200 11,304 28, , ,434 76,689 54,064 98,695 29,796 36,806 18, ,756 (52,936) 483,481 1,716 1,144 1,335 2,232 1,050 1, ,093 10,776 (%) ,

284 2. 1 9,166 8, ,376 2,169 10,309 5,465 6,293 45,482 59,348 30,851 19,157 28,230 1,826 4,573 2,429 34, ,060 39,476 38,020 12,096 38,175 7,633 12,683 3,985 48, , , ,563 1, ,851 8, ,204 79,007 31,844 71,344 13,185 27,864 12,086 91, ,398 2,091 4,792 1,479 6, , ,540 44, ,113 74,215 30,365 64,418 12,726 26,290 11,520 65, ,971 17,875 6,319 25,080 28,655 11,465 2, ,374 88,238 67,896 5,285 35,763 1,261 24,007 10,823 65, , ,204 79,007 31,844 71,344 13,185 27,864 12,086 91, , ,094 2, ,529 2,167 2,621 3,215 3, ,095 46,233 1, ,741 22, ,874 81,628 39,788 77,599 13,231 27,941 12, , , ,178 9, ,529 2,691 9,223 4,380 4,920 42,230 56,261 28,978 21,368 30,481 2,224 4,159 2,392 27, ,103 35,224 37,968 16,989 38,596 7,380 12,367 3,318 49, , , ,851 6,056 99,862 76,448 39,001 73,521 13,931 26,204 10,253 83, ,512 1,585 2,005 1,769 5, , ,493 37,395 98,277 74,443 37,232 67,893 13,490 24,270 9,713 59, ,117 16,194 6,279 24,692 30,586 11,248 1,383 1,543 91,925 82,083 68,164 12,540 37,307 2,242 22,887 8,170 59, ,192 99,862 76,448 39,001 73,521 13,931 26,204 10,253 83, ,512 1,291 4,038 1, , ,903 1,999 3, ,720 39,585 1, ,108 22, ,612 78,351 45,909 78,972 13,978 26,302 10, , ,

285 2. 1 6,378 1,353 2,003 9, ,993 25,709 16,365 3,649 1,604 3, ,622 59,878 30,594 6,238 7,606 12, , ,096 1, , ,850 6,714 54,783 11,829 12,765 24,730 1,752 91, ,397 4,792 2, , ,513 35,966 49,991 9,255 12,307 23,319 1,534 65, , ,043 11,314 2,283 17,840 49,791 5, ,036 1,534 65, ,591 54,783 11,829 12,765 24,730 1,752 91, , ,621 2, ,483 40,160 19,741 19,741 57,404 14,683 12,765 24,730 1, , , ,260 1,171 2,532 8, ,864 26,002 28,978 3,937 1,665 2, ,360 63,469 37,968 7,391 7,341 11, , , , ,852 4,202 76,448 12,593 13,167 23,050 1,336 77, ,193 2,005 1, , ,335 29,343 74,443 10,769 12,727 21,369 1,278 54, ,850 6,279 3,835 11,248 1,383 22,745 68,164 6,934 1,479 19,986 1,278 54, ,105 76,448 12,593 13,167 23,050 1,336 77, , ,903 2, ,423 35,596 20,107 20,107 78,351 14,602 13,167 23,050 1, , ,

286 ,463 (756) (346) (243) (354) (188) (239) (2,126) (58) (104) (103) (49) (82) (19) (415) 4 1 (8) (3) ,143 35,123 19,484 7,871 25,502 9,541 20, , ,489 12,178 4,564 13,184 4,126 5,302 54,843 1, ,432 6,926 20,071 11,923 2,446 19,089 3,691 7,198 64, , ,854 5,918 1 (100)4001, , ,675 (759) (339) (223) (367) (192) (382) (2,262) (38) (68) (55) (4) (37) (19) (221) (44) (1) (112) (157) (47) 1,216 29,710 18,665 8,761 25,831 9,417 20, , ,353 12,110 5,163 13,609 4,691 4,804 54,730 1, ,698 5,628 20,536 11,753 2,691 20,014 4,390 8,509 67, , ,010 5,

287 2. 1, ,199 (574) (154) (91) (266) (1,085) (52) (26) (20) 31 (67) ,047 27,897 4,033 3,824 11,422 47, ,734 1,623 2,113 6,654 26,124 1, ,574 16,765 2,859 2,196 4,470 26, , ,232 (570) (170) (87) (271) (1,098) (230) (46) (7) (33) (316) (4) (28) (32) ,306 4,284 3,105 12,460 46, ,366 1,758 1,802 7,274 25,200 1, ,934 15,453 2,797 1,935 4,085 24, ,082 1,202 13,105 13, ,559 1, ,588 17,827 14,898 14,361 2,132 2, ,

