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1853 (i) (ii) (iii) S

? 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....................................................... 1.................................................... 3..................................... 14................................................................... 17........................................................................ 48................................................ 51.................................................... 57.................................. 58.................................. 69.............. 77................ 88................ 101..... 111........................................................................ 125........................................................ 127.................................................... 129 ii

Standard & Poor s Credit Market Services Europe Limited AA- Moody s Investors Service Hong Kong Limited A1 AA- + - A1 1 2 3 1

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

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

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

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

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

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

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

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

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

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

? 1 14

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

16 0.003% 0.005%

1 2 3 4 17

5 0.01 18

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

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

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

11 12 13 14 (i) (ii) (iii) (iv) 15 22

16 17 18 19 23

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

FATCA FATCA FATCAFATCA 23 30% (U.S. Federal Register)90 24 25 26 25

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

30 28 N R N R 27

29 30 31 32 28

33 34 35 CRD IV 29

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

CRD IV CRD IV 4% 4.5%5.5% 6% CRD IV 80% 10% CRD IV CRD IV 1. 2. 3. 4. 31

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

36 33

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

39 CRD IV 35

40 36

41 (Sustainable Finance teams) 42 43 37

44 50 38

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

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

47 68 41

48 49 / 50 42

III CRD IV 43

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

52 53 54 45

55 1% 56 57 46

58 59 60 47

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

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

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

Standard Chartered PLCSCPLC SCPLC SCPLC 966425 SCPLC 1 Basinghall Avenue, London EC2V 5DD SCPLC +44 (0)20 7885 8888 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

SCPLC MENAP 37.25 19.20 33.48 16.60 21.329.25 22.03 9.66 34.73 11.61 36.72 12.17 SC First Bank SC First BankSC First Bank Standard Chartered Korea 52

15.64 10.1210 18.52 5.14 16.96 6.97 15.85 6.76 22.0910.58 22.34 7.8650% 15 17.51 6.19 15.937.71 22.27 6.96 22.96 2.61 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

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

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 2. 4 4A 32 3. 8 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

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

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

1 (A) 13 10 (B) (C) (D) (E) (F) 58

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

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

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

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

(ii) 0.001 (B) (i) 6(B)(iii) E 1 X 1 M E X M (ii) (iii) 0.001 6(A) 6(B) 1% (C) (D) 0.001 63

(D) (E) 2% E 1 0.001 X S OD S OD CD E X S OD CD 64

(F) (a) (b) (G) 10 7 8 9 (A) 10 10% 25% 65

(B) (i) (ii)(iii) (iv) 10 10 11 12 (A) (B) 12(A) 66

16 17 4-4A 32 68

1 (A) 11 10 (B) (C) (D) (E) (F) 69

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

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

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

(B) 10 6 (A) (i) (ii) (B) (i) (ii) (C) (a) (b) (D) 10 7 73

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

10 11 12 (a) (i) (ii) (i) (ii) (b) 10 13 14 75

15 4-4A 32 76

1 (A) 13 10 (B) (C) (D) (E) (F) 77

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

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

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

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

(ii) 0.001 (B) (i) 6(B) (iii) E 1 X 1 M E X M (ii) (iii) 0.001 6(A) 6(B) 1% (C) (D) 0.001 82

(D) (E) 2% E 1 0.001 X S OD S OD CD E X S OD 83

CD (F) (a) (b) (G) 10 7 8 9 (A) 10 10% 25% 84

(B) (i) (ii)(iii) (iv) 10 10 11 11 (i) (ii) (iii) (iv) 571 85

12 (A) (B) (C) 12(A) 12 10 13 14 (a) (i) (ii) (i) (ii) (b) 86

10 15 16 17 4-4A 32 87

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

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

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

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

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

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

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

S R M (ii) 0.001 (B) (i) 5(B)(iii) E 1 X 1 Y 1 + M E X Y M (ii) 0.001 95

(iii) 5(A) 5(B) 1% (C) 0.001 (D) (D) (E) 2% 96

E 1 0.001 X 1 0.001 Y S OD S OD CD E X Y S OD CD (F) (G) (a) (b) 9 97

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

(iii) (iv) 9 9 10 11 (A) (B) 11(A) (C) 11 9 12 99

13 (a) (i) (ii) (i) (ii) (b) 9 14 15 16 4-4A 32 100

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

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

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

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

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

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

(b) (i) (ii) (iii) (iv) 9 9 10 11 (a) (i) (ii) (i) (ii) (b) 109

9 12 13 14 4-4A 32 110

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

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

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

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

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

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

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

1 M 1 (R/S) M E X Y S R M (ii) 0.001 (B) (i) 5(B)(iii) E 1 X 1 Y 118

1 + M E X Y M (ii) 0.001 (iii) 5(A) 5(B) 1% (C) 0.001 (D) (D) 119

(E) 2% E 1 0.001 X 1 0.001 Y S OD S OD CD E X Y S OD CD (F) 120

(a) (b) (G) 9 6 7 8 (A) 9 10% 25% 121

(B) (i) (ii) (iii) (iv) 9 9 10 (i) (ii) (iii) (iv) 10 (i) (ii) (iii) (iv) 571 11 (A) 122

(B) 11(A) (C) 11 9 12 13 (a) (i) (ii) (i) (ii) (b) 9 123

14 15 16 4-4A 32 124

(i) (ii) (iii) S 125

(a) (b) 100 150 (c) 3(2) 3 2003/71/EC 2010/73/EU (a) 21(1) 21 (b) 126

https://ratings.standardandpoors.comhttps://www.moodys.com?? AAA AAAAAA AA AA A A BBB BBB + AAA 127

https://ratings.standardandpoors.com/about/about-credit-ratings Aaa Aaa Aa Aa A A Baa Baa 1 2 3 Aaa1 2 3 1 2 3 https://www.moodys.com/pages/amr002002.aspx 128

129

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

3 3 4 8 12 15-18 19-22 23-27 28-120 121-123 124-129 130 131 132 138 139-247 2 131

150 90% 70 Saadiq 14 Peter Sands ZC18 3 132

1. 2. 3. 4. 5. 6. 7. 11% 7% 163 164 28 37 4 133

5 134

6 135

7 136

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

13 1.5 8% (GCC) 5.1%5.5% 7% (Standard Chartered Development Index) 9 138

17%0.04% 4.2% (50%)(75%) 3,50910,290 50% 51.4% 52%30% Janet Yellen 25 50 10 139

11 140

98%97% 600 8,500Day One Readiness Wholesale Bank Ready2,100 20,000 99% 12 141

(v-shesh Ability Foundation) 106 11% 400 Gallup OrganisationQ12 RACI 200 20 Google PeopleSoft Portal70 13 142

PeopleSoft Portal 18,500 86,000 47%40,000 132 National Disability Award 14 143

11 PT Permata Bank Tbk 240 244 13 1.06 187.2411% 10% 10 1 2137% 68.73 12% 59.79 13% 15.182%71.62 2% 114.568% 55.90 5% 57.4% 54.6% 1% 73%64% 75.7%73.9% 11.7% 11.8% % 11,138 11,138 10,776 10,776 3 4,106 4,106 4,075 4,075 1 2,489 106 2,383 2,760 2,760 (14) 991 991 1,094 1,094 (9) 7,586 106 7,480 7,929 7,929 (6) 18,724 106 18,618 18,705 18,705 (0) (10,225) (10,225) (10,734) (667) (10,067) (2) 8,499 106 8,393 7,971 (667) 8,638 (3) (1,617) (1,617) (1,196) (1,196) (35) (1,129) (1,000) (129) (196) (196) 34 226 226 182 182 24 5,979 (894) 6,873 6,761 (667) 7,428 (7) 1 15 144

1,900 187.241%25 1 2% 71.62 5%10% 8% 2% 4%2% 114.56 25% 3.62 3% 111.38 2.1% 1.57 4% 49.45 2.05 3% 3.43 75.86 3,100 1% 41.06 2.71 10% 24.89 1.03 9% 9.91 1.388,800 4,900 5.09 5% 102.256.67 1% 5,8001% 5,400 9,200 2.663,1002.35 2.45 3% 83.93 4.21 35% 16.173.60 6,100 10 1.29 7,000 4,400 2.26 5.55 7% 68.73 15% 33% 5.152,000 27.1% 31.3% 16 145

1 % 54,534 60,537 (6,003) (10) 83,701 67,796 15,905 23 290,584 279,638 10,946 4 2,676 3,851 (1,175) (31) 431,495 411,822 19,673 5 99,703 95,374 4,329 5 29,176 27,076 2,100 8 62,161 49,495 12,666 26 191,040 171,945 19,095 11 51,143 47,009 4,134 9 673,678 630,776 42,902 7 43,418 36,427 6,991 19 381,066 372,874 8,192 2 45,939 41,445 4,494 11 470,423 450,746 19,677 4 23,030 23,064 (34) 62,289 48,194 14,095 29 85,319 71,258 14,061 20 22,147 22,873 (726) (3) 49,700 46,019 3,681 8 627,589 590,896 36,693 6 46,089 39,880 6,209 16 673,678 630,776 42,902 7 1 46 75.7% 73.9% 11.8% 70% 58% 429 7%6% 17 146

60 10% 290 8% 3,820 6 1,298 44% 54 30 48 120 8% 1,66918%17%7% 64%26% 32 1,238 1245% 49% 127 140620460 127 70 5% 50% 13% 528 20 10 7 3% 62 461 41 5713 20 18 147

1,559 979 1,043 1,616 465 797 529 174 7,162 (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) 43 1 44 622 353 (168) 160 118 239 176 18 1,518 1,411 975 1,184 1,597 440 749 482 183 7,021 (772) (554) (796) (1,211) (319) (490) (307) (151) (4,600) (95) (62) (223) (186) (27) (51) (20) (10) (674) (1) (36) (8) (45) 43 43 544 359 164 207 94 208 155 14 1,745 % 2,795 2,668 5 1,293 1,268 2 1,411 1,526 (8) 1,422 1,298 10 241 261 (8) 7,162 7,021 2 19 148

1.41 2% 71.624% 2.27 13% 15.181.685% 7% 1.82 4% 49.45 26 21 4,100 1% 22.17 4,900 4,900 3,900 2% 4,700 1% 46.47 4,100 3.60 53% 10.34 1.27 5% 27.95 1% 12.93 1.15 8% 14.11 1.24 10% 14.22 30 8% 4,900 3,900 1.48 10% 15.59 2,600 3% 7.98 1.22 19% 7.61 4,400 1.39 7,800 14% 6.22 20 149

400 9.79 600 1% 5.48 2% 4.31 26% 1,600 7,800 600 3.53 1.41 12% 10.4314% 4,900 3,9004% 30 4,200 5% 8.38 1% 4,100 1.83 2.05 1.48 66% 3.71 1.68 1.64 1,900 1% 16.16 8% 3.21 2% 4.14 5% 2,300 2% 11.88 4,200 11% 4.28 1.24 67% 3.104,700 9003,500 4,700 23% 1.604,800 36% 8,500 1.048,800 2,500 6% 4.6516% 1,400 4% 3.055% 21 150

3,900 32% 1.60 1,100 41% 3,800 2,400 26% 1.1837% 4,800 6% 7.97 14% 1% 4.95 5% 4,300 17% 3.02 1,200 24% 6,300 15% 3,100 2.39 4,700 10% 5.2915% 11% 21% 19% 7% 2,400 8% 3.3113% 2,300 13% 1.98 200 2,200 2,100 14% 1.7619% 900 5% 1.74 1,300 2% 700 5% 1.44 300 1,300 400 29% 1,800 22 151

1 2,160 1,117 516 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) 181 1 182 1 1,284 533 147 967 570 808 435 846 5,590 1,939 1,230 670 2,078 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) 138 1 139 1,116 607 351 1,009 583 578 616 330 5,190 1 1.06 2.28 2% 114.564.00 8% 55.90 6.67 5% 11%20 80% 4% 26% 1.80 3% 61.93 3.02 5% 53.69 2,300 36.38 10% 13%43% 6.17 10% 53.436.671% 6,100 5.83 64% 2,900 19% 1.22 23 152

2,300 3% 8.15 1.77 5% 34.63 274% 6% 15 71.78 2,300 36.38 25% 80% 7% 10%G10 5% 3% 6% 16% 8,600 10% 7.52 2.88 13% 25.12 2.07 43% 2.76 2.21 11% 21.60 14% 7,400 9% 8.76 1.47 13% 12.84 1,800400 1,400 1.68 15% 12.84 1.13 9% 11.175% 24 153

3,300 5% 5.84 8,000 13% 5.33 1,000 1,000 7,400 5.33 1.54 23% 5.1625%9% 2.86 3% 1.54 40% 2.30 3,000 5,6002,000 2,700 2.04 58% 1.47 2.47 12% 18.31 13% 6.13 5% 8%13% 1.25 24% 2.649% 19% 2.82 1.13 11% 9.385,000 6%3% 3.64 13% 8.93 7,000 1.05 2,300 4,600 4,300 4% 9.763.61 7,700 7% 12.2417% 2%12% 3,900 9% 3.96 1% 1.16 16% 8.28 25 154

1,900 1.57 9001.01 1,300 2% 5.706% 8,100 5% 14.024% 50%7% 22% 19% 37% 1,800 3% 5.90 6,300 7% 8.12 2.61 400 40% 8.08 1.05 9% 12.1716% 13% 23% 21% 30% 17% 5,600 12% 5.3418% 4,900 8% 6.832.48 2.30 1.81 4.35 29%25% 2% 19.894% 5.44 32%12% 5.08 149% 8.50 1,500700 700 200 5.16 8.46 15% 26 155

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101 117 (Prudential Regulation Authority (PRA) (Financial Conduct Authority (FCA) (BOE) 33 118 120 3.54 6,100 35 39 161 11 88 29 158

(i) (ii) IV 6.67 30 159

239 44 34 (Bernard Madoff) Bernard L. Madoff Investment Securities, LLCBMIS BMIS BMIS BMIS BMIS 31 160

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33 162

94101 34 163

II 1 14 1 12 13 1445 57 68 35 164

36 165

32 39 240 244 Permata 515 290 41 123 37 166

1 374,285 347,434 7,774 5,752 382,059 152,926 229,133 353,186 139,713 213,473 2 102,379 102,379 99,225 99,225 21,402 21,402 21,324 21,324 (6,454) (6,454) (6,432) (6,432) 117,327 117,327 114,117 114,117 3 62,161 5,147 46,242 10,772 49,495 3,245 35,073 11,177 561,547 158,073 46,242 357,232 516,798 142,958 35,073 338,767 46,938 46,938 44,293 44,293 4 61,277 61,277 56,647 56,647 7,408 7,408 7,610 7,610 459 459 711 711 116,082 116,082 109,261 109,261 677,629 158,073 46,242 473,314 626,059 142,958 35,073 448,028 1 179,736 175,232 7,189 53,710 133,215 5,614 186,925 53,710 133,215 180,846 65,149 115,697 2 43,875 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 52,504 3 60,146 4,773 42,393 12,980 47,443 2,881 34,633 9,929 298,970 58,483 42,393 198,094 280,793 68,030 34,633 178,130 34,657 34,657 34,248 34,248 4 32,636 32,636 33,360 33,360 4,767 4,767 4,808 4,808 3 3 72,063 72,063 72,416 72,416 371,033 58,483 42,393 270,157 353,209 68,030 34,633 250,546 1 4447 2 3 4 38 167

7.7913.21 5.0210.93 103 214221 39 540650 47 4,0005,400 3,9005,200 104 214221 209 24 30.6827.00 51 50 47 43 45 39 168

41 57 68 41 57 68 41 58 70 45 60 72 47 62 76 63 77 48 50 51 o o 49 o 67 83 o o 52 o 53 o 65 79 o 66 81 55 56 56 40 169

57 6768 84 113 2,96040 6 0.5% 120 8% 176 861 34,105 28,762 23,178 25,149 5,085 6,456 2,083 4,984 129,802 25,154 33,451 6,688 24,248 6,768 14,271 6,077 50,128 166,785 (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 55,028 295,891 1,2 17,658 4,501 4,192 14,891 399 2,273 742 41,512 86,168 31,324 27,567 28,587 26,702 5,190 5,418 1,710 3,919 130,417 21,515 28,321 7,710 22,526 6,827 14,672 6,327 47,023 154,921 (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 50,879 284,616 1,2 19,356 6,205 4,633 8,133 571 3,172 378 26,122 68,570 1 165 15 2 2 152 64% 62% 54%56% 42,240 22,397 65,165 129,802 106,827 48,449 11,509 166,785 (696) 295,891 38,475 23,592 68,350 130,417 96,194 46,195 12,532 154,921 (722) 284,616 41 170

83 1,345172 41% 88 9%144 524 7,960 1,435 4,953 5,991 10 4,492 24,841 33,451 5,900 6,508 13,361 1,146 49,570 109,936 (31) (30) (36) (87) (2) (84) (270) 1 41,380 7,305 11,425 19,265 1,154 53,978 134,507 1 4,451 3,864 381 2,237 241 41,244 52,418 27,567 1,579 5,062 4,955 15 2,857 42,035 28,321 4,793 6,590 13,648 1,641 46,100 101,093 (47) (31) (37) (125) (3) (63) (306) 1 55,841 6,341 11,615 18,478 1,653 48,894 142,822 1 6,205 2,246 560 3,131 115 25,767 38,024 1 167 15 63%63% 59% 22%45% 16,395 4,498 3,948 24,841 68,766 32,172 8,998 109,936 (270) 134,507 16,662 5,318 20,055 42,035 59,254 31,426 10,413 101,093 (306) 142,822 42 171

