Investor Presentaiton

14 STANDARD BANK NAMIBIA LIMITED Annual financial statements 2020 15 /16/17/21 Directors' responsibility and approval Report of the independent auditor Directors' report 23 Statements of financial position 24 Income statement 25/26/28 Statement of other Statement of changes in comprehensive equity income ANNUAL FINANCIAL STATEMENTS Statement of cash flows 29 Accounting policy elections and restatements Key 31 management assumptions /37 Notes to the annual financial statements 82 83 Annexure A- Subsidiary Annexure B - Joint venture 84 Annexure C - Risk and capital management 104 105 Annexure D- Emoluments of directors Annexure E - Detailed accounting policies

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