288 ,008 1,270 3,369 3, ,450 7,051 5,856 6, , ,798 1, ,409 1, ,308 2,428 4,106 4, ,8008,300 2,1002,

289 ,126 1,508 (206) ,442 2, (417) (156) (46) (256) 106 (282) ,489 2, (49)

290 8. 4,976 4, ,579 6, ,248 20,384 15,008 86,640 53,628 20,101 14,528 88,257 53,613 19,752 14,066 87,431 52,970 19,565 13,351 85,886 12,244 8,930 4,010 25,184 13,788 8,832 4,059 26,679 14,524 8,673 4,009 27,206 14,517 8,582 3,911 27, ,801 1,866 2,036 2,

291 % 0.065% 0.156%0.078% 3,1001, KPMG Audit PlcKPMG KPMG KPMG Audit Plc KPMG Audit Plc KPMG KPMG KPMGKPMG KPMG

292 ,597 1, (35) 1,612 1, (4) 1,617 1, (2) (3) 56 (16) , , (29) (25) 1 1,

293 %24.5% (9) (9) 1,594 1,687 (37) (4) 1,687 1, ,869 1, % 27.1% 24% 23% 23.25% 16.5%16.5% %16.5% % 5,979 6, %24.5% 1,390 1,657 (244) (279) (329) (338) (20) (69) (32) 1,869 1, (40) (87) (127) (19) (19) (21) (21) (40) (92) (132) 3 (1) (1) (26) (84) (110) 291

294 ,839 1, % 1, % % P A Sands 1,680 1, ,500 3,150 1,561 4, ,840 11,014 R H Meddings 1,250 1, ,725 2,160 1,063 3, ,780 7,127 S P Bertamini 1,000 1,000 1,242 1,500 1,250 1, , ,729 7,222 A M G Rees 1,149 1, ,500 9,000 1,244 3, ,510 14,666 J S Bindra ,067 1,400 1, , ,451 6,399 V Shankar ,490 1, , ,800 5,179 T J Clarke , , ,507 3,204 J P M F Verplancke ,150 1, , ,471 4,304 R F Goulding , , ,761 4,412 T J Miller , , ,398 5,084 Peter Sands1,075,000 Richard Meddings800,000 Steve Bertamini1,000,000Mike Rees735,000 Jaspal Bindra 6,500,000 V Shankar 3,200,000 Peter Sands Richard Meddings Mike Rees Peter Richard Mike Steve Bertamini Steve336,731 55,170Steve313,475 Jaspal Bindra JaspalV Shankar 380,479 Shankar 60%(50%) (50%)

295 Peter Sands Richard Meddings Mike Rees1/30 Steve Bertamini 40% Jaspal Bindra Jaspal 49% Jaspal 482,830333,646 Jaspal V Shankar 40% Steve Bertamini 6,500,000 3,000,0002,000,000 1,500,000 Peter Sands Richard Meddings Mike Rees Jaspal Bindra Steve Bertamini V Shankar

296 15. 54,534 54, , , , , ,161 5, , , , ,542 26,973 2,203 29, ,124 2,037 62, ,701 83, , , ,246 26, ,545 2,676 73, ,912 2,912 99,703 2, , ,350 7,144 33,494 87,097 2,037 2,203 99, ,845 7, ,029 60,537 60, , , ,955 2, , , ,140 1,014 3,154 25,447 1,629 27, ,135 1,360 49, ,796 67, , , ,740 26, ,356 3,851 69, ,278 3,278 95,374 3,851 99, ,406 7,069 28,475 73,582 1,360 1,629 95, ,228 7, ,

297 15. 1,009 1,009 9,905 9,905 6,823 6,823 5,293 5,293 5,293 17,737 23, , , ,418 43, , , ,939 45, ,897 5,464 27, ,147 22,147 66, , ,467 5, , ,243 12,243 5,261 5,261 4,592 4,592 4,592 18,472 23, , , ,427 36, , , ,445 41, ,547 4,742 24, ,873 22,873 52, , ,166 4, ,

298 15. 41,272 41, , , , , ,276 2, ,543 6, , ,592 17,481 1,119 18, ,401 1,745 60, ,951 49, , , ,037 6, ,242 1,801 37, ,074 1,801 43, ,369 4,251 21,620 75,882 1,745 1,119 42, ,178 4, ,249 49,655 49, , , ,925 8, ,767 1,767 16, , ,121 1,322 47, ,250 37, , , ,805 8, ,782 2,271 34, ,344 2,271 43, ,715 6,064 18,779 62,980 1, , ,873 6, ,