3 3 90 1 180 1 180 1 90 2 150 2 1 2 15015090 90 3 43 172

(i) (ii)(iii) 55 1 56 8 96%95%9 11 66 61 90 12 61 90 25 30 11 85%30 7.43 1%5.83 97%96% 5.93 30 150 2,9000.5% 44 173

1 5 73,861 61,617 58,860 120,477 59,117 63,216 59,280 122,496 6 8 10,325 68,706 42,458 111,164 7,757 61,739 41,696 103,435 9 11 1,825 27,964 21,321 49,285 1,457 21,324 21,596 42,920 12 35 1,738 2,629 4,367 32 1,400 2,689 4,089 86,046 160,025 125,268 285,293 68,363 147,679 125,261 272,940 4,233 389 4,622 773 319 1,092 30 17 2,507 2,968 5,475 3 1,434 3,559 4,993 31 60 276 511 787 114 493 607 61 90 598 220 818 3,058 230 3,288 91 150 198 198 208 208 17 3,381 3,897 7,278 3 4,606 4,490 9,096 583 583 207 5,486 1,279 6,765 309 4,400 1,232 5,632 (100) (2,107) (642) (2,749) (103) (1,764) (566) (2,330) 107 3,379 637 4,016 206 2,636 666 3,302 1,317 631 1,948 779 673 1,452 86,170 166,785 129,802 296,587 68,572 154,921 130,417 285,338 (2) (300) (396) (696) (2) (300) (422) (722) 86,168 166,485 129,406 295,891 68,570 154,621 129,995 284,616 1 5 2,271 1,026 1,026 555 1,237 1,237 6 8 196 3,321 3,321 219 3,048 3,048 9 11 211 211 692 692 12 25 25 1 1 2,467 4,583 4,583 774 4,978 4,978 30 405 405 319 319 2,467 5,307 5,307 774 4,978 4,978 86,046 160,025 125,268 285,293 68,363 147,679 125,261 272,940 90 17 3,381 3,699 7,080 3 4,606 4,282 8,888 474 151 625 436 133 569 86,063 163,880 129,118 292,998 68,366 152,721 129,676 282,397 843 480 1,323 343 540 883 107 2,062 204 2,266 206 1,857 201 2,058 107 2,905 684 3,589 206 2,200 741 2,941 86,170 166,785 129,802 296,587 68,572 154,921 130,417 285,338 (2) (300) (396) (696) (2) (300) (422) (722) 86,168 166,485 129,406 295,891 68,570 154,621 129,995 284,616 45 174

1 5 41,189 37,633 6,207 43,840 29,383 40,693 17,665 58,358 6 8 9,687 45,658 12,764 58,422 7,332 40,360 16,185 56,545 9 11 1,498 19,646 3,232 22,878 1,162 13,270 4,896 18,166 12 19 1,044 1,604 2,648 32 949 1,697 2,646 52,393 103,981 23,807 127,788 37,909 95,272 40,443 135,715 3,990 78 4,068 773 156 929 30 13 2,297 698 2,995 1 606 1,227 1,833 31 60 254 167 421 52 161 213 61 90 512 67 579 2,921 64 2,985 91 150 51 51 67 67 13 3,063 983 4,046 1 3,579 1,519 5,098 583 583 35 4,321 204 4,525 139 3,383 233 3,616 (22) (1,429) (153) (1,582) (24) (1,141) (160) (1,301) 13 2,892 51 2,943 115 2,242 73 2,315 1,033 60 1,093 608 129 737 52,419 109,936 24,841 134,777 38,025 101,093 42,035 143,128 (1) (182) (88) (270) (1) (192) (114) (306) 52,418 109,754 24,753 134,507 38,024 100,901 41,921 142,822 1 5 2,271 919 919 555 1,166 1,166 6 8 196 2,892 2,892 219 3,037 3,037 9 11 187 187 637 637 12 2,467 3,998 3,998 774 4,840 4,840 30 405 405 319 319 2,467 4,722 4,722 774 4,840 4,840 52,393 103,981 23,807 127,788 37,909 95,272 40,443 135,715 90 13 3,063 932 3,995 1 3,579 1,452 5,031 489 489 420 (2) 418 52,406 107,533 24,739 132,272 37,910 99,271 41,893 141,164 544 60 604 188 131 319 13 1,859 42 1,901 115 1,634 11 1,645 13 2,403 102 2,505 115 1,822 142 1,964 52,419 109,936 24,841 134,777 38,025 101,093 42,035 143,128 (1) (182) (88) (270) (1) (192) (114) (306) 52,418 109,754 24,753 134,507 38,024 100,901 41,921 142,822 46 175

36 73% 86% 23% 25% 76 1,970 1,860 62 76 89,536 2,889 564 63,390 642 695 152,926 3,531 1,259 1 129,802 3,897 1,279 252,955 3,398 5,693 382,757 7,295 6,972 129,802 3,897 1,279 166,785 3,381 5,486 296,587 7,278 6,765 86,170 17 207 86,170 17 207 88,119 2,799 563 51,594 1,823 573 139,713 4,622 1,136 1 130,417 4,490 1,232 223,493 4,609 4,709 353,910 9,099 5,941 130,417 4,490 1,232 154,921 4,606 4,400 285,338 9,096 5,632 68,572 3 309 68,572 3 309 1 8,322 1,106 143 45,388 532 416 53,710 1,638 559 1 24,841 983 204 162,355 3,076 4,356 187,196 4,059 4,560 24,841 983 204 109,936 3,063 4,321 134,777 4,046 4,525 52,419 13 35 52,419 13 35 28,208 947 149 36,941 1,174 476 65,149 2,121 625 1 42,035 1,519 233 139,118 3,580 3,522 181,153 5,099 3,755 42,035 1,519 233 101,093 3,579 3,383 143,128 5,098 3,616 38,025 1 139 38,025 1 139 1 47 176

44 44 62 9 71 3 3 44 44 65 9 74 2 2 2 2 3 3 2 2 5 5 9090 180 56 1% 9.33 90 50 48% 51% 61%64% 48 177

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 2,965 686 1,681 2,367 1,024 1,912 2,936 659 1,533 2,192 29 29 27 148 175 (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 3,696 741 2,406 3,147 (396) (302) (698) (422) (302) (724) 288 2,710 2,998 319 2,104 2,423 77% 48% 54% 75% 51% 56% 1 180 54 301 3,101 3,402 320 2,034 2,354 (12) (113) (125) (2) (36) (38) 83 1,379 1,462 92 1,333 1,425 79 1,379 1,458 82 1,209 1,291 4 4 10 124 134 (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 4,104 301 3,101 3,402 1 (153) (1,436) (1,589) (159) (1,164) (1,323) 102 2,417 2,519 142 1,937 2,079 (88) (183) (271) (114) (193) (307) 14 2,234 2,248 28 1,744 1,772 95% 42% 45% 91% 44% 48% 1 180 49 178

306090120 150 8. 30 9. a. 150 b. 90 c. 90 d. 150 90 120 720 90 90 50 179

90 1510 1,440 4,709 6,149 1,223 3,450 4,673 (32) (140) (172) 12 (40) (28) (111) (111) 1,104 1,967 3,071 682 1,561 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 6,149 300 3,522 3,822 307 2,417 2,724 (12) (113) (125) (2) (36) (38) 79 1,436 1,515 90 1,239 1,329 (6) (3) (9) (10) (48) (58) 1 (107) (489) (596) (85) (50) (135) 254 4,353 4,607 300 3,522 3,822 1 51 180

4.168,3002.23 4,400 150 2,433 724 3,157 1,926 746 2,672 (81) (16) (97) 4 13 17 (1,173) (1,173) (935) (935) (3) (3) (3) (3) 211 211 288 288 (93) (93) (77) (77) (42) (25) (67) 2,007 170 2,177 1,678 116 1,794 (410) (155) (565) (448) (151) (599) 1,597 15 1,612 1,230 (35) 1,195 2,849 698 3,547 2,433 724 3,157 1,325 307 1,632 1,017 348 1,365 (80) (36) (116) (7) (1) (8) (302) (302) (324) (324) 66 66 100 100 (55) (55) (42) (42) 763 62 825 724 39 763 (113) (62) (175) (143) (79) (222) 650 650 581 (40) 541 1,604 271 1,875 1,325 307 1,632 52 181

74 89 246 437 270 1,173 49 95 2,433 6 (36) (37) (11) (3) (81) (161) (154) (339) (364) (46) (59) (28) (22) (1,173) (1) (2) (3) 31 21 30 80 7 26 8 8 211 (3) (5) (10) (21) (22) (26) (3) (3) (93) (42) (42) 169 106 522 544 205 173 265 23 2,007 (48) (29) (92) (130) (21) (68) (14) (8) (410) 121 77 430 414 184 105 251 15 1,597 62 28 321 509 356 1,206 274 93 2,849 78 38 136 425 112 972 61 104 1,926 5 17 1 (7) (9) (4) 1 4 (155) (57) (175) (319) (42) (123) (29) (35) (935) (2) (2) 1 (3) 44 44 28 124 11 29 5 3 288 (2) (3) (13) (17) (13) (28) (1) (77) 158 111 334 390 235 387 31 32 1,678 (49) (49) (81) (165) (26) (53) (14) (11) (448) 109 62 253 225 209 334 17 21 1,230 74 89 246 437 270 1,173 49 95 2,433 53 182

89 117 270 789 5 55 1,325 (19) (24) (38) 3 (2) (80) (127) (74) (46) (44) (11) (302) 14 14 7 23 8 66 (4) (5) (21) (22) (3) (55) 77 133 200 132 161 60 763 (20) (15) (20) (51) (7) (113) 57 118 180 81 161 53 650 10 146 352 830 164 102 1,604 77 119 109 646 4 62 1,017 1 (4) (6) 2 (7) (102) (76) (42) (73) (1) (30) (324) 45 17 9 25 4 100 (3) (4) (13) (22) (42) 120 82 233 258 1 30 724 (49) (17) (20) (45) (1) (11) (143) 71 65 213 213 19 581 89 117 270 789 5 55 1,325 54 183

90 90 120 7.287.69 0.5% 13%12% 36 45.8140.43 61 90 180 30 5.38 55 184

389 4,233 4,622 319 773 1,092 583 583 389 4,816 5,205 319 773 1,092 203 488 691 174 437 611 (52) (14) (66) (41) (1) (42) 151 474 625 133 436 569 540 5,290 5,830 452 1,209 1,661 525 1,228 1,753 595 574 1,169 (45) (385) (430) (55) (231) (286) 480 843 1,323 540 343 883 480 843 1,323 540 343 883 1,020 6,133 7,153 992 1,552 2,544 389 4,816 5,205 319 773 1,092 631 1,317 1,948 673 779 1,452 1,020 6,133 7,153 992 1,552 2,544 56 185

28 Korea Housing Finance Corporation30 16 22%3% 2,600 23,252 13,983 12,641 14,224 2,176 1,868 290 1,355 69,789 7,468 11,471 5,663 5,590 854 3,397 1,367 3,559 39,369 3,385 3,308 4,874 5,335 2,055 1,191 426 70 20,644 34,105 28,762 23,178 25,149 5,085 6,456 2,083 4,984 129,802 (57) (28) (93) (124) (21) (45) (25) (3) (396) 34,048 28,734 23,085 25,025 5,064 6,411 2,058 4,981 129,406 21,441 14,278 16,686 14,832 2,284 1,629 256 1,221 72,627 6,843 10,038 6,936 6,387 806 2,902 1,152 2,696 37,760 3,040 3,251 4,965 5,483 2,100 887 302 2 20,030 31,324 27,567 28,587 26,702 5,190 5,418 1,710 3,919 130,417 (50) (26) (116) (140) (20) (44) (22) (4) (422) 31,274 27,541 28,471 26,562 5,170 5,374 1,688 3,915 129,995 57 186

172 41% 22% 29 46% 191 2,117 1,837 10 1,356 5,511 7,960 834 813 3,211 3,066 15,884 410 2,023 943 70 3,446 7,960 1,435 4,953 5,991 10 4,492 24,841 (1) (21) (21) (42) (3) (88) 7,959 1,414 4,932 5,949 10 4,489 24,753 14,278 203 2,228 1,585 15 547 18,856 10,038 1,006 761 2,728 2,308 16,841 3,251 370 2,073 642 2 6,338 27,567 1,579 5,062 4,955 15 2,857 42,035 (26) (24) (20) (41) (3) (114) 27,541 1,555 5,042 4,914 15 2,854 41,921 38 4,273 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 65,165 129,802 (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 68,350 130,417 (422) 129,995 58 187

1,529 1,253 2,729 5,511 12,964 2,697 223 15,884 1,902 548 996 3,446 16,395 4,498 3,948 24,841 (88) 24,753 611 1,772 16,473 18,856 13,418 2,593 830 16,841 2,633 953 2,752 6,338 16,662 5,318 20,055 42,035 (114) 41,921 59 188

95% 47.7% 39 3%5.9330 4,700 7,600 67,844 1,766 295 69,905 70,313 2,104 347 72,764 37,742 1,366 565 39,673 35,810 1,709 469 37,988 19,682 765 419 20,866 19,138 677 416 20,231 125,268 3,897 1,279 130,444 125,261 4,490 1,232 130,983 (642) (566) (396) (422) 129,406 129,995 33,622 28,245 22,263 23,636 4,587 6,025 2,006 4,884 125,268 419 454 778 1,251 472 386 52 85 3,897 88 82 322 416 58 209 39 65 1,279 (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 4,981 129,406 30,878 26,956 27,340 25,142 4,825 4,772 1,629 3,719 125,261 404 569 1,059 1,283 342 587 69 177 4,490 66 57 329 417 52 224 24 63 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 3,915 129,995 60 189

5,201 293 80 5,574 18,407 418 98 18,923 15,572 291 47 15,910 16,062 759 42 16,863 3,034 399 77 3,510 5,974 342 93 6,409 23,807 983 204 24,994 40,443 1,519 233 42,195 (153) (160) (88) (114) 24,753 41,921 7,937 1,349 4,464 5,632 9 4,416 23,807 82 464 351 1 85 983 23 9 57 114 1 204 (5) (32) (106) (1) (9) (153) (1) (21) (21) (42) (3) (88) 7,959 1,414 4,932 5,949 10 4,489 24,753 26,955 1,544 4,710 4,428 13 2,793 40,443 569 34 331 519 1 65 1,519 58 6 50 117 2 233 (15) (5) (29) (109) (2) (160) (26) (24) (20) (41) 1 (4) (114) 27,541 1,555 5,042 4,914 15 2,854 41,921 61 190

73%9% 1 1 69,789 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 23,980 129,802 94,121 11,634 24,662 130,417 73% 9% 18% 72% 9% 19% 1 1 1 5,511 5,511 18,856 18,856 12,383 3,501 15,884 11,529 5,312 16,841 392 2,681 373 3,446 2,219 3,283 836 6,338 18,286 2,681 3,874 24,841 32,604 3,283 6,148 42,035 73% 11% 16% 78% 8% 14% 1 62 191

47.7%47.8% 50% 100% 0.5% 0.3% % % % % % % % % % 50% 66.3 55.4 48.8 46.9 65.8 35.4 27.0 21.6 54.9 50% 59% 13.0 17.6 22.7 18.6 12.9 16.7 13.6 38.3 17.6 60% 69% 7.5 13.5 19.1 16.9 10.5 18.4 21.3 25.6 13.7 70% 79% 5.4 11.8 5.6 10.3 7.7 14.3 22.4 14.5 8.2 80% 89% 4.5 1.6 2.2 5.9 2.7 6.6 15.1 3.7 90% 99% 3.2 1.1 1.1 0.2 3.0 0.2 1.6 100% 0.5 0.1 0.2 5.6 0.4 0.3 44.8 44.5 49.3 51.3 40.6 59.8 64.3 52.3 47.7 23,252 13,983 12,641 14,224 2,176 1,868 290 1,355 69,789 % % % % % % % % % 50% 75.4 52.5 49.0 37.9 55.8 24.1 28.2 25.4 54.3 50% 59% 11.4 18.4 24.6 19.1 15.4 15.9 13.9 32.8 18.2 60% 69% 6.1 13.8 18.5 21.0 12.7 17.3 20.1 21.1 14.3 70% 79% 3.2 12.7 5.0 14.5 10.5 13.3 18.8 20.7 8.5 80% 89% 3.2 2.6 2.0 5.9 4.7 8.0 17.0 3.5 90% 99% 0.7 0.7 1.3 0.9 5.2 1.2 0.8 100% 0.2 0.3 16.2 0.8 0.5 41.2 46.1 48.9 54.1 45.6 72.1 63.9 50.9 47.8 21,441 14,278 16,686 14,832 2,284 1,629 256 1,221 72,627 63 192

% % % % % % % 50% 46.9 65.8 35.4 27.0 21.6 54.9 50% 59% 18.6 12.9 16.7 13.6 38.3 17.6 60% 69% 16.9 10.5 18.4 21.3 25.6 13.7 70% 79% 10.3 7.7 14.3 22.4 14.5 8.2 80% 89% 5.9 2.7 6.6 15.1 3.7 90% 99% 1.1 0.2 3.0 0.2 1.6 100% 0.1 0.2 5.6 0.4 0.3 51.3 40.6 59.8 64.3 52.3 47.7 191 2,117 1,837 10 1,356 5,511 % % % % % % % 50% 52.5 37.9 55.8 24.1 30.0 25.4 54.3 50% 59% 18.4 19.1 15.4 15.9 13.6 32.8 18.2 60% 69% 13.8 21.0 12.7 17.3 20.0 21.1 14.3 70% 79% 12.7 14.5 10.5 13.3 17.7 20.7 8.5 80% 89% 2.6 5.9 4.7 8.0 16.7 3.5 90% 99% 1.3 0.9 5.2 1.2 0.8 100% 0.3 16.2 0.8 0.5 46.1 54.1 45.6 72.1 50.1 53.9 47.8 14,278 203 2,228 1,585 15 547 18,856 64 193