299 ,932 3,932 3,664 3,664 2,224 2,224 2,224 7,960 10, , , ,602 35, , , ,685 36, ,833 2,228 14, ,741 19,741 61, , ,360 2, , ,968 4,968 3,869 3,869 1,696 1,696 10,256 1,245 11, , , ,375 28, , , ,959 31, ,318 2,420 11, ,107 20,107 55, , ,641 2, ,

300

301

302

303 ,223 2,467 4, ,307 4, ,161 6,596 5, ,699 6,396 1,220 7, , , ,513 1,634 2, , , , , ,723 16, , ,104 2, ,701 3, ,246 24,447 45, ,545 14,515 5, ,030 6,480 7, ,284 3,452 32, ,231 1, ,269 2,912 63, ,275 4, ,040 1,009 1,009 9, , , ,823 4, ,293 4,924 18, , , , , ,190 15, , ,500 1, ,344 79, ,

304 , ,978 2, ,955 8,523 6, ,215 8,286 1, , , , ,351 2,456 2,029 1,125 3, , , , ,567 20, , ,151 2, ,781 3, ,740 20,771 44, ,356 11,809 3, ,315 4,516 7, ,635 4,446 32, ,406 1, ,958 3,278 58, ,256 5, , ,175 12,243 5, ,261 4, ,592 4,388 18, , , , , ,730 19, , ,173 1,484 1, , ,771 65, ,

305 ,221 2,467 4, ,722 2, ,276 2,619 3, ,543 2,536 1,026 3, , , ,592 2, , , , ,281 15, , ,096 2, ,666 1,371 6,037 12,090 22, ,242 4,154 5,794 9,948 5,850 2, ,013 2,086 14, , ,465 93,505 1, , ,932 3,932 3, ,664 1, ,224 1,843 8, , , , , ,918 14, , ,497 1, ,261 67, ,

306 , , ,336 4, ,925 4,223 1,442 5, , , ,526 1,536 1,767 1, , , , ,205 19, , ,102 2, ,522 1,283 8,805 10,889 20, ,782 4,152 2, , , ,745 6,168 15, , ,229 77,637 1, , ,900 4,968 3, ,869 1, ,696 1,492 9, , , , , ,548 18, , ,169 1,480 1, , ,872 55, ,

307 , ,958 5,109 (89) (18) (23) (26) (49) (30) (711) (11) (36) (59) (818) (1,665) (103) (38) (50) (3) (100) (294) (44) (1) (56) (25) (126) ,269 4,118 (86) (40) ,418 3, (48) 48 (13) 309 (56) ,369 (5) (64) (13) (199) (71) (352) (27) (97) (60) (17) (23) (224) (96) (7) (33) (261) (16) (413) , ,958 5,109 (10) 195 (30) (14)

308 ,948 (89) 26 (1) (64) (29) 15 (14) (30) (11) (91) (132) (103) (19) (50) (2) (174) (56) (56) ,850 (86) 2 12 (72) ,086 9 (1) (31) (23) (89) 1 (88) (95) (13) (199) (307) (27) (7) (120) (1) (155) (5) (8) (13) ,948 (10) (8) (18)

309 (43) (1) (3) (490) (144) (637) (28) (25) (53) (99) (30) (129) (37) (37) 2 5 (3) (42) 38 (4) (3) (490) (93) (586) (28) (117) (145) (99) (99) (38) (1) (39)

310 % 22.78% 14% % 36.0% 8.1% 40% 97% 1.49% 4.01% 4.3% % 16.8% 2.6% 8.5% 5% % 3.0% 1% 39 40% 97% 8.75% 22.78% 14% % 7.2% 0.2% -67.0% 94.0% 78.6% % 13.4% 5.2% 97.9% 98.3% 98.1% 13 80% 80% 0.6% 3.0% 1.1% 25% 25% % 99% 2, % 10.0% 30.0% 13.8% 4,

311

312 ,269 1,396 1, (39) (39) (39) 1,734 1,950 1,586 1,896 2,043 1, ,125 1,237 1,013 1,958 2,167 1, (77) 2 (154) (114) (114) (114) 2,020 2,229 1,812 2,412 2,626 2,

313 (39) (39) (39) 1,010 1, (114) (114) (114)

314 % ,600 7,3003,1005,100 1,

315

316 ,534 54,534 54,534 83, , , ,584 3, , ,353 2,676 2, , ,350 26, , , , , ,557 43, ,406 43, , , ,292 45, ,673 46,038 22,147 19,238 2,512 21, , , , ,467 20, , , ,537 60,537 67,796 67, , ,672 3,851 3, ,406 21, , ,179 36,427 35, , ,702 41,445 40,906 22,873 23, ,547 19, , ,