3.60 53% 1,900 162 104 457 447 53 115 30 16 1,384 (30) (27) (87) (127) (18) (54) (12) (4) (359) 132 77 370 320 35 61 18 12 1,025 7 1 1 (10) 3 2 4 1 9 139 78 371 310 38 63 22 13 1,034 135 109 289 352 43 122 29 13 1,092 (44) (49) (72) (157) (19) (52) (12) (3) (408) 91 60 217 195 24 70 17 10 684 4 2 6 (9) 3 (19) 3 (10) 95 62 223 186 27 51 20 10 674 76 74 52 88 16 306 (18) (15) (17) (42) (4) (96) 58 59 35 46 12 210 2 3 1 6 60 59 38 47 12 216 108 76 40 92 6 322 (49) (17) (18) (43) (1) (3) (131) 59 59 22 49 (1) 3 191 2 (1) 3 (19) (15) 61 58 25 30 (1) 3 176 65 194

137 12 (33) 116 228 889 (813) 304 201 124 (103) 222 566 1,025 (949) 642 422 9 (35) 396 988 1,034 (984) 1,038 135 10 (8) 137 149 565 (486) 228 197 109 (105) 201 481 684 (599) 566 424 (10) 8 422 905 674 (591) 988 67 1 (5) 63 72 187 (183) 76 71 22 (29) 64 210 210 (217) 203 114 6 (32) 88 324 216 (249) 291 64 2 1 67 19 177 (174) 22 74 12 (15) 71 157 191 (188) 160 131 (15) (2) 114 288 176 (190) 274 66 195

800 67 84 86 360 333 69 237 39 66 1,274 1 (24) (14) (185) (107) (32) (164) (14) (50) (590) 60 72 175 226 37 73 25 16 684 (396) 288 77% 3 3 67 70 376 344 65 253 26 65 1,266 1 (24) (14) (141) (100) (29) (165) (12) (40) (525) 43 56 235 244 36 88 14 25 741 (422) 319 75% 23 23 68 140 1 255 1 (5) (32) (106) (1) (9) (153) 23 18 36 34 (9) 102 (88) 14 95% 70 24 63 142 2 301 1 (14) (5) (29) (109) (2) (159) 56 19 34 33 142 (114) 28 91% 1 180 50 196

120 8% 214 27 861 176 23 755 362 31 221 559 783 2,734 271 171 408 403 627 1,520 133 434 3,967 5,948 16,693 475 3,978 881 4,776 779 9,679 43,209 503 711 41 897 31 438 308 2,481 5,410 3,778 854 567 4,355 392 1,744 331 9,918 21,939 339 776 22 313 249 1,699 1,217 2,605 1,018 13 562 870 9,819 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 1,006 10 1,327 13,630 2,312 3,260 230 1,181 502 995 721 4,828 14,029 188 968 86 66 19 92 280 299 1,998 25,154 33,451 6,688 24,248 6,768 14,271 6,077 50,128 166,785 (29) (31) (13) (32) (17) (55) (42) (81) (300) 25,125 33,420 6,675 24,216 6,751 14,216 6,035 50,047 166,485 17,658 4,501 4,192 14,891 399 2,273 742 41,512 86,168 54 806 4 392 13 261 785 2,079 4,394 374 484 487 508 629 1,183 259 659 4,583 4,983 11,773 665 3,937 815 4,428 768 6,229 33,598 510 407 552 7 366 251 2,723 4,816 2,702 2,184 52 4,272 378 2,295 455 10,149 22,487 50 790 651 765 2 319 47 630 3,254 700 1,938 928 394 778 602 9,495 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 1,082 64 540 11,543 2,400 3,330 194 920 447 965 809 5,411 14,476 200 468 121 149 8 102 79 167 1,294 21,515 28,321 7,710 22,526 6,827 14,672 6,327 47,023 154,921 (24) (21) (16) (26) (19) (94) (41) (59) (300) 21,491 28,300 7,694 22,500 6,808 14,578 6,286 46,964 154,621 19,356 6,205 4,633 8,133 571 3,172 378 26,122 68,570 68 197

755 88 31 158 226 782 2,040 171 88 616 1,520 6 434 2,835 16,693 397 846 4,822 98 9,753 32,609 711 514 31 252 37 2,481 4,026 854 1,035 359 1,793 65 9,847 13,953 339 525 313 249 1,426 2,605 889 13 539 385 9,819 14,250 4,136 1,503 2,864 1,957 324 10,227 21,011 2,959 357 1,234 1,006 1,327 6,883 3,260 504 494 913 5 4,360 9,536 968-20 88 291 1,367 33,451 5,900 6,508 13,361 1,146 49,570 109,936 (30) (9) (15) (45) (2) (81) (182) 33,421 5,891 6,493 13,316 1,144 49,489 109,754 4,451 3,864 381 2,237 241 41,244 52,418 806 178 13 221 512 2,079 3,809 484 137 617 1,183 36 659 3,116 11,773 304 788 4,459 182 6,304 23,810 407 284 7 144 2,723 3,565 2,184 1,195 342 2,346 40 10,074 16,181 790 60 318 630 1,798 1,938 641 394 759 319 9,495 13,546 3,845 1,426 2,759 2,178 457 8,755 19,420 2,296 253 1,229 1,082 64 540 5,464 3,330 313 435 860 31 4,674 9,643 468 2 6 98 167 741 28,321 4,793 6,590 13,648 1,641 46,100 101,093 (21) (7) (17) (84) (3) (60) (192) 28,300 4,786 6,573 13,564 1,638 46,040 100,901 6,205 2,246 560 3,131 115 25,767 38,024 69 198

64%62% 1,788 839 107 2,734 2,883 938 146 3,967 38,348 4,359 502 43,209 1,587 1,690 2,133 5,410 13,343 8,128 468 21,939 1,342 272 85 1,699 8,210 5,993 1,901 16,104 29,343 10,761 1,962 42,066 4,062 8,943 625 13,630 4,953 5,599 3,477 14,029 968 927 103 1,998 106,827 48,449 11,509 166,785 (300) 166,485 3,274 965 155 4,394 3,159 1,256 168 4,583 28,941 4,239 418 33,598 1,863 1,043 1,910 4,816 13,839 7,581 1,067 22,487 2,873 303 78 3,254 6,873 5,275 2,687 14,835 26,629 11,187 1,825 39,641 4,180 6,842 521 11,543 3,852 6,951 3,673 14,476 711 553 30 1,294 96,194 46,195 12,532 154,921 (300) 154,621 70 199

63%59% 1,322 611 107 2,040 1,949 740 146 2,835 29,313 2,941 355 32,609 992 1,013 2,021 4,026 7,717 5,830 406 13,953 1,069 272 85 1,426 6,689 5,772 1,789 14,250 13,728 5,935 1,348 21,011 1,975 4,567 341 6,883 3,425 3,796 2,315 9,536 587 696 84 1,367 68,766 32,173 8,997 109,936 (182) 109,754 2,751 903 155 3,809 2,161 790 165 3,116 20,783 2,713 314 23,810 1,065 615 1,885 3,565 9,010 6,127 1,044 16,181 1,538 182 78 1,798 5,853 5,065 2,628 13,546 11,874 6,431 1,115 19,420 1,831 3,402 231 5,464 2,094 4,761 2,788 9,643 294 437 10 741 59,254 31,426 10,413 101,093 (192) 100,901 71 200

95% 123 1 5 12 60 90 5 0 30 3085% 11 3.43 99% 2,410 87 420 2,917 4,286 54 83 4,423 3,502 238 295 4,035 4,121 301 233 4,655 42,413 544 940 43,897 33,027 306 933 34,266 5,272 113 35 5,420 4,735 4 85 4,824 20,670 256 1,259 22,185 18,897 2,616 1,139 22,652 1,645 54 1,699 3,254 - - 3,254 14,918 1,074 158 16,150 14,253 574 17 14,844 40,249 686 1,731 42,666 38,342 684 1,176 40,202 13,580 14 67 13,661 11,379 30 158 11,567 13,410 297 518 14,225 14,105 25 543 14,673 1,956 18 63 2,037 1,280 12 33 1,325 160,025 3,381 5,486 168,892 147,679 4,606 4,400 156,685 (2,107) (1,764) (300) (300) 166,485 154,621 86,046 17 207 86,270 68,363 3 309 68,675 (100) (103) (2) (2) 86,168 68,570 72 201

1,783 39 394 2,216 3,723 53 52 3,828 2,398 232 253 2,883 2,840 147 176 3,163 31,646 524 876 33,046 23,150 251 834 24,235 3,924 98 4 4,026 3,533 38 3,571 12,754 236 1,202 14,192 12,814 2,469 1,058 16,341 1,372 54 1,426 1,798 1,798 13,084 1,071 128 14,283 13,359 186 13,545 19,854 486 984 21,324 18,602 471 640 19,713 6,877 8 6,885 5,363 107 5,470 8,965 297 439 9,701 9,344 2 476 9,822 1,324 18 41 1,383 746 2 748 103,981 3,063 4,321 111,365 95,272 3,579 3,383 102,234 (1,429) (1,141) (182) (192) 109,754 100,901 52,393 13 35 52,441 37,909 1 139 38,049 (22) (24) (1) (1) 52,418 38,024 73 202

24,982 32,586 6,606 23,798 5,923 12,607 5,614 47,909 160,025 37 826 5 68 239 442 167 1,597 3,381 173 48 213 659 930 2,264 556 643 5,486 (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 50,047 166,485 3 3 20,674 28,036 7,554 22,171 6,186 12,697 6,212 44,149 147,679 769 160-87 134 657 20 2,779 4,606 122 199 261 487 748 2,326 132 125 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 46,964 154,621 32,587 5,790 5,666 11,611 926 47,401 103,981 826 9 232 399-1,597 3,063 48 242 930 2,075 383 643 4,321 (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 49,489 109,754 28,036 4,705 5,950 11,722 1,632 43,227 95,272 160 3 134 503 2,779 3,579 199 197 747 2,103 12 125 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 46,040 100,901 74 203

17,648 4,488 4,192 14,805 399 2,274 742 41,498 86,046 4 13 17 6 165 36 207 (78) (22) (100) (1) (1) (2) 17,658 4,501 4,192 14,891 399 2,273 742 41,512 86,168 3 3 19,349 6,205 4,633 8,048 570 3,076 378 26,104 68,363 2 1 3 5 164 97 43 309 (78) (25) (103) (1) (1) (2) 19,356 6,205 4,633 8,133 571 3,172 378 26,122 68,570 4,438 3,864 381 2,237 241 41,232 52,393 13 13 35 35 (22) (22) (1) (1) 4,451 3,864 381 2,237 241 41,244 52,418 6,205 2,246 559 3,035 115 25,749 37,909 1 1 97 42 139 (24) (24) (1) (1) 6,205 2,246 560 3,131 115 25,767 38,024 75 204

634 51636 1,9701,860 49% 15.3% 12,278 9,039 15,125 13,141 AAA 45 4 AA- AA+ 9,652 3,390 BBB- BBB+ 2,785 713 BBB- 865 1,313 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+ 2,463 325 BBB- 855 1,285 4,084 5,063 15,699 11,307 10,489 11,819 45,388 36,941 76 205

136.30 115.43 67.58 % % % % % % % % % 50% 94.2 45.9 97.8 82.7 57.5 40.4 59.6 93.0 71.3 50% 59% 5.8 48.0 2.2 13.3 22.2 51.0 20.8 60% 69% 6.1 3.9 20.3 4.8 40.4 7.0 7.5 70% 79% 80% 89% 90% 99% 100% 3.8 0.4 38.2 45.8 27.6 38.6 40.9 59.0 46.8 35.1 41.1 1,165 1,154 440 1,072 1,338 728 10 851 6,758 % % % % % % % % % 50% 77.5 62.5 37.7 69.9 48.6 59.5 68.8 97.3 62.7 50% 59% 18.8 24.1 34.4 15.1 25.5 34.2 0.7 2.7 23.3 60% 69% 3.8 13.5 9.1 14.9 25.9 4.2 30.5 12.5 70% 79% 18.7 1.1 80% 89% 90% 99% 100% 2.1 0.4 40.8 44.3 53.0 43.4 48.9 48.5 48.0 40.1 45.7 779 1,560 384 927 1,263 1,264 40 364 6,584 77 206

68.83 54.64 % % % % % % % 50% 45.9 81.4 57.5 40.4 93.0 71.3 50% 59% 48.0 18.6 22.2 51.0 20.8 60% 69% 6.1 20.3 4.8 7.0 7.5 70% 79% 80% 89% 90% 99% 100% 3.8 0.4 45.8 38.6 40.9 59.0 35.1 41.1 1,154 85 1,338 653 851 4,081 % % % % % % % 50% 62.4 42.7 48.6 59.5 97.3 60.2 50% 59% 24.1 25.5 34.2 2.7 24.9 60% 69% 13.5 57.3 25.9 4.2 14.4 70% 79% 80% 89% 90% 99% 100% 2.1 0.5 44.3 43.4 48.9 48.5 40.1 45.7 1,560 98 1,263 1,194 364 4,479 78 207

2,600 5% 7 2 65 97 152 58 235 7 623 (18) (2) (5) (3) (3) (14) (2) (4) (51) (11) 60 94 149 44 233 3 572 6 10 (4) 10 7 (40) 15 2 6 (5) 10 56 104 156 4 248 5 578 1 1 1 2 5 (4) 10 56 105 157 4 248 7 583 23 2 45 38 192 265 2 19 586 (5) (9) (8) (7) (1) (2) (8) (40) 18 2 36 30 185 264 11 546 (3) 2 (10) 5 (45) (3) 18 11 (25) 15 4 26 35 140 261 18 22 521 (1) (2) 4 1 14 4 26 35 138 265 18 22 522 79 208

1 59 148 44 161 44 457 (2) (3) (9) (3) (17) (1) 59 145 35 161 41 440 11 3 1 (1) (1) (19) (6) 10 62 146 34 160 22 434 2 1 2 5 12 62 147 34 160 24 439 12 6 193 166 1 24 402 (2) (2) (8) (12) 12 6 191 164 1 16 390 1 3 3 1 (34) (26) 13 9 194 164 2 (18) 364 13 9 194 164 2 (18) 364 80 209

29 178 (24) 183 72 13 (17) 68 668 20 688 8 8 (6) 10 165 25 56 246 9 35 2 46 561 248 (209) 600 24 9 (2) 31 197 24 (25) 196 31 13 (5) 39 1,764 573 (230) 2,107 300 6 (6) 300 2,064 579 (236) 2,407 103 (1) (2) 100 2 2 105 (1) (2) 102 24 5 29 65 19 (12) 72 464 136 68 668 6 2 8 167 118 (120) 165 1 8 9 542 101 (82) 561 24 24 40 162 (5) 197 29 4 (2) 31 1,362 540 (138) 1,764 321 (23) 2 300 1,683 517 (136) 2,064 82 6 15 103 2 (2) 2 2 84 4 17 105 81 210

18 178 (20) 176 47 6 (5) 48 425 29 (17) 437 6 (6) 160 12 67 239 36 (3) 33 294 167 (148) 313 6 (2) (2) 2 179 7 (21) 165 6 7 3 16 1,141 440 (152) 1,429 192 (6) (4) 182 1,333 434 (156) 1,611 24 (2) 22 1 1 25 (2) 23 15 4 19 44 5 (2) 47 294 47 84 425 4 2 6 161 81 (82) 160 301 226 (234) 293 10 (4) 6 25 7 147 179 2 4 6 856 366 (81) 1,141 216 (25) 1 192 1,072 341 (80) 1,333 4 24 (4) 24 1 1 5 24 (4) 25 82 211

48 9.33 22% 179 20 213 824 928 1,793 570 678 5,205 1 (38) (9) (136) (355) (324) (1,028) (260) (43) (2,193) 141 11 77 469 604 765 310 635 3,012 (302) 2,710 48% 1 18048 128 21 261 707 754 2,089 147 165 4,272 1 (50) (14) (105) (304) (240) (1,061) (37) (55) (1,866) 78 7 156 403 514 1,028 110 110 2,406 (302) 2,104 51% 1 18048 83 212

20 242 926 1,604 383 678 3,853 1 (10) (141) (320) (710) (163) (93) (1,437) 10 101 606 894 220 585 2,416 (183) 2,233 42% 199 115 743 1,865 13 166 3,101 1 (74) (79) (240) (713) (3) (55) (1,164) 125 36 503 1,152 10 111 1,937 (193) 1,744 44% 1 18048 84 213

389 389 404 404 (204) (204) (159) (159) 185 185 245 245 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- 3,291 898 4,189 3,027 502 3,529 8,101 1,500 9,601 6,471 1,571 8,042 85,735 31,407 117,142 84,177 29,695 113,872 85,920 31,407 117,327 84,422 29,695 114,117 1 12,407 5,161 17,568 14,882 2,955 17,837 292 292 333 333 70,545 26,246 96,791 65,356 26,740 92,096 83,244 31,407 114,651 80,571 29,695 110,266 1 2,676 2,676 3,851 3,851 85,920 31,407 117,327 84,422 29,695 114,117 1 15 16 21 6,000 35 AAA30 238 AAA 92.7572.08 85 214

123 123 137 137 (121) (121) (128) (128) 2 2 9 9 AAA 20,350 2,907 23,257 17,800 6,289 24,089 AAAA+ 7,472 1,538 9,010 7,619 107 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- 2,042 408 2,450 1,792 92 1,884 5,670 483 6,153 4,946 348 5,294 43,584 8,313 51,897 42,969 9,526 52,495 43,586 8,313 51,899 42,978 9,526 52,504 1 6,543 2,276 8,819 8,925 721 9,646 35,242 6,037 41,279 31,782 8,805 40,587 41,785 8,313 50,098 40,707 9,526 50,233 1 1,801 1,801 2,271 2,271 1,801 1,801 2,271 2,271 43,586 8,313 51,899 42,978 9,526 52,504 1 15 16 21 56.8446.27 86 215

1 1 46% 3,059 3,052 3,045 46% 2,160 2,114 2,120 3% 223 181 190 5% 260 203 219 5% 321 242 235 10% 478 355 351 46% 3,126 3,081 3,124 39% 1,869 1,847 1,861 100% 6,729 6,556 6,594 100% 4,767 4,519 4,551 2% 158 158 158 4% 190 191 191 79% 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 1,574 100% 6,729 6,556 6,594 100% 4,767 4,519 4,551 1 1%0.7%) 6.14 6.4715 48 AAA 95% A 80%AAA AA 26 26 (1) (1) (3) (3) 5 5 87 216

(GIIPS) 5 GIIPS 24 20377220 GIIPS32% GIIPS32% 2.60 2.63 719 402 1,121 951 5 956 15 207 93 52 367 15 1,158 817 454 2,444 (70) (167) (237) (192) (5) (197) (1) (16) (1) (3) (21) (1) (208) (76) (170) (455) 649 235 884 759 1 759 14 191 92 49 346 14 950 741 284 1,989 29 1,391 610 21 221 2,272 1 88 217

(GIIPS) 3 GIIPS 3329 3 516 394 910 950 5 955 14 1,337 92 15 1,458 14 2,287 613 409 3,323 (69) (167) (236) (191) (5) (196) (12) (4) (16) (203) (74) (171) (448) 447 227 674 759 1 759 14 1,325 92 11 1,442 14 2,084 539 238 2,875 29 1,339 418 20 179 1,985 1 89 218

GIIPS 9 143 265 11 428 11 11 9 143 276 11 439 (1) (4) (53) (2) (60) 8 139 223 9 379 36 36 51 51 6 6 51 42 93 51 42 93 212 24 168 404 1 (204) (23) (168) (395) 8 1 9 6 752 517 233 1,508 1 14 950 741 284 1,989 9 406 300 221 936 18 53 294 20 22 407 51 119 170 2 33 5 5 45 9 1,254 311 1 75 1,650 1 29 1,391 610 21 221 2,272 1 90 219

GIIPS 8 1,273 260 10 1,551 8 1,273 260 10 1,551 (50) (3) (53) 8 1,273 210 7 1,498 51 6 57 51 6 57 51 6 57 212 24 168 404 1 (0) (203) (24) (168) (395) 9 9 6 751 329 225 1,311 1 14 2,084 539 238 2,875 8 1,536 284 184 2,012 18 1 276 20 19 334 51 84 135 2 33 4 6 45 9 1,254 138 70 1,471 1 29 1,339 418 20 179 1,985 1 91 220

GIIPS 305 305 2,911 4,303 1,695 1,122 10,031 79 72 105 148 404 1,526 710 5,935 646 8,817 4,516 5,390 7,735 1,916 19,557 3,738 12,809 12,114 2,594 31,255 57% 30 GIIPS 69 69 1,931 4,192 859 1,122 8,104 79 72 104 148 403 899 670 4,888 547 7,004 2,909 5,003 5,851 1,817 15,580 2,378 12,251 10,178 2,502 27,309 GIIPS21 92 221

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 10,033 1 3,959 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 93 222

97.5% Monte Carlo (Risks-not-in- VaR) 3% 94 223

97.5% 14% 8% 23% 31% 37% 14% 97.5% 4 4 5 4 4 5 2 25.0 37.4 18.2 23.3 25.8 31.1 20.7 24.4 4.2 7.6 2.3 7.0 4.8 7.7 2.3 4.2 1.5 2.6 0.9 1.5 1.7 3.0 1.0 1.0 15.4 18.4 13.0 18.3 15.9 18.5 13.9 16.4 3 32.8 44.8 22.1 38.5 28.8 38.5 22.6 29.5 2 9.1 15.0 6.5 8.1 10.4 15.7 6.1 8.2 4.2 7.6 2.3 7.0 4.8 7.7 2.3 4.2 1.5 2.6 0.9 1.5 1.7 3.0 1.0 1.0 1.5 2.1 1.1 1.8 1.5 2.8 0.6 1.9 3 9.8 14.9 7.3 9.1 12.8 20.8 6.8 8.0 2 22.6 34.3 16.9 22.1 22.2 26.7 17.8 21.4 14.9 17.6 12.4 17.4 16.7 18.0 14.4 16.9 3 29.2 34.9 19.6 32.7 27.1 33.5 21.9 23.9 1 Prudential Sourcebook IV/CRR 39 2 3 4 5 95 224

4 4 5 4 4 5 3 32.8 44.8 22.1 38.5 28.8 38.5 22.6 29.5 1 6.4 12.2 3.5 5.5 7.9 12.0 4.6 7.1 4.2 7.6 2.3 7.0 4.8 7.7 2.3 4.2 3.1 4.3 2.2 3.4 4.2 7.0 2.7 3.7 1.5 2.6 0.9 1.5 1.7 3.0 1.0 1.0 1.5 2.1 1.1 1.8 1.5 2.8 0.6 1.9 3 9.8 14.9 7.3 9.1 12.8 20.8 6.8 8.0 22.2 33.9 17.1 21.2 20.9 25.8 16.3 20.2 1.6 2.4 1.0 1.3 1.9 4.9 0.4 2.0 14.9 17.6 12.4 17.4 16.7 18.0 14.4 16.9 3 29.2 34.9 19.6 32.7 27.1 33.5 21.9 23.9 1 Prudential Sourcebook IV/CRR 39 2 3 4 5 96 225

1 2 4.7 5.2 5.5 5.1 1.5 1.6 0.5 0.4 12.2 12.3 1 2 2.8 3.8 0.5 0.1 3.3 3.9 97.5% 1 14.8 19.3 6.5 3.3 1.5 1.9 18.3 16.4 2 30.6 25.5 1 5.9 7.9 6.5 3.3 1.5 1.0 1.7 1.8 8.7 7.9 1 13.2 16.3 17.4 16.9 2 25.0 25.7 1 97 226

15 7% 62,161 61,059 1,102 86,168 13,472 72,696 295,891 8,643 287,248 85,920 11,638 74,282 31,407 5,151 26,256 6,454 1,348 5,106 36,004 10,918 25,086 604,005 112,229 491,776 44,427 44,427 390,971 390,971 52,762 52,762 62,289 60,563 1,726 5,293 5,139 154 555,742 65,702 490,040 98 227

+25 33.9 33.1 25 (33.9) (33.1) 12.80 9.71 7,079 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 1,360 993 1,164 530 586 4,010 3,648 35,517 33,349 1% 2.472.55 99 228

39 224 20 39 100 229

(58% 101 230

42.5% 57.5% 43.1%56.9% 64% 1227 1532 58% 27.1% % 58.4 6.6 9.3 8.2 7.9 3.3 6.3 100.0 % 27.1 19.0 7.8 16.5 3.3 6.7 2.9 16.7 100.0 102 231

3.1%2.2% 9,946 44,588 54,534 9,336 51,201 60,537 62,161 62,161 49,495 49,495 1 46,917 36,890 2,361 86,168 37,455 30,392 723 68,570 1 294,760 1,131 295,891 282,238 2,378 284,616 1 48,355 71,910 3,516 123,781 48,910 70,041 1,598 120,549 19,809 13,685 33,494 19,216 9,259 28,475 234 234 215 215 2,493 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 6,620 558 558 676 676 499,597 153,388 20,693 673,678 465,184 151,634 13,958 630,776 1 178.35109.49 18.0413.78 103 232

1.9%2.0% 4,144 37,128 41,272 4,629 45,026 49,655 60,146 60,146 47,443 47,443 1 30,090 20,076 2,252 52,418 18,132 19,169 723 38,024 1 134,115 392 134,507 141,711 1,111 142,822 1 9,816 45,470 55,286 8,662 45,419 947 55,028 16,565 5,055 21,620 13,724 5,055 18,779 17,520 17,520 18,029 18,029 29 29 37 37 1,133 1,133 1,170 1,170 15,307 15,307 14,105 14,105 915 915 1,031 1,031 484 484 626 626 400 400 571 571 290,664 102,674 7,699 401,037 269,870 109,614 7,836 387,320 104 233

1 295,891 284,616 2 390,971 385,117 % % 75.7 73.9 1 20019 2 21730 1 134,507 142,822 2 161,431 174,850 % % 83.3 81.7 1 20019 2 21730 105 234

2,099 2,074 887 12,716 700 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 14,804 399 2,273 742 41,498 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 3,749 935 1,559 327 265 267 13,856 32,164 4,811 4,654 672 1,030 408 338 1,229 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 72,287 201,168 141,261 117,296 62,018 110,753 22,747 41,914 19,346 158,343 673,678 (%) 34.0 12.3 24.4 29.8 17.8 17.9 34.8 45.7 29.9 1,880 1,932 494 11,783 845 2,138 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 8,047 571 3,075 378 26,104 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 1,497 366 561 319 11,445 32,261 3,754 3,747 1,022 845 600 190 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 65,369 192,747 129,821 111,997 69,173 106,406 23,812 40,779 17,495 131,293 630,776 (%) 35.4 17.1 24.0 24.9 21.8 20.0 33.5 49.8 30.6 106 235

1,476 4,994 613 2,122 111 31,956 41,272 (1,476) (534) (463) (1,327) (47) (297) (4,144) 4,451 3,864 381 2,237 241 41,231 52,405 (4,792) (2,574) (458) (1,411) (218) (26,513) (35,966) 2,123 273 2,161 641 559 2,556 8,313 9,049 1,526 2,495 3,973 448 26,095 43,586 2,184 1,456 1,760 3,372 186 3,348 12,306 2,927 9 327 265 262 13,816 17,606 3,938 61 408 336 8,931 13,674 (348) (769) (1,100) (2,217) 10,483 7,549 3,960 6,235 1,094 73,928 103,249 86,214 23,465 21,947 37,860 3,043 228,508 401,037 (%) 12.2 32.2 18.0 16.5 36.0 32.4 25.7 1,915 5,116 808 1,808 55 39,953 49,655 (1,759) (699) (553) (1,213) (53) (352) (4,629) 6,205 2,246 560 3,034 115 25,749 37,909 (2,005) (1,824) (440) (1,681) (58) (23,335) (29,343) 4,102 425 1,906 859 134 2,100 9,526 11,287 1,404 3,617 4,185 337 22,148 42,978 3,086 1,026 2,651 3,437 22 3,959 14,181 4,453 111 366 561 315 11,465 17,271 3,748 267 600 187 6,724 11,526 (75) (15) (808) (1,489) (2,387) 19,670 6,653 5,090 6,992 530 64,774 103,709 111,516 23,462 22,986 36,471 2,565 190,320 387,320 (%) 17.6 28.4 22.1 19.2 20.7 34.0 26.8 107 236

BCBS238 III 110% 120% 3090 30 90 AA-A+ A1 12 108 237

70% 44,309 264 9,961 54,534 6,820 7,376 8,403 4,514 3,612 9,085 13,633 8,718 62,161 1 36,890 21,704 13,349 5,543 5,153 1,647 1,798 84 86,168 1 73,036 29,469 23,541 10,772 11,553 22,549 48,297 76,674 295,891 1 11,496 13,948 12,567 7,252 11,234 21,052 30,355 15,877 123,781 14,677 10,964 2,300 44 316 35 201 22,606 51,143 187,228 83,725 60,160 28,125 31,868 54,368 94,284 133,920 673,678 1 36,084 4,873 1,489 394 177 173 521 716 44,427 1 279,638 48,630 26,473 12,864 10,793 2,574 6,310 3,689 390,971 6,922 7,306 9,608 4,101 3,472 8,725 13,104 9,051 62,289 1 478 291 920 430 19 607 2,981 803 6,529 1 10,114 13,252 11,516 1,422 1,938 1,141 1,992 4,858 46,233 12,759 8,665 3,259 960 432 544 1,099 10,911 38,629 16,364 16,364 6 4,785 17,356 22,147 362,359 83,017 53,265 20,171 16,831 13,770 30,792 47,384 627,589 (175,131) 708 6,895 7,954 15,037 40,598 63,492 86,536 46,089 1 165 166 15 109 238

51,201 9,336 60,537 4,787 5,705 4,365 3,079 2,079 6,762 12,272 10,446 49,495 1 30,392 16,312 6,275 3,514 9,127 1,635 1,125 190 68,570 1 61,261 28,393 21,819 12,678 9,796 20,566 49,221 80,882 284,616 1 8,205 16,578 13,609 7,520 12,912 15,695 31,575 14,455 120,549 9,663 12,602 1,902 602 277 80 207 21,676 47,009 165,509 79,590 47,970 27,393 34,191 44,738 94,400 136,985 630,776 1 32,869 2,541 1,023 114 157 159 438 94 37,395 1 264,949 49,271 29,693 10,605 12,674 6,045 4,828 7,052 385,117 4,887 5,190 4,685 3,355 2,110 6,382 11,925 9,660 48,194 1 279 1,339 1,732 768 213 1,081 1,305 404 7,121 1 7,961 15,862 4,889 2,278 2,723 1,693 1,454 2,725 39,585 9,671 7,273 3,499 1,360 528 715 889 11,580 35,515 15,096 15,096 488 129 955 3,496 17,805 22,873 336,200 81,605 45,521 18,480 19,360 16,075 24,335 49,320 590,896 (170,691) (2,015) 2,449 8,913 14,831 28,663 70,065 87,665 39,880 1 165 166 15 110 239

37,128 4,144 41,272 6,550 7,319 8,189 4,429 3,529 8,706 12,734 8,690 60,146 1 20,076 12,627 9,444 3,688 3,514 1,568 1,417 84 52,418 1 44,064 17,321 12,236 5,100 6,170 10,278 26,392 12,946 134,507 1 2,693 3,103 3,747 2,562 3,601 8,963 20,040 10,577 55,286 14,763 14,763 12,155 8,547 1,450 33 106 7 14 2,813 25,125 17,520 17,520 140,186 48,917 35,066 15,812 16,920 29,522 60,597 54,017 401,037 1 30,578 3,663 1,149 84 106 31 308 47 35,966 1 110,914 25,002 11,456 5,858 3,861 537 3,691 112 161,431 6,685 7,191 9,404 4,111 3,306 8,318 12,267 8,421 59,703 189 189 9,332 11,667 10,855 1,329 1,835 1,129 1,177 2,836 40,160 8,360 4,915 2,266 819 61 153 493 2,777 19,844 33,096 33,096 4,691 15,050 19,741 198,965 52,438 35,130 12,201 9,169 10,168 22,816 29,243 370,130 (58,779) (3,521) (64) 3,611 7,751 19,354 37,781 24,774 30,907 1 167 168 15 111 240

49,655 49,655 4,751 5,118 4,747 2,711 1,791 7,170 10,747 10,408 47,443 1 19,169 7,486 5,178 1,607 1,877 1,503 1,032 172 38,024 1 38,083 15,642 11,615 6,540 3,730 12,282 24,462 30,468 142,822 1 3,317 3,252 5,712 3,388 3,859 6,668 19,079 9,753 55,028 13,571 13,571 8,257 9,816 1,480 100 57 15 14 3,009 22,748 18,029 18,029 141,261 41,314 28,732 14,346 11,314 27,638 55,334 67,381 387,320 1 26,996 1,516 319 41 104 15 329 23 29,343 1 116,062 26,558 14,056 6,472 4,204 4,980 2,269 249 174,850 4,555 5,107 4,527 3,360 1,789 5,693 11,460 9,506 45,997 232 232 7,228 14,993 4,450 1,982 2,688 1,478 1,492 1,285 35,596 6,738 3,518 2,363 980 32 358 203 3,127 17,319 39,244 39,244 585 100 501 98 337 18,486 20,107 201,408 51,792 25,715 13,336 8,915 12,524 16,090 32,908 362,688 (60,147) (10,478) 3,017 1,010 2,399 15,114 39,244 34,473 24,632 1 167 168 15 112 241

136 1 55,193 27,724 18,204 8,491 17,867 21,239 88,092 59,081 295,891 1 36,990 21,855 13,342 5,532 5,072 1,554 1,665 158 86,168 92,183 49,579 31,546 14,023 22,939 22,793 89,757 59,239 382,059 1 35,804 5,063 1,472 427 219 138 597 707 44,427 1 131,684 28,574 16,700 11,055 23,572 115,686 58,868 4,832 390,971 167,488 33,637 18,172 11,482 23,791 115,824 59,465 5,539 435,398 (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 65,130 284,616 1 36,152 13,238 9,299 3,245 3,359 1,196 1,910 171 68,570 92,369 38,339 30,595 19,446 15,768 3,289 88,079 65,301 353,186 1 32,543 2,722 1,139 125 187 304 303 72 37,395 1 123,574 37,998 26,839 11,732 26,521 106,071 43,885 8,497 385,117 156,117 40,720 27,978 11,857 26,708 106,375 44,188 8,569 422,512 (63,748) (2,381) 2,617 7,589 (10,940) (103,086) 43,891 56,732 (69,326) 1 165 166 15 113 242