317 ,272 41,272 41,272 49,951 49, , , , , ,860 1,801 1,351 1, ,369 17,397 17, , , , ,782 35,602 35,602 35, , , ,951 36, ,113 37,302 19,741 19,210 19, ,833 11, , ,360 19, , , ,655 49,655 37,250 37, , ,650 2,271 2, ,715 12, , ,485 28,375 28, , ,033 31,959 31,882 20,107 20, ,318 9, , ,

318 15. % ,308 1,

319 15. % % ,304 1,

320 ,706 1,163 2,869 2,714 2, ,547 1,804 2,354 1,419 4,261 8,034 4,330 1,732 6, ,112 1,780 1, ,281 1, ,014 3,061 4,756 1,338 1,917 3,

321 15. 12,887 7,759 4,538 2,900 17,425 10,659 17,835 10,949 15,906 10,517 1,804 1, ,321 1, ,093 1,

322 15. 2,362 2,362 2,362 2,362 3,453 1,712 5, ,780 1, ,049 1, ,829 3, ,891 2,

323 15. 9,238 6,575 3,647 1,712 12,885 8,287 13,221 8,118 13,178 7,963 1,673 1,

324 (a) (b) 67,728 (5,567) 62,161 (46,242) (5,147) 10,772 17,425 17,425 (17,425) 85,153 (5,567) 79,586 (46,242) (22,572) 10,772 67,856 (5,567) 62,289 (46,242) (9,240) 6,807 6,062 6,062 (6,062) 73,918 (5,567) 68,351 (46,242) (15,302) 6,807 55,795 (6,300) 49,495 (35,073) (3,245) 11,177 10,659 10,659 (10,517) ,454 (6,300) 60,154 (35,073) (13,762) 11,320 54,494 (6,300) 48,194 (35,073) (5,068) 8,053 3,255 3,255 (3,255) 57,749 (6,300) 51,449 (35,073) (8,323) 8,

325 15. 65,713 (5,567) 60,146 (42,393) (4,773) 12,980 12,885 12,885 (12,885) 78,598 (5,567) 73,031 (42,393) (17,658) 12,980 65,270 (5,567) 59,703 (42,393) (8,954) 8,356 5,165 5,165 (5,165) 70,435 (5,567) 64,868 (42,393) (14,119) 8,356 53,743 (6,300) 47,443 (34,633) (5,055) 7,755 8,287 8,287 (8,287) 62,030 (6,300) 55,730 (34,633) (13,342) 7,755 52,297 (6,300) 45,997 (35,073) (2,881) 8,043 2,401 2,401 (2,401) 54,698 (6,300) 48,398 (35,073) (5,282) 8,

326 (330) , , ,111 12, ,017 2,741 1,646 12,404 4, ,515 8,833 12,699 3,542 5,161 21,402 8,161 2,762 1,646 12,569 10, , ,723 1,978 2,932 15, ,086 2, ,116 5,662 1,050 2,006 8,718 15,215 3,154 2,955 21,324 9,553 2, ,

327 16. 3, , ,510 6, ,798 2,524 1,211 7,533 2, ,065 3,714 6,543 2,592 2,276 11,411 3,941 2,545 1,211 7,697 5, , ,511 1,626 1,669 8, ,305 1, ,476 4, ,658 8,925 1, ,413 4,561 1, ,757 (9,600) ,000 (5.96) 3,100 O (4.90)O 1,

328 ,303,103 17,214 17,490 1,220,806 11,635 12,697 1,099,374 25,209 25, ,684 13,932 13, ,772 2,402,817 42,423 43,019 2,092,262 25,567 25,730 1,984,701 15,595 15,414 1,471,277 19,107 18, , ,020 1, , ,054 2,915,559 16,366 16,058 1,922,351 20,373 19,478 40, , ,130 15, , ,858 2,371 1, ,642 2,370 1,484 5,537,899 62,161 62,289 4,226,664 49,495 48, ,396,517 17,891 19,048 1,303,259 11,934 13,514 1,017,313 23,390 22, ,787 12,271 11,034 8,329 2,413,830 41,281 41,918 2,100,375 24,205 24,548 1,838,021 14,680 14,014 1,324,557 18,612 17, , ,459 1, , ,888 2,760,535 15,387 14,593 1,762,904 19,765 18,496 40, , ,104 17, , ,105 2,363 1, ,893 2,321 1,480 5,391,211 60,146 59,703 4,075,219 47,443 45,

329 , , ,026 1, ,396 1, ,823 1, ,996 1, , , , , , , , , ,687 2, ,721 1, , ,850 1, , , ,247 1, ,982 1, , , , , , , , ,686 1, ,549 1,