1 39,961 19,322 12,381 5,203 6,450 10,538 27,295 13,357 134,507 1 20,174 12,698 9,409 3,674 3,513 1,536 1,270 144 52,418 60,135 32,020 21,790 8,877 9,963 12,074 28,565 13,501 186,925 1 30,319 3,774 1,185 119 150 42 344 33 35,966 1 69,509 19,361 11,361 7,194 6,664 4,585 42,746 11 161,431 99,828 23,135 12,546 7,313 6,814 4,627 43,090 44 197,397 (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 30,347 142,822 1 24,803 4,675 3,155 1,233 1,482 1,025 1,484 167 38,024 57,877 20,995 17,246 8,418 6,034 14,267 25,495 30,514 180,846 1 27,030 1,315 436 41 145 160 192 24 29,343 1 57,676 23,096 20,234 7,956 8,607 5,101 52,161 19 174,850 84,706 24,411 20,670 7,997 8,752 5,261 52,353 43 204,193 (26,829) (3,416) (3,424) 421 (2,718) 9,006 (26,858) 30,471 (23,347) 1 167 168 15 114 243

31.2432.41 1 36,084 4,873 1,489 394 177 269 588 729 44,603 1 279,638 48,630 26,473 12,864 10,793 2,820 6,972 4,359 392,549 1 10,592 13,543 12,436 4,020 2,636 1,749 4,973 5,660 55,609 1 8 113 295 300 278 933 7,020 31,325 40,272 12,759 8,665 3,259 960 432 544 1,099 10,911 38,629 339,081 75,824 43,952 18,538 14,316 6,315 20,652 52,984 571,662 1 166 15 1 32,869 2,585 1,062 148 187 237 442 94 37,624 1 264,949 49,271 29,693 10,605 12,674 7,219 5,002 8,021 387,434 1 8,334 17,201 6,627 3,046 3,460 4,029 3,665 3,214 49,576 1 488 292 283 300 1,121 401 5,493 32,424 40,802 9,671 7,273 3,499 1,360 528 715 889 11,580 35,515 316,311 76,622 41,164 15,459 17,970 12,601 15,491 55,333 550,951 1 166 15 115 244

1 30,578 3,663 1,149 84 106 98 381 47 36,106 1 110,914 25,002 11,641 5,858 3,861 643 3,691 112 161,722 1 9,332 11,667 10,855 1,329 1,835 1,129 1,366 3,227 40,740 1 2 107 248 271 248 814 6,571 28,881 37,142 8,360 4,915 2,266 819 61 153 493 2,777 19,844 159,186 45,354 26,159 8,361 6,111 2,837 12,502 35,044 295,554 1 168 15 1 26,996 1,516 319 41 109 82 392 23 29,478 1 116,062 26,558 14,161 6,518 4,204 5,086 2,269 249 175,107 1 7,228 14,993 4,452 1,982 2,785 1,494 1,547 1,554 36,035 1 585 278 231 501 437 870 5,506 28,061 36,469 6,738 3,518 2,363 980 32 358 203 3,127 17,319 157,609 46,863 21,526 10,022 7,567 7,890 9,917 33,014 294,408 1 168 15 116 245

9% 204,012 174,783 149,101 98,972 88,696 110,913 142,221 82,249 1,050,947 230,192 215,322 193,576 45,166 35,069 208,875 13,449 46,977 988,626 325,584 266,494 203,252 122,180 105,289 119,051 146,817 80,627 1,369,294 341,415 252,725 136,670 69,463 58,143 38,734 14,611 92 911,853 117 246

118 247

119 248

120 249

(Prudential Regulation Authority (PRA)) (Financial Conduct Authority (FCA)) 35 37 123 II General Prudential Sourcebook Prudential Sourcebook II (VaR) 121 250

30 50 IV 7% 7% IV PS7/13 IV IV IVIV 122 251

42,089 36,299 (1,500) (1,495) 40,589 34,804 4,000 3,581 (320) (320) 3,680 3,261 70 (97) (728) (495) (20) (77) 1 357 (35) (321) (704) (5,694) (6,954) 50% 2 (869) (966) 50% 2 260 238 50% (92) (118) (2) (42) (6,397) (7,842) 37,551 29,519 1,500 1,495 925 2,577 2,553 320 320 4,397 5,293 50% 2 260 238 50% (537) (552) (277) (314) 41,671 34,498 3 4 22,147 23,084 (925) (2,577) (2,553) (1,640) (1,890) 17,930 17,716 728 495 237 248 965 743 50% 2 (869) (966) 50% (537) (552) 50% (92) (118) (1,498) (1,636) 17,397 16,823 (6) (3) 59,062 51,318 1 2 3 31.6931.47 147.61145.69 4 33 123 252

29,519 26,176 5,700 3,215 4,275 (1,940) (1,473) 1,260 (233) (1,227) 499 (66) (379) (26) 878 1,052 119 (212) 26 (12) (81) 37,551 29,519 4,979 4,922 22 51 15 (31) (925) 29 37 4,120 4,979 16,823 13,665 214 3,268 233 187 (11) 9 97 (263) 15 (31) 26 (12) 17,397 16,823 (6) (3) 59,062 51,318 124 253

15 27 45 S P Bertamini R H MeddingsBertamini Meddings 15 132 18.3913.72 36 33 27 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 125 254

T J Clarke 1 50,398 59,202 R F Goulding 1 57,485 116,886 J P M F Verplancke 1 70,716 80,000 T J Miller 2 193,010 198,157 1 T J Clarke R F Goulding J P M F Verplancke 2 T J Miller 38 TJ Clarke 1,444,266 30% 80,237 423,648 100% 23,536 RF Goulding 1,412,172 30% 78,454 500,670 100% 27,815 JPMF Verplancke 1,476,360 30% 82,020 539,190 100% 29,955 T J Miller 577,170 100% 32,095 TJ Clarke 50,115 217,822 RF Goulding 61,855 259,116 JPMF Verplancke 63,995 246,297 T J Miller 87,746 198,105 126 255

TJ Clarke 1,040 1,463 1,040 2015 2016 RF Goulding 1,429 1,065 1,429 2016 2017 T J Miller 1,040 1,463 1,040 2015 2016 TJ Clarke 61,312 20,232 453 RF Goulding 85,836 28,325 634 JPMF Verplancke 73,574 24,279 543 T J Miller 95,033 31,360 701 14.31 0.6398 127 256

400% 20% 5,410 6,2800.79% 1,5402,140 3,8704,140 128 257

17 34 Association of British Insurers Equator Principles 2 KPMG Audit PlcKPMG Audit Plc KPMG Audit Plc KPMG Audit Plc Annemarie Durbin ZC18 129 258

1. 2. R H Meddings 130 259

132 247 16 3 130 Auditing Practices Board (APB) www.frc.org.uk/auditscopeukprivate John Hughes KPMG Audit Plc 15 Canada Square London E14 5GL 131 260

1 3 17,588 17,827 4 (6,450) (7,051) 11,138 10,776 5 4,594 4,578 5 (488) (503) 6 2,489 2,760 7 991 1,094 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 7,971 10 (1,617) (1,196) 11 (1,000) 11 (129) (196) 226 182 5,979 6,761 12 (1,869) (1,831) 4,110 4,930 37 894 655 3,216 4,275 4,110 4,930 1 46 139 247 132 261

1 4,110 4,930 35 79 (76) (1,208) 568 (35) (73) (15) 4 187 1,054 (248) (336) (83) 133 6 (20) 12 35 (132) (1,282) 1,122 2,828 6,052 37 807 684 2,021 5,368 2,828 6,052 1 46 139 247 133 262

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, 19 290,584 279,638 15, 21 102,379 99,225 15, 22 33,494 28,475 234 215 2,493 2,552 23 1,767 1,684 26 5,694 6,787 27 6,903 6,620 28 558 676 673,678 630,776 15, 29 43,418 36,427 15, 30 381,066 372,874 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 22,873 28 176 161 34 104 215 35 365 491 627,589 590,896 36 17,754 12,054 24,335 24,245 46,089 36,299 37 4,000 3,581 46,089 39,880 673,678 630,776 1 46 139 247 P A Sands R H Meddings 134 263

1 12,054 1,796 40 (39) (13) (1,429) 19,896 32,305 3,145 35,450 4,275 4,275 655 4,930 526 90 495 (18) 2 1,093 29 1,122 (256) (256) 4 451 451 451 22 22 22 (1,473) (1,473) (1,473) (374) (374) (374) 8 8 12,054 1,796 40 487 77 (934) 22,779 36,299 3,581 39,880 3,216 3,216 894 4,110 (27) (60) (1,227) 119 3 (1,195) (87) (1,282) (273) (273) 5,700 5,700 5,700 4 282 282 282 2 2 2 (1,940) (1,940) (1,940) (263) (263) (263) 5 (12) (12) (115) (127) 17,754 1,796 40 460 17 (2,161) 24,183 42,089 4,000 46,089 1 5003,500 2 6,100 3 5,800 4 2.823.747,700 5 36 139 247 135 264

1 5,979 6,761 4,233 3,564 39 4,215 2,530 486 33 39 (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) 156 195 89 30 (46) (63) (1,425) (131) 205 830 21 (142,321) (156,883) (49,668) (40,006) 21 136,928 145,327 48,448 35,714 5 14 991 1,237 (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 60,665 1 46 139 247 136 265

387,320 387,320 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, 19 129,785 137,982 15, 21 43,875 43,615 15, 22 21,620 18,779 17,520 18,029 29 37 1,133 1,170 23 14,763 13,571 23 492 489 23 52 45 26 915 1,031 27 484 626 28 400 571 387,320 387,320 401,037 387,320 15, 29 35,602 28,375 15, 30 157,499 169,882 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 39,244 715 812 2,379 2,501 15, 33 19,741 20,107 28 59 74 34 130 133 35 276 365 362,688 362,688 370,130 362,688 36 17,754 12,054 13,153 12,578 24,632 24,632 30,907 24,632 24,632 24,632 401,037 387,320 139 247 P A Sands R H Meddings 137 266

1 12,054 1,796 40 (68) (17) (207) 9,456 23,054 2,754 2,754 237 90 (80) (58) 189 22 22 2 353 353 (275) (275) (1,473) (1,473) 8 8 12,054 1,796 40 169 73 (287) 10,787 24,632 3,199 3,199 (84) (50) (603) 37 (700) 5,700 5,700 2 2 2 213 213 (203) (203) (1,940) (1,940) 4 4 17,754 1,796 40 85 23 (890) 12,099 30,907 1 5003,500 2 2.132.767,700 36 139 247 138 267

1. (a) 408 30 31 32 120 87 98103 108 121 124 123 124 (b) (c) 50 12 15 26 34 35 38 (d) (e) 13 13 13 6 15 19 19 AA 19 35 10 11 12 2728 10 1127 2812 10 27 12 10 10 139 268

1. 11 31 31 31 PT Bank Permata Tbk (Permata) 11 23 12 23 24 7 15 (f) 32 32 10 1227 3 21 21 9 9 39 9 9 9 9 39 9 9 9 39 140 269

141 12 9 (g) (h) 46 (i) 23 24 23 25 26) (i) 12 (ii) 23 270

1. (j) (k) (l) (m) a) b) c) d) 15 16 17 142 271

1. 15 16 15 16 15 143 272

1. 47 35 36 144 273

145 1. 15 15 15 (n) (1) (2) (3) 274

146 1. 17 17 (o) (p) 2 26 275

1. 50 50 3 15 25 (q) (s) 35 12 28 (r) 147 276

(u) (i)(ii) (iii) 38 (t) 36 148 277

2. 45 5 1 2 3 9 (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) 44 182 226 226 43 139 182 182 1,518 5,696 7,214 (1,235) 5,979 1,745 5,190 6,935 (174) 6,761 138,864 528,328 667,192 6,486 673,678 138,680 484,418 623,098 7,678 630,776 191,501 434,886 626,387 1,202 627,589 187,729 401,801 589,530 1,366 590,896 4 235 1,216 1,451 1,451 204 2,042 2,246 2,246 133 300 433 433 147 259 406 406 537 1,230 1,767 1,767 559 1,125 1,684 1,684 88 212 300 300 100 173 273 273 1 1.06 2 3 4 8.7417.88 5 46 149 278

2. 2,795 2,668 1,293 1,268 1,411 1,526 1,422 1,298 241 261 7,162 7,021 815 838 1,839 1,917 1,624 1,723 3,463 3,640 1 3,744 3,661 752 838 2,512 2,224 276 483 7,284 7,206 1 1.06 11,562 11,684 150 279

2. 8 1 119 (78) (69) 123 84 69 129 (377) 1,679 1,146 1,266 2,250 1,028 1,183 990 1,596 11,138 911 581 237 633 269 473 417 585 4,106 719 308 71 368 162 394 182 285 2,489 719 279 70 352 162 394 182 225 2,383 29 1 16 60 106 291 168 55 89 146 80 28 134 991 3,719 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) 2,045 993 436 1,337 988 1,114 881 705 8,499 (135) (88) (427) (415) (195) (67) (270) (20) (1,617) (4) 10 (1,029) (3) (105) 2 (1,129) 224 2 226 1,906 915 (1,020) 1,143 688 1,047 611 689 5,979 2 905 320 27 27 26 53 45 48 1,451 1 11.09 2 8.742726 1 111 (107) (85) 93 129 84 60 (285) 1,563 1,251 1,421 2,167 919 1,142 917 1,396 10,776 829 551 210 676 304 470 416 619 4,075 657 379 149 580 160 448 158 229 2,760 190 131 159 159 75 88 43 249 1,094 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 1,034 772 1,413 833 1,134 809 200 7,971 (109) (66) (249) (221) (165) (316) (38) (32) (1,196) (7) (2) (8) (157) 9 (32) 1 (196) 181 1 182 1,660 966 515 1,216 677 786 771 170 6,761 2 1,825 232 22 18 22 55 31 41 2,246 1 11.13 2 17.882726 151 280

2. (%) 2.1 2.2 (%) 2.0 2.1 521,270 483,481 464,787 434,552 1 149,358 115,417 55,933 118,362 34,969 47,176 24,897 193,159 (65,593) 673,678 2 61,173 57,540 29,760 54,843 23,019 26,124 13,122 30,310 295,891 114,713 86,070 49,219 101,459 30,111 39,193 20,061 131,665 (51,221) 521,270 1,833 1,070 1,198 2,348 1,114 1,254 1,121 1,200 11,138 (%) 1.6 1.2 2.4 2.3 3.7 3.2 5.6 0.9 2.1 1 1,218.40 2 1 130,543 107,925 62,863 112,400 36,879 46,155 20,856 179,457 (66,302) 630,776 2 53,330 51,318 36,165 54,730 23,994 25,200 11,304 28,575 284,616 107,434 76,689 54,064 98,695 29,796 36,806 18,177 114,756 (52,936) 483,481 1,716 1,144 1,335 2,232 1,050 1,230 976 1,093 10,776 (%) 1.6 1.5 2.5 2.3 3.5 3.3 5.4 1.0 2.2 1 1,083.52 2 152 281

2. 1 9,166 8,654 50 3,376 2,169 10,309 5,465 6,293 45,482 59,348 30,851 19,157 28,230 1,826 4,573 2,429 34,646 181,060 39,476 38,020 12,096 38,175 7,633 12,683 3,985 48,074 200,142 214 1,482 541 1,563 1,557 299 207 2,851 8,714 108,204 79,007 31,844 71,344 13,185 27,864 12,086 91,864 435,398 2,091 4,792 1,479 6,926 459 1,574 566 26,540 44,427 106,113 74,215 30,365 64,418 12,726 26,290 11,520 65,324 390,971 17,875 6,319 25,080 28,655 11,465 2,283 697 92,374 88,238 67,896 5,285 35,763 1,261 24,007 10,823 65,324 298,597 108,204 79,007 31,844 71,344 13,185 27,864 12,086 91,864 435,398 144 4,094 2,043 53 6 189 6,529 2,167 2,621 3,215 3,875 46 214 34,095 46,233 1,359 635 337 24 51 19,741 22,147 111,874 81,628 39,788 77,599 13,231 27,941 12,357 145,889 510,307 15 1 8,178 9,260 49 3,529 2,691 9,223 4,380 4,920 42,230 56,261 28,978 21,368 30,481 2,224 4,159 2,392 27,240 173,103 35,224 37,968 16,989 38,596 7,380 12,367 3,318 49,281 201,123 199 242 595 915 1,636 455 163 1,851 6,056 99,862 76,448 39,001 73,521 13,931 26,204 10,253 83,292 422,512 1,585 2,005 1,769 5,628 441 1,934 540 23,493 37,395 98,277 74,443 37,232 67,893 13,490 24,270 9,713 59,799 385,117 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 59,799 293,192 99,862 76,448 39,001 73,521 13,931 26,204 10,253 83,292 422,512 1,291 4,038 1,485 69 6 232 7,121 5 1,903 1,999 3,617 47 294 31,720 39,585 1,454 871 349 29 62 20,108 22,873 102,612 78,351 45,909 78,972 13,978 26,302 10,615 135,352 492,091 15 153 282