330 , , , , ,853 (986) (259) (1,862) (4) (1) (3,112) (23) (26) (213) 2 1 (259) 3, ,001 (5,229) (577) (177) (3) (2) (5,988) (1,696) (285) (3) (1) (2) (1,987) , ,798 (85) (159) (1,771) (2) (1) (2,018) (2) (14) (208) 3 1 (220) (1,655) (296) (88) (2,039) (1,629) (280) (2) (1,911)

331 18. 86,270 68,675 52,441 38,049 (100) (103) (22) (24) (2) (2) (1) (1) 86,168 68,570 52,418 38, (2,467) (774) (2,467) (774) 83,701 67,796 49,951 37, , , , ,429 (2,749) (2,330) (1,582) (1,301) (696) (722) (270) (306) 295, , , , (5,307) (4,978) (4,722) (4,840) 290, , , ,

332 ,945 2,248 1,031 2,097 2,340 2,824 1,173 2, (90) (98) (53) (41) ,459 1,201 1,667 1,523 3,654 3,

333 21. 26, ,039 6,476 24, , ,133 2,634 70,545 2,676 5, ,741 26, ,545 10,480 38,735 38,891 1,944 1,302 15,766 57,903 70,545 2,676 2,912 26, ,379 31, ,610 10,480 44,475 23, ,229 24, ,974 24, , ,899 3,347 65,356 3,851 6, ,101 22, ,104 13,039 37,837 35,682 2,800 2,104 13,701 54,287 65,356 3,851 3,278 26,740 99,225 29,674 1,006 1,174 13,039 44,

334 21. 8, ,793 1,424 15, , ,287 1,762 35,242 1,801 4, ,172 11, ,186 14,725 19,249 1, ,851 24,978 35,242 1, ,037 43,875 15, ,186 18,895 8, , ,713 13, , ,418 1,319 31,782 2,271 5, ,338 11, ,075 16,733 15,421 1, ,730 21,544 31,782 2, ,805 43,615 16, ,075 22,

335 21. 69,207 3,278 26,740 99,225 60,975 2,543 21,428 84,946 (1,834) (9) (563) (2,406) ,319 92,967 (183) 49, , , , ,883 (86,936) (316) (49,676) (136,928) (104,558) (217) (40,552) (145,327) (60) (61) (121) 24 (109) (85) (91) 203 (29) ,047 (32) ,221 2,912 26, ,379 69,207 3,278 26,740 99, ,7005,400 3,7003,800 34, ,805 43,615 30, ,808 38,416 (807) (4) (347) (1,158) , ,451 49,668 27, ,729 40,006 (34,392) (1) (14,055) (48,448) (24,635) (35) (11,044) (35,714) (6) (6) 1 (6) (5) (7) (1) , ,037 43,875 34, ,805 43, ,8004,

336 (1) (1) (5) (2) (4) (2) 5 (4) 6 (4) ,460 4,191 9,240 5,068 8,954 5,055 5,501 4,957 2,773 2,506 7,149 7,190 5,642 5,154 26,350 21,406 17,369 12,715 3,965 5,574 3,965 5,574 1, ,556 1, ,494 28,475 21,620 18, Standard Chartered Capital (Korea) Company Limited Standard Chartered Savings Bank Korea Company Limited ,2002,500 1, ,

337 23. 13,571 14,270 1, (205) (830) (28) 14,763 13,571 % Standard Chartered Bank Korea Limited 100 Standard Chartered Bank Malaysia Berhad 100 Standard Chartered Bank (Pakistan) Limited Standard Chartered Bank (Singapore) Limited 100 Standard Chartered Bank (Thai) Public Company Limited Standard Chartered Bank Nigeria Limited 100 Standard Chartered Bank Kenya Limited 74.3 Standard Chartered Private Equity Limited 100 Standard Chartered Bank Kenya Limited 25.7% 9,8008, % 0.38% PT Bank Permata Tbk (Permata) 44.56% 44.56%Permata (152) (42) (5)

338 23. 7,875 8,260 5,808 5,135 13,683 13,395 (7,257) (10,693) (5,242) (1,414) (12,499) (12,107) 1,184 1, , (655) (467) (434) (390) (5) (18) (52) (53) (56) ,833 2,433 (7,257) (10,693) (4,050) (812) (33) ,184 1,

339 (5) (14) (1) (10) (70) (10) 1, ,596 79, (91,807) (75,770) (328) (26) 4,789 3, ,789 3, (135) (135) , % 19.9 Fleming Family and Partners %

340 ,321 4,896 4,421 1,326 1,681 7,001 7,423 (a) (b) AAA

341 ,202 5, ,786 2, ,196 1, ,574 1, ,556 6, ,551 4, ,280 1, , ,185 1,267 1, , , ,3003, Absa Bank3,600 1,600 Credit Agricole Corporate and Investment BankCredit Agricole Yatirim Bankasi Turk A.S. (CAYBT) 100%6,300 2,

342 26. 5, ,779 5, ,454 (187) (15) (15) (217) (1,000) (175) (1,175) (218) (218) (2) (2) 2 2 4, ,102 6,808 5, , (6) 1 (5) (173) (173) (215) (215) , , ,694 5, , , , ,260 (8) (5) (25) (38) (223) (223) (159) (159) (205) (205) , , (2) (8) (10) (159) (159) (202) (202) , ,

343 Korea First Bank Standard Chartered Bank Korea LimitedUnion Bank Standard Chartered Bank (Pakistan) LimitedStandard Chartered Bank (Taiwan) Limited Pembroke Harrison LovegroveKorea First Bank (KFB) , , , ,795 5,

344 GE Money GE Singapore GE Money Singapore

345 27. 2, ,809 8,171 2, ,021 6,346 (44) (29) (73) , ,788 1, (126) (117) (218) (461) (111) (81) (192) (60) (3) (63) 2, ,465 8,653 2, ,809 8, , ,295 (6) (21) (27) (67) (115) (25) (207) (86) (79) (165) , ,551 1, ,897 6,903 1, ,422 6, (36) (15) (51) (3) (3) (40) (72) (112) (46) (35) (81) (58) (8) (66) (4) (9) (13) (27) (69) (96) (39) (34) (73)

346 (28) (154) 11 (87) (230) (476) (422) 86 (9) (5) (39) (1) (3) (11) 2 (105) (72) (80) (71) 69 (14) (515) (28) (28) (382) (47) (192) (154) (431) (15) (30) (476) (4) (1) 1 - (2) (102) (1) 12 (14) (105) (88) (2) 18 (8) (80) (32) (2) (688) (515) 194 (27) (15) 143 (230) (219) (11) (154) (322) 168 (422) (311) (111) (476) (403) (73) (72) (70) (2) (105) (100) (5) (71) (63) (8) (80) (67) (13) (97) (382) (558) 176 (515) (676)

347 (6) (230) 22 (63) (271) (303) 9 70 (224) 38 - (5) (13) (3) (6) 7 (78) (54) (62) (38) 111 (11) (497) (2) (341) (10) (94) 3 (139) (230) (267) 3 (39) (303) 5 (1) (5) (75) (1) 12 (14) (78) (58) 4 (8) (62) (467) 15 (76) 31 (497) 41 (15) (37) 49 (271) (270) (1) (230) (245) 15 (224) (224) (303) (303) (54) (54) (78) (77) (1) (38) (30) (8) (62) (62) (341) (400) 59 (497) (571)

348 28. 21%20% 2, , , (328) (316) (165) (186) (85) 36 (85) (506) (496) (506) (496) ,418 36,427 35,602 28, , ,427 37,395 35,966 29, , , , , ,905 12,243 3,932 4, , , , ,

349 ,082 24,857 45,939 16,982 24,463 41, ,682 6, ,096 5,261 21,223 31,539 52,762 17,147 29,559 46, ,062 18,623 36,685 15,463 16,496 31, ,664 3,664 3,869 3,869 18,062 22,287 40,349 15,463 20,365 35, ,460 4,191-5,501 4,900 2,826 2,505 5,147 3,245 4,773 2,881 6,789 7,211 4,234 3,932 21,897 19,547 11,833 9, ,120 4,742 2,228 2,420 27,361 24,289 14,061 11, Standard Chartered Capital (Korea) Company Limited Standard Chartered Savings Bank Korea Company Limited

350 % % , ( , , , % , % , % % % % % % ,406 2, %2018 1,291 1, % %2016 1,128 1, % % %2017 1,704 1, , ,800 1, ,600 1, %2014 1,542 1, ,300 1, ,250 1, %2017 1,134 1, ,000 1, % % % % ,741 20,107 22,147 22,

351 33. 6,557 3,556 1,704 2,060 5,245 4,245 1,706 2,401 8, , ,739 3,606 1,704 2,098 13,527 4,295 2,596 2, Standard Chartered Bank (Botswana) Limited 7, % Standard Chartered (Pakistan) Limited Standard Chartered Bank Korea Limited2, % % 11PT Bank Permata Tbk (Permata) 2, % ,0008.9% , % ,0009.4%

352 (2) (2) (8) (121) (129) (1) (1) (1) (18) (19) (1) (79) 76 (382) (406)

353 Faculty of Actuaries Towers Watson A Zegleman 3, % 80% ,

354 % % % % % , , , % % % % % 9% 1% 1% 5% 5% , , (1,855) (875) (26) (170) (1,795) (854) (28) (159) (23) (122) (26) (170) (93) (190) (28) (159)