2. 1 6,378 1,353 2,003 9,003 979 5,993 25,709 16,365 3,649 1,604 3,213 425 34,622 59,878 30,594 6,238 7,606 12,237 348 48,073 105,096 1,446 589 1,552 277 2,850 6,714 54,783 11,829 12,765 24,730 1,752 91,538 197,397 4,792 2,574 458 1,411 218 26,513 35,966 49,991 9,255 12,307 23,319 1,534 65,025 161,431 200 4,043 11,314 2,283 17,840 49,791 5,212 993 21,036 1,534 65,025 143,591 54,783 11,829 12,765 24,730 1,752 91,538 197,397 189 189 2,621 2,854 202 34,483 40,160 19,741 19,741 57,404 14,683 12,765 24,730 1,954 145,951 257,487 15 1 9,260 1,171 2,532 8,019 156 4,864 26,002 28,978 3,937 1,665 2,835 694 25,360 63,469 37,968 7,391 7,341 11,811 486 45,523 110,520 242 94 1,629 385 1,852 4,202 76,448 12,593 13,167 23,050 1,336 77,599 204,193 2,005 1,824 440 1,681 58 23,335 29,343 74,443 10,769 12,727 21,369 1,278 54,264 174,850 6,279 3,835 11,248 1,383 22,745 68,164 6,934 1,479 19,986 1,278 54,264 152,105 76,448 12,593 13,167 23,050 1,336 77,599 204,193 232 232 1,903 2,009 261 31,423 35,596 20,107 20,107 78,351 14,602 13,167 23,050 1,597 129,361 260,128 15 154 283

2. 1 931 698 428 537 393 476 3,463 (756) (346) (243) (354) (188) (239) (2,126) (58) (104) (103) (49) (82) (19) (415) 4 1 (8) (3) 146 72 6 224 267 248 154 135 123 216 1,143 35,123 19,484 7,871 25,502 9,541 20,841 118,362 2 15,489 12,178 4,564 13,184 4,126 5,302 54,843 1,888 815 152 673 966 2,432 6,926 20,071 11,923 2,446 19,089 3,691 7,198 64,418 818 274 1,906 66 2,854 5,918 1 (100)4001,200100 2 1,000 744 525 568 391 447 3,675 (759) (339) (223) (367) (192) (382) (2,262) (38) (68) (55) (4) (37) (19) (221) (44) (1) (112) (157) 96 66 19 181 255 337 313 196 162 (47) 1,216 29,710 18,665 8,761 25,831 9,417 20,016 112,400 1 14,353 12,110 5,163 13,609 4,691 4,804 54,730 1,690 948 192 251 849 1,698 5,628 20,536 11,753 2,691 20,014 4,390 8,509 67,893 944 1,971 177 2,010 5,102 1 155 284

2. 1,219 233 275 472 2,199 (574) (154) (91) (266) (1,085) (52) (26) (20) 31 (67) 593 53 164 237 1,047 27,897 4,033 3,824 11,422 47,176 1 15,734 1,623 2,113 6,654 26,124 1,180 162 81 151 1,574 16,765 2,859 2,196 4,470 26,290 53 53 1 1,231 287 225 489 2,232 (570) (170) (87) (271) (1,098) (230) (46) (7) (33) (316) (4) (28) (32) 431 67 131 157 786 26,306 4,284 3,105 12,460 46,155 1 14,366 1,758 1,802 7,274 25,200 1,527 247 10 150 1,934 15,453 2,797 1,935 4,085 24,270 69 69 1 3. 153 159 881 905 1,082 1,202 13,105 13,182 715 781 1,559 1,521 93 77 17,588 17,827 14,898 14,361 2,132 2,411 558 1,055 156 285

4. 383 532 1,008 1,270 3,369 3,529 663 818 73 48 954 854 6,450 7,051 5,856 6,336 594 715 5. 412 378 1,047 875 221 223 117 91 1 80 1,798 1,647 80 87 1,409 1,439 316 230 503 670 2 2,308 2,428 4,106 4,075 15.8415.84 1.621.18 9,8008,300 2,1002,100 157 286

6. 2 1 1,126 1,508 (206) 648 889 428 633 28 2,442 2,612 371 163 (417) (156) (46) 7 97 229 172 (256) 106 (282) 168 93 141 1 2,489 2,760 2 7. 248 336 5 37 104 92 485 347 102 100 15 (49) 158 287

8. 4,976 4,872 160 148 35 336 299 38 282 373 825 793 6,579 6,485 163 14 51,248 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 27,010 440 432 415 406 22 25 877 863 235 174 667 1,801 1,866 2,036 2,707 159 288

8. 0.13% 0.065% 0.156%0.078% 3,1001,100 370380 KPMG Audit PlcKPMG 3.7 3.8 KPMG 10.5 10.7 14.2 14.5 2.6 2.6 1.1 0.9 0.3 0.7 0.4 18.6 18.7 KPMG Audit Plc KPMG Audit Plc KPMG KPMG KPMGKPMG 10 10 KPMG 160 289

9. 108 126 206 148 119 132 228 189 72 84 733 679 10. 1,597 1,230 15 (35) 1,612 1,195 5 5 (4) 1,617 1,196 11. (2) (3) 56 (16) 90 134 144 115 70 1,000 14 36 1,158 221 1 (29) (25) 1 1,129 196 161 290

12. 23.25%24.5% 137 84 2 1 (9) (9) 1,594 1,687 (37) (4) 1,687 1,759 167 64 15 8 182 72 1,869 1,831 31.3% 27.1% 24% 23% 23.25% 16.5%16.5%2.421.89 16.5%16.5%100 300 23.25% 5,979 6,761 23.25%24.5% 1,390 1,657 (244) (279) (329) (338) 480 386 (20) 5 232 429 432 (69) (32) 1,869 1,831 162 6 39 45 (40) (87) (127) 11 11 (19) (19) (21) (21) 14 14 6 29 35 (40) (92) (132) 3 (1) 2 14 8 22 3 (1) 2 14 8 22 9 28 37 (26) (84) (110) 291

13. 14.00 11.38 1,839 1,372 5 8.125% 1,2 75 75 5 7.014% 3 53 53 5 6.409% 3 48 48 1 2 33 3 14. P A Sands 1,680 1,703 225 385 2,500 3,150 1,561 4,984 874 792 6,840 11,014 R H Meddings 1,250 1,268 104 96 1,725 2,160 1,063 3,067 638 536 4,780 7,127 S P Bertamini 1,000 1,000 1,242 1,500 1,250 1,750 837 2,585 400 387 4,729 7,222 A M G Rees 1,149 1,165 101 85 6,500 9,000 1,244 3,680 516 736 9,510 14,666 J S Bindra 835 832 987 1,067 1,400 1,750 747 2,300 482 450 4,451 6,399 V Shankar 871 871 525 477 1,490 1,950 566 1,533 348 348 3,800 5,179 T J Clarke 733 713 33 34 925 1,100 453 1,150 363 207 2,507 3,204 J P M F Verplancke 809 799 726 332 1,150 1,400 543 1,533 243 240 3,471 4,304 R F Goulding 860 871 34 48 975 1,300 634 1,917 258 276 2,761 4,412 T J Miller 821 832 83 82 375 1,500 701 2,300 418 370 2,398 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%) 163 292

14. 14.31 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 60 164 293

15. 54,534 54,534 1 2,221 246 2,467 1 4,411 896 5,307 16 5,161 5,161 16 12,407 292 12,699 16 2,773 769 3,542 26,973 2,203 29,176 17 60,124 2,037 62,161 1 18 83,701 83,701 1 19 290,584 290,584 21 26,246 26,246 21 70,545 2,676 73,221 21 2,912 2,912 99,703 2,676 102,379 22 26,350 7,144 33,494 87,097 2,037 2,203 99,703 457,845 7,144 656,029 60,537 60,537 1 677 97 774 1 4,793 185 4,978 16 2,955 2,955 16 14,882 333 15,215 16 2,140 1,014 3,154 25,447 1,629 27,076 17 48,135 1,360 49,495 1 18 67,796 67,796 1 19 279,638 279,638 21 26,740 26,740 21 65,356 3,851 69,207 21 3,278 3,278 95,374 3,851 99,225 22 21,406 7,069 28,475 73,582 1,360 1,629 95,374 433,228 7,069 612,242 1 28 120 165 294

15. 1,009 1,009 9,905 9,905 6,823 6,823 5,293 5,293 5,293 17,737 23,030 17 61,375 914 62,289 29 43,418 43,418 30 381,066 381,066 31 45,939 45,939 32 21,897 5,464 27,361 33 22,147 22,147 66,668 914 17,737 514,467 5,464 605,250 968 968 12,243 12,243 5,261 5,261 4,592 4,592 4,592 18,472 23,064 17 47,461 733 48,194 29 36,427 36,427 30 372,874 372,874 31 41,445 41,445 32 19,547 4,742 24,289 33 22,873 22,873 52,053 733 18,472 493,166 4,742 569,166 166 295

15. 41,272 41,272 1 2,221 246 2,467 1 3,897 825 4,722 16 2,276 2,276 16 6,543 6,543 16 2,544 48 2,592 17,481 1,119 18,600 17 58,401 1,745 60,146 1 18 49,951 49,951 1 19 129,785 129,785 21 6,037 6,037 21 35,242 1,801 37,043 21 795 795 42,074 1,801 43,875 22 17,369 4,251 21,620 75,882 1,745 1,119 42,074 240,178 4,251 365,249 49,655 49,655 1 677 97 774 1 4,769 71 4,840 16 721 721 16 8,925 8,925 16 1,767 1,767 16,859 168 17,027 17 46,121 1,322 47,443 1 18 37,250 37,250 1 19 137,982 137,982 21 8,805 8,805 21 31,782 2,271 34,053 21 757 757 41,344 2,271 43,615 22 12,715 6,064 18,779 62,980 1,322 168 41,344 239,873 6,064 351,751 1 28 120 167 296

15. 364 364 3,932 3,932 3,664 3,664 2,224 2,224 2,224 7,960 10,184 17 59,090 613 59,703 29 35,602 35,602 30 157,499 157,499 31 36,685 36,685 32 11,833 2,228 14,061 33 19,741 19,741 61,314 613 7,960 261,360 2,228 333,475 968 968 4,968 4,968 3,869 3,869 1,696 1,696 10,256 1,245 11,501 17 45,315 682 45,997 29 28,375 28,375 30 169,882 169,882 31 31,959 31,959 32 9,318 2,420 11,738 33 20,107 20,107 55,571 682 1,245 259,641 2,420 319,559 13 168 297

15. 13 4.213.49 69 80 1 187 133 15 10 84 73 66 53 421 349 1 169 298

15. 176 178 181 170 299

15. 171 300

15. 244 2,223 2,467 4,587 720 5,307 4,904 257 5,161 6,596 5,944 159 12,699 6,396 1,220 7,616 79 3,211 159 3,449 121 1,513 1,634 2,797 745 3,542 323 61,240 598 62,161 56 42,301 366 42,723 16,013 53 16,066 267 2,104 2,371 573 13 586 249 166 415 22,701 3,526 19 26,246 24,447 45,490 608 70,545 14,515 5,451 64 20,030 6,480 7,311 493 14,284 3,452 32,728 51 36,231 1,635 8 1,269 2,912 63,647 123,275 4,118 191,040 1,009 1,009 9,897 8 9,905 7 6,777 39 6,823 4,917 376 5,293 4,924 18,059 47 23,030 420 61,428 441 62,289 84 42,791 315 43,190 15,863 24 15,887 336 1,500 1,836 874 874 400 102 502 5,344 79,487 488 85,319 172 301

15. 97 677 774 4,068 910 4,978 2,812 143 2,955 8,523 6,516 176 15,215 8,286 1,482 4 9,772 132 2,683 172 2,987 105 2,351 2,456 2,029 1,125 3,154 260 48,749 486 49,495 41 25,125 401 25,567 20,364 9 20,373 219 2,151 2,370 824 6 830 285 70 355 22,781 3,901 58 26,740 20,771 44,189 396 65,356 11,809 3,419 87 15,315 4,516 7,853 266 12,635 4,446 32,917 43 37,406 1,307 13 1,958 3,278 58,580 108,256 5,109 171,945 968 968 68 12,175 12,243 5,147 114 5,261 4,320 272 4,592 4,388 18,562 114 23,064 383 47,248 563 48,194 72 25,247 411 25,730 19,445 33 19,478 311 1,173 1,484 1,120 10 1,130 263 109 372 4,771 65,810 677 71,258 173 302

15. 246 2,221 2,467 4,002 720 4,722 2,240 36 2,276 2,619 3,754 170 6,543 2,536 1,026 3,562 78 1,922 170 2,170 5 806 811 2,592 2,592 324 59,286 536 60,146 57 40,858 366 41,281 15,340 47 15,387 267 2,096 2,363 549 13 562 443 110 553 4,666 1,371 6,037 12,090 22,833 319 35,242 4,154 5,794 9,948 5,850 2,895 268 9,013 2,086 14,144 51 16,281 688 2 105 795 25,465 93,505 1,850 120,820 364 364 3,932 3,932 3,625 39 3,664 1,843 381 2,224 1,843 8,302 39 10,184 418 58,908 377 59,703 82 41,517 319 41,918 14,584 9 14,593 336 1,497 1,833 842 842 468 49 517 2,261 67,210 416 69,887 174 303

15. 97 677 774 3,930 910 4,840 686 35 721 4,336 4,417 172 8,925 4,223 1,442 5,665 103 1,449 172 1,724 10 1,526 1,536 1,767 1,767 257 46,752 434 47,443 38 23,767 400 24,205 19,764 1 19,765 219 2,102 2,321 793 6 799 326 27 353 7,522 1,283 8,805 10,889 20,538 355 31,782 4,152 2,418 166 6,736 569 3,118 58 3,745 6,168 15,002 131 21,301 675 5 77 757 26,229 77,637 1,948 105,814 968 968 68 4,900 4,968 3,755 114 3,869 1,424 272 1,696 1,492 9,895 114 11,501 380 45,197 420 45,997 69 24,114 365 24,548 18,493 3 18,496 311 1,169 1,480 1,094 10 1,104 327 42 369 1,872 55,092 534 57,498 175 304

15. 910 176 1,125 486 58 396 1,958 5,109 (89) 63 66 37 (18) 49 108 (23) (26) (49) 18 265 86 6 131 506 (30) (711) (11) (36) (59) (818) (1,665) (103) (38) (50) (3) (100) (294) (44) (1) (56) (25) (126) 2 14 51 462 529 720 159 745 598 19 608 1,269 4,118 (86) 3 16 24 3 (40) 293 566 276 49 745 1,418 3,347 9 313 (48) 48 (13) 309 (56) 133 77 22 310 336 42 134 525 1,369 (5) (64) (13) (199) (71) (352) (27) (97) (60) (17) (23) (224) (96) (7) (33) (261) (16) (413) 937 50 2 2 5 996 910 176 1,125 486 58 396 1,958 5,109 (10) 195 (30) (14) 141 176 305

15. 910 172 434 355 77 1,948 (89) 26 (1) (64) (29) 15 (14) 32 86 11 14 143 (30) (11) (91) (132) (103) (19) (50) (2) (174) (56) (56) 2 15 51 131 199 720 170 536 319 105 1,850 (86) 2 12 (72) 241 1 269 509 66 1,086 9 (1) (31) (23) (89) 1 (88) 22 334 133 18 507 (95) (13) (199) (307) (27) (7) (120) (1) (155) (5) (8) (13) 937 2 2 941 910 172 434 355 77 1,948 (10) (8) (18) 177 306

15. 114 563 677 172 184 356 3 54 57 (43) 80 37 1 1 9 506 (1) 514 50 324 374 (3) (490) (144) (637) (28) (25) (53) (99) (30) (129) (37) (37) 2 5 (3) 4 8 39 440 487 114 563 677 4 37 41 3 44 47 114 420 534 172 93 265 3 41 44 (42) 38 (4) 3 506 2 511 50 323 373 (3) (490) (93) (586) (28) (117) (145) (99) (99) (38) (1) (39) 5 7 12 84 84 39 377 416 114 420 534 4 4 3 43 46 178 307

15. 1 2 720 8 8.75% 22.78% 14% 410 5.2% 36.0% 8.1% 40% 97% 1.49% 4.01% 4.3% 293 16.8% 16.8% 2.6% 8.5% 5% 83 0.6% 3.0% 1% 39 40% 97% 8.75% 22.78% 14% 366 315 0.17% 7.2% 0.2% -67.0% 94.0% 78.6% 53 24 0.1% 13.4% 5.2% 97.9% 98.3% 98.1% 13 80% 80% 0.6% 3.0% 1.1% 25% 25% 166 102 40% 99% 2,014 7.3 15.2 8.7 2.6 2.6 9.0 29.1 17.4% 10.0% 30.0% 13.8% 4,118 488 1 2 179 308

15. 180 309

15. 159 162 156 608 628 587 745 820 671 1,269 1,396 1,142 19 19 19 712 738 687 157 269 111 (39) (39) (39) 1,734 1,950 1,586 1,896 2,043 1,748 176 180 171 396 401 385 1,125 1,237 1,013 1,958 2,167 1,759 58 58 58 910 924 896 (77) 2 (154) (114) (114) (114) 2,020 2,229 1,812 2,412 2,626 2,202 181 310

15. 170 173 166 319 399 299 105 116 74 720 749 698 159 273 112 (39) (39) (39) 1,010 1,156 937 424 515 373 172 176 168 355 363 348 77 85 69 910 924 869 14 28 (114) (114) (114) 982 986 951 432 448 417 182 311

15. 7 10% 2.16 2.09 1.472.14 1.482.08 1.48 2.101.46 4009101,600 7,3003,1005,100 1,500 183 312

15. 13 184 313

15. 1 54,534 54,534 54,534 83,701 2 83,407 177 83,586 290,584 3,626 286,727 290,353 2,676 2,661 73 2,734 1 26,350 26,183 167 26,350 457,845 2 170,411 287,144 457,557 43,418 12 43,406 43,418 381,066 682 380,610 381,292 45,939 365 45,673 46,038 22,147 19,238 2,512 21,750 1 21,897 201 21,695 8 21,904 514,467 20,498 493,896 8 514,402 1 60,537 60,537 67,796 67,761 279,638 278,672 3,851 3,803 1 21,406 21,406 433,228 432,179 36,427 35,961 372,874 371,702 41,445 40,906 22,873 23,833 1 19,547 19,547 493,166 491,949 1 185 314

15. 1 41,272 41,272 41,272 49,951 49,889 13 49,902 129,785 3 5,680 124,177 129,860 1,801 1,351 1,351 1 17,369 17,397 17,397 240,178 3 115,589 124,190 239,782 35,602 35,602 35,602 157,499 157,951 157,951 36,685 189 37,113 37,302 19,741 19,210 19,210 1 11,833 11,861 8 11,869 261,360 19,399 242,527 8 261,934 1 49,655 49,655 37,250 37,239 137,982 137,650 2,271 2,226 1 12,715 12,715 239,873 239,485 28,375 28,377 169,882 170,033 31,959 31,882 20,107 20,938 1 9,318 9,318 259,641 260,548 1 186 315

15. % 46 46 5 1 6 8.8 123 183 179 20 12 6.0 214 486 520 12 21 5.5 626 715 745 25 12 39 46 46 7 1 6 614 647 12.40 20 33 1 85 85 5 1 10 4.1 195 550 532 34 28 5.0 609 673 661 45 26 5.3 826 1,308 1,278 39 45 64 81 81 5 1 8 924 896 68 45 43 1 187 316

15. % 46 46 5 1 6 8.8 124 183 179 20 12 6.2 212 486 520 12 21 5.5 626 715 745 25 12 39 46 46 7 1 6 128 127 12 20 33 % 83 83 5 1 10 6.0 195 548 529 34 28 5.0 609 673 661 45 26 5.3 826 1,304 1,273 39 45 64 81 81 5 1 8 924 896 68 45 43 1 188 317

15. 391 256 647 1,706 1,163 2,869 2,714 2,714 257 1,547 1,804 2,354 1,419 4,261 8,034 4,330 1,732 6,062 62 424 486 522 590 1,112 1,780 1,780 97 1,281 1,378 681 1,014 3,061 4,756 1,338 1,917 3,255 189 318

15. 12,887 7,759 4,538 2,900 17,425 10,659 17,835 10,949 15,906 10,517 1,804 1,378 24 779 778 1,321 1,319 502 502 1,093 1,093 277 276 228 226 190 319

15. 2,362 2,362 2,362 2,362 3,453 1,712 5,165 62 363 425 522 522 1,780 1,780 97 1,049 1,146 681 363 2,829 3,873 510 1,891 2,401 191 320

15. 9,238 6,575 3,647 1,712 12,885 8,287 13,221 8,118 13,178 7,963 1,673 1,146 40 40 54 54 39 39 52 52 1 1 2 2 192 321

15. 32 32 (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) 142 66,454 (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) 8,053 193 322

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) 8,043 194 323

16. 11.422.82 10.711.68 (330) 20 340340 7,763 76 7,839 292 457 749 4,111 12,699 144 21 165 8,017 2,741 1,646 12,404 4,538 780 3,515 8,833 12,699 3,542 5,161 21,402 8,161 2,762 1,646 12,569 10,174 131 10,305 255 1,723 1,978 2,932 15,215 467 23 490 9,086 2,081 949 12,116 5,662 1,050 2,006 8,718 15,215 3,154 2,955 21,324 9,553 2,104 949 12,606 195 324

16. 3,556 72 3,628 64 341 405 2,510 6,543 144 20 164 3,798 2,524 1,211 7,533 2,601 48 1,065 3,714 6,543 2,592 2,276 11,411 3,941 2,545 1,211 7,697 5,553 77 5,630 115 1,511 1,626 1,669 8,925 256 23 279 4,305 1,744 427 6,476 4,364 294 4,658 8,925 1,767 721 11,413 4,561 1,768 428 6,757 (9,600) 2.56 1,000 (5.96) 3,100 O (4.90)O 1,200 196 325

17. 1 1,303,103 17,214 17,490 1,220,806 11,635 12,697 1,099,374 25,209 25,529 862,684 13,932 13,033 340 8,772 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 18,682 236,646 771 644 145,020 1,266 796 694,212 306,054 2,915,559 16,366 16,058 1,922,351 20,373 19,478 40,981 586 875 61,186 830 1,130 15,684 415 501 12,223 355 372 162,858 2,371 1,836 138,642 2,370 1,484 5,537,899 62,161 62,289 4,226,664 49,495 48,194 1 1,396,517 17,891 19,048 1,303,259 11,934 13,514 1,017,313 23,390 22,870 788,787 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 17,827 230,455 707 579 137,459 1,153 669 692,059 300,888 2,760,535 15,387 14,593 1,762,904 19,765 18,496 40,369 562 842 59,440 799 1,104 17,372 553 517 13,607 353 369 159,105 2,363 1,833 138,893 2,321 1,480 5,391,211 60,146 59,703 4,075,219 47,443 45,997 1 32 40 100 197 326

17. 39 145 1 1 41,598 756 589 19,173 109 524 199 7 427 9 22,026 1,190 169 18,396 1,143 117 63,823 1,953 758 37,996 1,252 650 20,564 22 19 17,033 33 17 2,150 42 38 2,066 52 1 7,169 20 15 8,955 23 13 29,883 84 72 28,054 108 31 981 84 671 52 94,687 2,037 914 66,721 1,360 733 1 23,809 958 199 24,850 1,214 606 8,211 682 236 1,705 18 3 227 2 1 427 9 32,247 1,642 436 26,982 1,232 618 12,966 7 8,355 19 6 397 5 2,066 52 1 4,095 96 88 3,475 19 5 17,458 103 93 13,896 90 12 981 84 671 52 50,686 1,745 613 41,549 1,322 682 1 198 327

17. 4.171.56 3.711.63 5.63 7,700 5.081.02 6002,000500 1,600100 400 963 233 1,649 6 2 2,853 (986) (259) (1,862) (4) (1) (3,112) (23) (26) (213) 2 1 (259) 3,533 292 174 2 4,001 (5,229) (577) (177) (3) (2) (5,988) (1,696) (285) (3) (1) (2) (1,987) 83 145 1,563 5 2 1,798 (85) (159) (1,771) (2) (1) (2,018) (2) (14) (208) 3 1 (220) 26 16 86 128 (1,655) (296) (88) (2,039) (1,629) (280) (2) (1,911) 199 328

18. 86,270 68,675 52,441 38,049 (100) (103) (22) (24) (2) (2) (1) (1) 86,168 68,570 52,418 38,024 15 (2,467) (774) (2,467) (774) 83,701 67,796 49,951 37,250 41 19. 299,336 287,668 136,359 144,429 (2,749) (2,330) (1,582) (1,301) (696) (722) (270) (306) 295,891 284,616 134,507 142,822 15 (5,307) (4,978) (4,722) (4,840) 290,584 279,638 129,785 137,982 126167 233 214 41 84 200 329

20. 395 576 142 178 1,945 2,248 1,031 2,097 2,340 2,824 1,173 2,275 6.67 8.41 6.037.66 72 116 45 66 199 370 52 88 214 188 98 65 485 674 195 219 (90) (98) (53) (41) 395 576 142 178 59 98 37 58 166 332 36 73 170 146 69 47 27 48.9744.22 528 480 1,459 1,201 1,667 1,523 3,654 3,204 201 330

21. 26,111 928 27,039 6,476 24,897 42 31,373 42 12,133 2,634 70,545 2,676 5,563 113 1 65 5,741 26,091 619 1 1,545 10,480 38,735 38,891 1,944 1,302 15,766 57,903 70,545 2,676 2,912 26,246 102,379 31,654 731 1,610 10,480 44,475 23,059 390 1,229 24,288 390 5,974 24,195 114 30,169 114 10,899 3,347 65,356 3,851 6,858 173 1 70 7,101 22,816 878 1 1,104 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 44,893 1 202 331

21. 8,750 43 8,793 1,424 15,738 39 17,162 39 9,287 1,762 35,242 1,801 4,107 12 1 53 4,172 11,886 17 1 636 2,186 14,725 19,249 1,772 106 3,851 24,978 35,242 1,801 795 6,037 43,875 15,993 27 689 2,186 18,895 8,238 390 43 8,281 390 1,713 13,370 562 15,083 562 8,418 1,319 31,782 2,271 5,274 26 1 38 5,338 11,087 933 1 638 4,075 16,733 15,421 1,312 81 4,730 21,544 31,782 2,271 757 8,805 43,615 16,361 914 676 4,075 22,026 1 203 332

21. 69,207 3,278 26,740 99,225 60,975 2,543 21,428 84,946 (1,834) (9) (563) (2,406) 678 14 627 1,319 92,967 (183) 49,537 142,321 111,322 783 44,778 156,883 (86,936) (316) (49,676) (136,928) (104,558) (217) (40,552) (145,327) (60) (61) (121) 24 (109) (85) (91) 203 (29) 83 727 264 56 1,047 (32) 237 205 39 403 442 73,221 2,912 26,246 102,379 69,207 3,278 26,740 99,225 6.046.07 4.254.43 6,7005,400 3,7003,800 34,053 757 8,805 43,615 30,935 673 6,808 38,416 (807) (4) (347) (1,158) 7 2 91 100 38,203 14 11,451 49,668 27,248 29 12,729 40,006 (34,392) (1) (14,055) (48,448) (24,635) (35) (11,044) (35,714) (6) (6) 1 (6) (5) (7) 29 2 24 495 94 4 593 (1) 181 180 2 217 219 37,043 795 6,037 43,875 34,053 757 8,805 43,615 4.424.23 3.283.47 5,8004,200 200100 204 333

21. 27 33 23 28 (1) (1) (5) (2) (4) (2) 5 (4) 6 (4) 26 27 24 22 22. 15 32 1 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 1,623 2 43 47 1 1,556 1,452 239 489 33,494 28,475 21,620 18,779 1 2 15.63Standard Chartered Capital (Korea) Company Limited Standard Chartered Savings Bank Korea Company Limited 11 102 4,2002,500 1,421 4 1 19 3 2 1,563 319 6 9 10 344 11 205 334

23. 13,571 14,270 1,425 131 (205) (830) (28) 14,763 13,571 % Standard Chartered Bank Korea Limited 100 Standard Chartered Bank Malaysia Berhad 100 Standard Chartered Bank (Pakistan) Limited 98.99 100 51 1 100 Standard Chartered Bank (Singapore) Limited 100 Standard Chartered Bank (Thai) Public Company Limited 99.99 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% 9,8008,2002.61% 0.38% PT Bank Permata Tbk (Permata) 44.56% 44.56%Permata 47 731 617 489 396 (152) (42) 9 90 3 93 73 66 (5) 656 731 492 489 206 335

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 1,288 650 646 1,147 978 (655) (467) (434) (390) (5) (18) (52) 216 204 (53) (56) 163 148 1,833 2,433 (7,257) (10,693) (4,050) (812) (33) 13 130 161 1,184 1,288 529 574 127 157 656 731 207 336

23. 953 903 45 53 10 14 10 4 7 2 153 116 1 (5) (14) (1) (10) (70) (10) 1,111 953 52 45 777 609 6 5 96,596 79,637 512 114 (91,807) (75,770) (328) (26) 4,789 3,867 184 88 4,789 3,867 914 740 296 296 (135) (135) 36 52 1,111 953 % 19.9 Fleming Family and Partners 20.0 15.0 1.041.1120% 208 337

24. 1 30 779 1,321 4,896 4,421 1,326 1,681 7,001 7,423 (a) (b) AAA 209 338

24. 87 119 158 277 160 191 351 146 22 146 156 21 177 44 6 5,202 5,274 43 7 2,786 2,836 32 1,196 1,228 13 1,574 1,587 44 303 22 6,556 6,925 43 336 21 4,551 4,951 1 375 375 375 375 1,280 1,196 262 457,447 460,185 1,267 1,671 259 316,042 319,239 1 1.451.45 3,3003,300 25. Absa Bank3,600 1,600 Credit Agricole Corporate and Investment BankCredit Agricole Yatirim Bankasi Turk A.S. (CAYBT) 100%6,300 2,600 210 339

26. 5,966 891 922 7,779 5,774 874 806 7,454 (187) (15) (15) (217) 158 14 38 210 16 35 51 34 3 37 372 372 294 294 (1,000) (175) (1,175) (218) (218) (2) (2) 2 2 4,795 911 1,102 6,808 5,966 891 922 7,779 662 330 992 563 340 903 (6) 1 (5) 15 16 31 72 228 300 84 189 273 (173) (173) (215) (215) 728 386 1,114 662 330 992 4,795 183 716 5,694 5,966 229 592 6,787 57.743.11 4.66 10.696,900 10 487 129 741 1,357 466 126 668 1,260 (8) (5) (25) (38) 13 35 48 16 36 52 8 3 11 289 289 243 243 (223) (223) (159) (159) (205) (205) 272 160 846 1,278 487 129 741 1,357 100 226 326 75 252 327 (2) (8) (10) 13 13 19 187 206 25 163 188 (159) (159) (202) (202) 117 246 363 100 226 326 272 43 600 915 487 29 515 1,031 4.665,100 4.16 211 340

26. 9 18 118 122 43 29 54 86 2 3 183 229 43 29 Korea First Bank Standard Chartered Bank Korea LimitedUnion Bank Standard Chartered Bank (Pakistan) LimitedStandard Chartered Bank (Taiwan) Limited Pembroke Harrison LovegroveKorea First Bank (KFB) 794 16.5 3.9 1,850 16.4 3.9 249 25.9 4.4 270 19.0 3.5 1,313 18.6 4.4 1,348 16.3 4.8 494 15.8 1.4 494 15.8 1.8 324 17.7 6.5 364 16.8 6.8 368 19.1 4.1 368 20.4 4.0 315 16.4 4.7 331 16.1 5.0 396 14.5 1.4 396 15.2 1.8 75 15.8 1.4 77 15.9 1.8 221 11.2 3.8 228 12.6 3.8 246 12.4-15.8 1.4-7.4 240 15.6-17.0 1.8-7.5 4,795 5,966 212 341

26. 20 10 GE Money GE Singapore 148 148 228 124 111 272 487 GE Money Singapore 2.28 213 342

27. 2,544 818 4,809 8,171 2,525 800 3,021 6,346 (44) (29) (73) 56 9 65 77 128 874 1,079 72 90 1,788 1,950 2 2 (126) (117) (218) (461) (111) (81) (192) (60) (3) (63) 2,391 797 5,465 8,653 2,544 818 4,809 8,171 565 599 387 1,551 516 540 239 1,295 (6) (21) (27) 9 6 15 108 119 206 433 126 132 148 406 (67) (115) (25) (207) (86) (79) (165) 600 582 568 1,750 565 599 387 1,551 1,791 215 4,897 6,903 1,979 219 4,422 6,620 20.092.6027.82 1.511.73 900 700 639 289 928 666 285 951 (36) (15) (51) (3) (3) 15 54 69 22 39 61 (40) (72) (112) (46) (35) (81) (58) (8) (66) 520 248 768 639 289 928 123 179 302 118 148 266 (4) (9) (13) 34 57 91 44 65 109 (27) (69) (96) (39) (34) (73) 126 158 284 123 179 302 394 90 484 516 110 626 5.48 1.37 1.601.73 600 500 214 343

28. 128 (28) 94 194 (154) 11 (87) (230) (476) 11 43 (422) 86 (9) (5) (39) 33 17 (1) (3) (11) 2 (105) 2 10 21 (72) (80) - 8 1 (71) 69 (14) 7 122 184 (515) (28) 7 182 (28) (382) (47) 16 159 128 18 20 (192) (154) (431) (15) (30) (476) (4) 2 1 87 86 (1) 1 - (2) 19 17 (102) (1) 12 (14) (105) (88) (2) 18 (8) (80) (32) (2) 103 69 (688) 17 72 84 (515) 194 (27) 221 128 (15) 143 (230) (219) (11) (154) (322) 168 (422) (311) (111) (476) (403) (73) 33 18 15 86 51 35 2 2 17 14 3 (72) (70) (2) (105) (100) (5) (71) (63) (8) (80) (67) (13) 184 112 72 69 166 (97) (382) (558) 176 (515) (676) 161 215 344

28. 12 (6) 35 41 (230) 22 (63) (271) (303) 9 70 (224) 38 - (5) (13) 20 15 1 (3) (6) 7 (78) - 8 16 (54) (62) - 23 1 (38) 111 (11) 7 71 178 (497) 15 7 136 (2) (341) (10) 3 19 12 (94) 3 (139) (230) (267) 3 (39) (303) 5 (1) 1 33 38 (5) 20 15 (75) (1) 12 (14) (78) (58) 4 (8) (62) 37 8 66 111 (467) 15 (76) 31 (497) 41 (15) 56 12 (37) 49 (271) (270) (1) (230) (245) 15 (224) (224) (303) (303) 20 16 4 38 30 8 7 7 15 13 2 (54) (54) (78) (77) (1) (38) (30) (8) (62) (62) 178 170 8 111 110 1 (341) (400) 59 (497) (571) 74 216 345