355 (74) (19) (93) (38) (31) (69) 24 (19) (3) (12) (10) (14) (50) (3) (12) (79) (11) (32) (3) (12) (58) , (6) (6) (80) (32) (112) (53) (22) (75) (14) (14) ,

356 35. (93) (190) (28) (159) (470) (7) (71) (1) (21) (100) (1) (3) (4) (2) (4) (1) (8) (15) (1) 1 (23) (122) (26) (170) (341) (74) (249) (28) (136) (487) (8) (74) (1) (17) (100) (3) (3) (1) (7) 1 (62) (6) (8) (76) (4) (12) 2 (14) (93) (190) (28) (159) (470)

357 35. 2,366 (2,836) (470) (2) (100) (100) (4) (4) (5) 5 (108) (108) (146) (37) 1 2,585 (2,926) (341) , ,400 2,118 (2,605) (487) 204 (1) 203 (100) (100) (3) (3) (72) 78 6 (111) (111) (151) (151) (76) 80 (94) (14) 2,366 (2,836) (470)

358 (53) 73 (194) (188) , % % % % % % % % % % 9% 1% 1% 5% 5%

359 , , (1,855) (321) (26) (150) (1,795) (245) (28) (145) (23) (61) (26) (150) (93) (86) (28) (145) (74) (9) (83) (38) (6) (44) 24 (14) (3) (16) (9) (14) (20) (3) (16) (53) (11) (12) (3) (11) (37) , (80) (9) (89) (53) (4) (57) (14) (14) ,

360 35. (93) (86) (28) (145) (352) (7) (15) (1) (20) (43) (4) (4) (2) (2) (1) (7) (12) (1) (1) (23) (61) (26) (150) (260) (74) (90) (28) (121) (313) (8) (14) (1) (16) (39) 3 (2) (1) (7) (7) (62) (3) (8) (73) (4) (2) (2) (8) (93) (86) (28) (145) (352) 1,861 (2,213) (352) (43) (43) (4) (4) (1) 1 (95) (95) (29) (32) 2,092 (2,352) (260) 1,672 (1,985) (313) (39) (39) (96) (96) (113) (130) (73) 68 (76) (8) 1,861 (2,213) (352)

361 , , %5, , , , ,000 7, , , ,000 12,054 12,054 12,054 12,054 12,054 12,054 5,700 5,700 5,700 17,754 17,754 17,

362 % 320 2,825 3, (22) (234) (256) ,261 3,581 (87) (87) (22) (251) (273) (115) (115) 320 3,680 4, % Standard Chartered Bank Korea Limited

363 % (%)

364 % /2/3 1/2/3 1/2/3 1/2/3 1/2/3 % /3 2/3 2/31/2/3/4 2/31/2/3/4 2/31/2/3/4 2/3 2/3 2/3 (%) %

365 % % % ,075,667 10,598,950 2,221,257 16,685,298 2,870,847 70, , ,076, ,556, ,310, , ,614, (316,190) (546,529) (179,594) (952,300) (280,160) (36,316) 6.60 (1,824,566) (2,869,213) (1,506,034) (8,900,128) (1,610,335) (70,255) (291,119) 7.54 (1,270,057) ,315,596 15,493, ,629 7,091, ,352 23, ,596, , ,629 3,056, ,073 23, ,688, , ,506,38021,6989,63618, ,478,046301, ,3884, , ,

366 ,159, ,525 6,860,767 30,071,548 7,110,450 55, , ,381, ,116,875 10,268, ,112 70,255 4,572, (201,051) (299,723) (1,657,903) (937,152) (103,149) (123,016) 6.33 (2,337,736) (1,450) (2,981,607) (12,813,210) (4,136,454) (70,255) (484,316) 6.77 (3,539,744) ,075,667 10,598,950 2,221,257 16,685,298 2,870,847 55, , ,076, ,644 3,396,479 2,154, , ,068, a) 1,605 b) c)

367 39. (205) (442) (180) (219) 1, (405) (397) (228) (255) (106) (90) ,617 1, (990) (1,237) 1, (226) (182) 4,215 2, (13,424) 18,727 (13,401) 9,454 5,379 (3,077) 1,975 (2,683) (29,794) (20,934) (9,728) (15,135) 8 (39) 5 34 (6,701) (3,229) (2,534) (5,196) (44,532) (8,552) (23,683) (13,526) 14,855 (18,567) 14,418 (9,672) 27,289 36,771 3,485 30,946 (154) 5 (42) 140 1,279 1,466 (5,513) 1,691 2,229 (386) 1,902 2,480 45,498 19,289 14,250 25,

368 40. 54,534 60,537 41,272 49,655 (9,946) (9,336) (4,144) (4,629) 6,561 3,101 1,863 1,062 29,509 23,909 14,472 13,914 3,498 1,307 2, ,156 79,518 55,493 60, , , ,