28. 21%20% 2,800 3.825.15 4.22 1.73 13 1.1 25 4,400 10 3,500 12 (328) (316) (165) (186) (85) 36 (85) 36 106 112 85 84 (506) (496) (506) (496) 29. 43,418 36,427 35,602 28,375 15 1,009 968 364 968 44,427 37,395 35,966 29,343 30. 381,066 372,874 157,499 169,882 15 9,905 12,243 3,932 4,968 390,971 385,117 161,431 174,850 49.5628.62 5.491.58 217 346

31. 10 10 21,082 24,857 45,939 16,982 24,463 41,445 15 141 6,682 6,823 165 5,096 5,261 21,223 31,539 52,762 17,147 29,559 46,706 10 10 18,062 18,623 36,685 15,463 16,496 31,959 15 3,664 3,664 3,869 3,869 18,062 22,287 40,349 15,463 20,365 35,828 32. 15 1 4,460 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 9,318 2 344 - - 5,120 4,742 2,228 2,420 27,361 24,289 14,061 11,738 1 44.6041.9122 2 3.44Standard Chartered Capital (Korea) Company Limited Standard Chartered Savings Bank Korea Company Limited 11 22 218 347

33. 7.55.875%2020 789 847 1.27268.2%2022 15 16 7,500 2017(2013 10 7,000 20212016 8 9 5,000 20222017 6 6 3,000 7.05%20192014 284 280 2,700 4.67% 20212016 256 252 2,600 6.08% 20182013 244 900 6.05% 2018 95 95 25 2022 2017 24 26 10 2013 3 7.54.15%2021 2016 570 607 1002.9%2019 2014 337 349 10011%2021 2015 6 6 400 13%20202015 16 16 2,406 2,766 7 7.75%2018 1,291 1,353 6.75 5.375%2020 727 781 6 8.103%2016 1,128 1,177 3 6.0%2018 2013 488 2 7.75%2022 410 446 11 5.875%2017 1,704 1,706 6.752018 2013 890 20 2023 2,000 182014 1,800 1,800 16 2022 2017 1,600 1,600 159.5%2014 1,542 1,582 13 20212016 1,300 1,300 12.5 20222017 1,250 1,250 106.4%2017 1,134 1,188 10 2022 1,000 1,000 9.6 2022 960 960 7 8.0%2031 592 675 5 2043 500 1 2018 2013 100 100 3.35% 2023 2018 101 128 4.55.25%2023 2018 380 408 4 57 57 3 2 81 81 4 3 83 83 2 4 51 51 1.5 50 50 9.258.125% 2013 953 19,741 20,107 22,147 22,873 219 348

33. 6,557 3,556 1,704 2,060 5,245 4,245 1,706 2,401 8,182 50 38 8,282 50 890 54 14,739 3,606 1,704 2,098 13,527 4,295 2,596 2,455 20 5 Standard Chartered Bank (Botswana) Limited 7,500 3 6.0% Standard Chartered (Pakistan) Limited 10 1 6.75 Standard Chartered Bank Korea Limited2,600 6.08% 9.258.125% 11PT Bank Permata Tbk (Permata) 2,2009.75%2021 2016 7,0008.9%2019 17,50011.0%2018 18,0009.4%2019 220 349

34. 30 185 215 (2) (2) 20 20 (8) (121) (129) 22 82 104 112 21 133 (1) (1) 8 9 17 (1) (18) (19) 119 11 130 35. 341 470 24 21 365 491 491 507 (1) 15 336 299 (79) 76 (382) (406) 365 491 119 96 217 203 8 336 299 221 350

35. 50 19 60 Faculty of Actuaries Towers Watson A Zegleman 3,500 1.10 36% 80% 15 15 5,000 222 351

35. 1 2 % % % % 3 2.40 2.30 1.50 5.00 1.50 4.50 2.40 2.30 2.40 6.50 2.10 6.00 2.40 2.30 1.75 3.40 1.75 3.00 4.50 4.50 1.70 9.40 0.70 8.40 1 60 28 2829 29 4060 30 3031 31 2 85% 3 25 6,500 256,500 25 700 5,000 4 5 % % % % 2.50 2.50 2.50 5.00 3.00 5.00 4.00 4.00 2.40 6.50 2.30 6.00 0.00 2.40 0.00 2.30 5.10 4.20 4.50 9.40 4.20 8.40 8% 9% 1% 1% 5% 5% 4 5 223 423 304 382 254 696 155 698 151 285 68 374 78 78 11 58 8 350 215 190 173 1,832 753 1,702 664 6 (1,855) (875) (26) (170) (1,795) (854) (28) (159) (23) (122) (26) (170) (93) (190) (28) (159) 6 100 352

35. 7 71 1 21 100 1 3 4 (74) (19) (93) 76 23 1 8 108 9 76 2 32 119 1 (38) (31) (69) 24 (19) (3) (12) (10) (14) (50) (3) (12) (79) 3 18 21 (11) (32) (3) (12) (58) 1 1.125,000 8 74 1 17 100 3 3 (6) (6) (80) (32) (112) 77 26 1 7 111 5 62 2 27 96 2 (53) (22) (75) 115 28 8 151 62 6 8 76 (14) (14) 48 6 8 62 2 1.335,400 224 353

35. (93) (190) (28) (159) (470) 63 94 1 10 168 (7) (71) (1) (21) (100) (1) (3) (4) (2) (4) (1) (8) (15) 14 50 3 12 79 2 (1) 1 (23) (122) (26) (170) (341) (74) (249) (28) (136) (487) 52 139 2 10 203 (8) (74) (1) (17) (100) (3) (3) 6 6 3 6 (1) (7) 1 (62) (6) (8) (76) (4) (12) 2 (14) (93) (190) (28) (159) (470) 225 354

35. 2,366 (2,836) (470) 1 170 (2) 168 2 (100) (100) (4) (4) (5) 5 (108) (108) 93 93 2 (146) 146 3 69 10 79 38 (37) 1 2,585 (2,926) (341) 1 200 2 100 3 10002,500 1001,400 2,118 (2,605) (487) 204 (1) 203 (100) (100) (3) (3) (72) 78 6 (111) (111) 112 112 (151) 151 75 (151) (76) 80 (94) (14) 2,366 (2,836) (470) 226 355

35. 227 260 352 16 13 276 365 365 324 10 158 146 (53) 73 (194) (188) 276 365 59 46 99 100 158 146 222 19 3,000 223 1 2 % % % % 3 2.40 2.30 2.00 5.00 2.00 4.50 2.40 2.30 3.50 6.50 3.50 6.00 2.40 2.30 0.00 1.75 0.00 1.75 4.50 4.50 3.50 9.40 3.20 8.40 1 60 28 2829 29 4060 30 3031 31 2 80% 3 4 5 % % % % 2.50 2.50 2.50 5.00 2.30 4.50 4.00 4.00 2.40 6.50 2.30 6.00 0.00 2.40 0.00 2.30 5.10 4.20 4.50 9.40 4.20 8.40 1 8% 9% 1% 1% 5% 5% 4 5 356

35. 423 102 382 61 696 83 698 40 285 37 374 21 78 2 58 28 350 36 190 9 1,832 260 1,702 159 1 (1,855) (321) (26) (150) (1,795) (245) (28) (145) (23) (61) (26) (150) (93) (86) (28) (145) 1 100 7 15 1 20 43 4 4 (74) (9) (83) 76 11 1 7 95 9 17 2 31 59 1 (38) (6) (44) 24 (14) (3) (16) (9) (14) (20) (3) (16) (53) 3 8 5 16 (11) (12) (3) (11) (37) 1 1.121,500 8 14 1 16 39 (80) (9) (89) 77 11 1 7 96 5 16 2 23 46 2 (53) (4) (57) 115 7 8 130 62 3 8 73 (14) (14) 48 3 8 59 2 1.331,300 228 357

35. (93) (86) (28) (145) (352) 63 23 1 11 98 (7) (15) (1) (20) (43) (4) (4) (2) (2) (1) (7) (12) 14 20 3 16 53 2 (1) (1) (23) (61) (26) (150) (260) (74) (90) (28) (121) (313) 52 25 2 9 88 (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) 98 98 (43) (43) (4) (4) (1) 1 (95) (95) 83 83 (29) 29 48 5 53 32 (32) 2,092 (2,352) (260) 1,672 (1,985) (313) 88 88 (39) (39) (96) (96) 89 89 (113) 113 57 (130) (73) 68 (76) (8) 1,861 (2,213) (352) 229 358

36. 180.07 12.25 150.05 12.25 180 1 240 0.01 100 5 15,0005 462,5005 8.125%5,000 24.5 177.54120.54 177.54 1 7,500 5 99,995 100,000 100,000 7,5005 99,995 100,000 100,000 12,054 12,054 12,054 12,054 12,054 12,054 5,700 5,700 5,700 17,754 17,754 17,754 57 301 120.54 150.54 271 150.54 177.54 230 359

37. 3 7.267% 320 2,825 3,145 29 29 22 633 655 22 662 684 (22) (234) (256) 8 8 320 3,261 3,581 (87) (87) 22 872 894 22 785 807 (22) (251) (273) (115) (115) 320 3,680 4,000 3 7.267% Standard Chartered Bank Korea Limited 231 360

38. 237 314 45 59 282 373 400% 15.14 14.62 18.22 15.84 14.82 14.17 15.65 3 3 3 3 3 3 3 (%) 4.6 4.1 4.1 3.7 3.2 3.5 3.5 4.43 4.32 5.38 4.73 4.50 4.26 4.71 4.43 4.32 5.38 4.73 4.50 4.26 4.71 1.80 1.76 2.19 1.86 1.77 1.68 1.85 232 361

38. 100% 14.62 18.22 14.82 14.17 15.65 1/2/3 1/2/3 1/2/3 1/2/3 1/2/3 % 14.62 18.22 14.82 14.17 15.65 13.04 15.14 14.62 18.22 15.84 14.82 14.17 15.65 2/3 2/3 2/31/2/3/4 2/31/2/3/4 2/31/2/3/4 2/3 2/3 2/3 (%) 4.9 4.6 4.6 4.6 3.7 3.0 3.8 3.8 11.59 13.54 13.05 16.27 14.46 13.76 12.91 14.26 20% 233 362

38. 14.36 13.95 14.35 11.78 11.40 11.40 3 3 3 % 26.8 29.8 30.0 3.33 3.33 3.33 % 0.8 0.4 0.4 % 4.3 3.1 3.1 3.30 3.28 3.53 1 1 1 1 2 9,075,667 10,598,950 2,221,257 16,685,298 2,870,847 70,255 351,044 7.46 14,076,948 11.59 4,556,119 3 8,310,176 4 258,870 5 3,614,013 5 11.78 (316,190) (546,529) (179,594) (952,300) (280,160) (36,316) 6.60 (1,824,566) 12.07 (2,869,213) (1,506,034) (8,900,128) (1,610,335) (70,255) (291,119) 7.54 (1,270,057) 11.18 13,315,596 15,493,384 535,629 7,091,740 980,352 23,609 7.89 14,596,338 11.62 580,225 535,629 3,056,007 895,073 23,609 7.89 1,688,962 13.90 7.89 9.80-14.63 1 1 6 2 1 8.3 5.7 5.0 3.7 3.1 0.2 2.2 16.91 16.52 17.17 16.99 16.12 16.59 16.18 1 2 14,460 3 4,506,38021,6989,63618,405 4 7,478,046301,575 159,3884,310 68174,823476 191,490 5 234 363

38. 1 1 1 1 2 4,159,843 631,525 6,860,767 30,071,548 7,110,450 55,795 958,376 7.10 15,381,639 11.42 5,116,875 10,268,598 364,112 70,255 4,572,789 11.40 (201,051) (299,723) (1,657,903) (937,152) (103,149) (123,016) 6.33 (2,337,736) 11.64 (1,450) (2,981,607) (12,813,210) (4,136,454) (70,255) (484,316) 6.77 (3,539,744) 10.44 9,075,667 10,598,950 2,221,257 16,685,298 2,870,847 55,795 351,044 7.46 14,076,948 11.59 863,644 3,396,479 2,154,834 351,044 7.46 1,068,182 10.96 5.82 7.80 10.48 11.04 2 8 3 8.8 6.2 6.6 4.5 4.1 1.0 2.5 14.39 15.59 15.66 15.64 15.97 14.94 14.87 1 2 a) 1,605 b) c) 235 364

39. (205) (442) (180) (219) 1,027 902 634 250 146 98 17 (405) (397) (228) (255) 733 679 297 297 119 96 59 46 282 374 213 274 (106) (90) 55 10 55 10 1,617 1,196 664 546 (990) (1,237) 1,129 196 35 321 49 (226) (182) 4,215 2,530 486 33 (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 25,585 236 365

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 2,030 663 84,156 79,518 55,493 60,665 41. 11 51 2 42. 327 3 336 4 769 3 755 5 731 806 1,827 6 1,897 9 3.774.43 500 600 99 112 1 363 385 1 526 628 988 1,125 2 1.261.86 237 366

43. 36,936 34,258 10,002 10,035 46,938 44,293 7,408 7,610 459 711 43,294 39,294 17,983 17,353 123,481 110,138 192,625 175,106 25,274 25,089 9,383 9,159 34,657 34,248 4,767 4,808 3 26,391 27,985 6,245 5,375 60,893 60,231 98,299 98,399 34 PT Bank Permata TBK3.88 3.48 238 367

44. 30 31 45. 239 368

46. 1 11 Permata 240 244 11 244 244 132 136 Permata 3 18,258 (431) 17,827 4 (7,253) 202 (7,051) 11,005 (229) 10,776 5 4,621 (43) 4,578 5 (504) 1 (503) 6 2,769 (9) 2,760 7 1,102 (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) 7,971 10 (1,221) 25 (1,196) 11 (194) (2) (196) 116 66 182 6,786 (25) 6,761 12 (1,856) 25 (1,831) 4,930 4,930 240 369

46. Permata 4,930 4,930 35 (76) (76) 575 (7) 568 (73) (73) (2) 6 4 1,056 (2) 1,054 (339) 3 (336) 133 133 (20) (20) 12 (132) (132) 1,122 1,122 6,052 6,052 241 370

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, 19 283,885 (4,247) 279,638 15, 21 99,413 (188) 99,225 15, 22 28,745 (270) 28,475 215 215 2,581 (29) 2,552 23 953 731 1,684 26 6,954 (167) 6,787 27 6,646 (26) 6,620 28 691 (15) 676 636,086 (5,310) 630,776 15, 29 36,477 (50) 36,427 15, 30 377,639 (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) 22,873 28 161 161 34 215 215 35 504 (13) 491 596,206 (5,310) 590,896 36 12,054 12,054 24,245 24,245 36,299 36,299 37 3,581 3,581 39,880 39,880 636,086 (5,310) 630,776 242 371

46. Permata 6,786 (25) 6,761 39 2,395 135 2,530 39 (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) 195 195 (63) (63) 21 (157,325) 442 (156,883) 21 145,905 (578) 145,327 23 14 14 (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) 69,566 40 67 107 40 80,600 (1,082) 79,518 243 372

46. 11 7,202 11,791 18,993 (181) (107) (288) 7,021 11,684 18,705 (4,726) (6,008) (174) (10,908) 126 48 174 (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) 23 2 25 (674) (522) (1,196) (4) (120) (70) (194) (41) (31) 70 (2) (45) (151) (196) 116 116 43 139 (116) 66 43 139 182 1,775 5,139 (128) 6,786 (30) 51 (46) (25) 1,745 5,190 (174) 6,761 143,133 491,094 1,859 636,086 (4,453) (6,676) 5,819 (5,310) 138,680 484,418 7,678 630,776 191,297 403,540 1,369 596,206 (3,568) (1,739) (3) (5,310) 187,729 401,801 1,366 590,896 933 35 968 (933) 933 968 968 4,858 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 18,472 244 373

47. 1 Basinghall Avenue, London, EC2V 5DD, England 14 24 25 21 5 5 1 7 10 28 35 65 71 1 600 5 6,446 4 4,898 1 1 18 1 31 359 23 31 18 62 359 41 14,402 1,053 920 62 14,717 1,002 288 76 303 31 23 14,433 1,053 920 62 15,043 1,002 288 76 663 1,839 510 1,372 663 1,839 510 1,372 245 374

47. Standard Chartered Strategic Brand Management 1 SCSBM 3,6005,400 35 38 6,0004,300 PT Bank Permata Tbk3,1001,800 3,1002,300PT Bank Permata Tbk 1.14 1.28 Merchant Solutions2,000 2,900 3,200Merchant Solutions 2,0002,100 1,600 95 346 1 23 17,379 4,454 45 17,933 3,752 58 18 17,474 4,800 46 17,974 3,752 58 15,877 1,053 289 124 14,717 1,002 288 76 17,079 3,774 16 24,387 3,233 45 23 32,956 4,827 289 140 39,127 4,235 288 121 246 375

47. 663 2 51 281 188 2 51 281 851 510 115 135 146 91 5 115 135 151 601 6,000 4,300 Standard Chartered Overseas Holdings Limited 35 3.123.79 12.997.62 5.5110 1 38 PT Bank Permata TBK3,1001,800 3,1002,300 247 376

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

249 PDLGD EAD 17 17 III 100% 378

250 15% AAA BBB EBITDA 30 90 30 379

251 90 90 90 180 30 380

252 ECAI 97.5% 381

1 Basinghall Avenue London EC2V 5DD United Kingdom XI 4-4A 4-4A 32 15 13 KPMG Audit Plc 15 Canada Square E14 5GL, London United Kingdom

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