369 43. 36,936 34,258 10,002 10,035 46,938 44,293 7,408 7, ,294 39,294 17,983 17, , , , ,106 25,274 25,089 9,383 9,159 34,657 34,248 4,767 4, ,391 27,985 6,245 5,375 60,893 60,231 98,299 98, PT Bank Permata TBK

370

371 Permata Permata 3 18,258 (431) 17,827 4 (7,253) 202 (7,051) 11,005 (229) 10, ,621 (43) 4,578 5 (504) 1 (503) 6 2,769 (9) 2, ,102 (8) 1,094 7,988 (59) 7,929 18,993 (288) 18,705 8 (6,577) 92 (6,485) 8 (886) 23 (863) 8 (2,758) 51 (2,707) 9 (687) 8 (679) (10,908) 174 (10,734) 8,085 (114) 7, (1,221) 25 (1,196) 11 (194) (2) (196) ,786 (25) 6, (1,856) 25 (1,831) 4,930 4,

372 46. Permata 4,930 4, (76) (76) 575 (7) 568 (73) (73) (2) 6 4 1,056 (2) 1,054 (339) 3 (336) (20) (20) 12 (132) (132) 1,122 1,122 6,052 6,

373 46. Permata 15, 40 61,043 (506) 60,537 15, 16 27,084 (8) 27,076 15, 17 49,496 (1) 49,495 15, 18 68,380 (584) 67,796 15, ,885 (4,247) 279,638 15, 21 99,413 (188) 99,225 15, 22 28,745 (270) 28, ,581 (29) 2, , ,954 (167) 6, ,646 (26) 6, (15) ,086 (5,310) 630,776 15, 29 36,477 (50) 36,427 15, ,639 (4,765) 372,874 15, 16 23,064 23,064 15, 17 48,194 48,194 15, 31 41,445 41,445 15, 32 24,508 (219) 24,289 15,096 15,096 1,208 (3) 1,205 4,611 (49) 4,562 15, 33 23,084 (211) 22, (13) ,206 (5,310) 590, ,054 12,054 24,245 24,245 36,299 36, ,581 3,581 39,880 39, ,086 (5,310) 630,

374 46. Permata 6,786 (25) 6, , , (15,846) 7,294 (8,552) 39 26,735 (7,446) 19,289 (204) 1 (203) (1,700) 24 (1,676) 18,166 (17) 18,149 (168) 6 (162) (63) (63) 21 (157,325) 442 (156,883) ,905 (578) 145, (11,442) (130) (11,572) (739) (118) (857) 4,978 4,978 (1,667) (1,667) (61) (61) 8,542 8,542 (5,938) (5,938) (356) (1) (357) (1,373) 1 (1,372) 3,386 (118) 3,268 10,110 (265) 9,845 70,450 (884) 69, ,600 (1,082) 79,

375 ,202 11,791 18,993 (181) (107) (288) 7,021 11,684 18,705 (4,726) (6,008) (174) (10,908) (4,600) (5,960) (174) (10,734) 2,476 5,783 (174) 8,085 (55) (59) (114) 2,421 5,724 (174) 7,971 (697) (524) (1,221) (674) (522) (1,196) (4) (120) (70) (194) (41) (31) 70 (2) (45) (151) (196) (116) ,775 5,139 (128) 6,786 (30) 51 (46) (25) 1,745 5,190 (174) 6, , ,094 1, ,086 (4,453) (6,676) 5,819 (5,310) 138, ,418 7, , , ,540 1, ,206 (3,568) (1,739) (3) (5,310) 187, ,801 1, , (933) ,858 7,385 12,243 (4,858) 4,858 12,243 12,243 3,902 1,359 5,261 (3,902) 3,902 5,261 5,261 9,693 8,779 18,472 (9,693) 9,693 18,472 18,

376 47. 1 Basinghall Avenue, London, EC2V 5DD, England , , ,402 1, ,717 1, ,433 1, ,043 1, , , , ,

377 47. Standard Chartered Strategic Brand Management 1 SCSBM 3,6005, ,0004,300 PT Bank Permata Tbk3,1001,800 3,1002,300PT Bank Permata Tbk Merchant Solutions2,000 2,900 3,200Merchant Solutions 2,0002,100 1, ,379 4, ,933 3, ,474 4, ,974 3, ,877 1, ,717 1, ,079 3, ,387 3, ,956 4, ,127 4,

378 ,000 4,300 Standard Chartered Overseas Holdings Limited PT Bank Permata TBK3,1001,800 3,1002,

379 248 II II III III (0.01%) 100 CAD2 377

380 249 PDLGD EAD III 100% 378

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382

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