Views
4 years ago

Full annual report - African Bank - Investoreports

Full annual report - African Bank - Investoreports

Full annual report - African Bank -

Responsible credit with passion, courage and empathy >ABIL in perspective Integrated Report for the year ended 30 September 2012 African Bank Investments Limited | Integrated Report for the year ended 30 September 2012 A

  • Page 2 and 3: Scope and boundary of this report H
  • Page 4 and 5: 1-22 23-82 83-196 197-320 321-328 3
  • Page 6 and 7: Group profile ABIL’s purpose is t
  • Page 8 and 9: 2012 in perspective ■ 20% return
  • Page 10 and 11: Our history 6 Formation of Theta Se
  • Page 12 and 13: Strategic framework ABIL’s vision
  • Page 14 and 15: African Bank Investments Limited Fi
  • Page 16 and 17: Our stakeholders Our philosophy ABI
  • Page 18 and 19: 10-year statistics and financial de
  • Page 20 and 21: 10-year statistics and financial de
  • Page 22 and 23: Mutle Constantine Mogase (48) Posit
  • Page 24 and 25: Nomalizo Beryl (Ntombi) Langa-Royds
  • Page 26 and 27: Nithiananthan (Nithia) Nalliah (53)
  • Page 28 and 29: 24 Letter to stakeholders Introduct
  • Page 30 and 31: 26 Related information can be found
  • Page 32 and 33: Competitive landscape The sharp inc
  • Page 34 and 35: ABIL has shifted the focus of its c
  • Page 36 and 37: 32 For more information on our tran
  • Page 38 and 39: made over the years to form the ABI
  • Page 40 and 41: Material issue Why is it important?
  • Page 42 and 43: 38 Strategic review Please refer to
  • Page 44 and 45: 40 For more information on the reha
  • Page 46 and 47: For the Banking unit, the strategy
  • Page 48 and 49: Our people Engagement methods Comms
  • Page 50 and 51: Our staff requests Our response Int
  • Page 52 and 53:

    Our customers’ requests Our respo

  • Page 54 and 55:

    Suppliers Engagement methods 50 Fre

  • Page 56 and 57:

    How ABIL generates revenue and what

  • Page 58 and 59:

    Overview Financial performance ABIL

  • Page 60 and 61:

    Condensed segmental income statemen

  • Page 62 and 63:

    Condensed segmental statement of fi

  • Page 64 and 65:

    Condensed group statement of change

  • Page 66 and 67:

    Condensed group statement of cash f

  • Page 68 and 69:

    Banking unit return on assets and r

  • Page 70 and 71:

    offices worldwide. Their ranges wil

  • Page 72 and 73:

    Total income yield % 50 40 30 20 10

  • Page 74 and 75:

    70 Balance sheet analysis Credit di

  • Page 76 and 77:

    Key loan book statistics* for the y

  • Page 78 and 79:

    Credit quality Performing loans inc

  • Page 80 and 81:

    Credit quality analysis 1 as at 30

  • Page 82 and 83:

    2011 funding liabilities 78 55% ■

  • Page 84 and 85:

    Capital adequacy Capital adequacy r

  • Page 86 and 87:

    Economic profit model 82 Average or

  • Page 88 and 89:

    Ethical leadership and corporate ci

  • Page 90 and 91:

    Board composition 86 7 ■ Executiv

  • Page 92 and 93:

    Period of office of board members A

  • Page 94 and 95:

    The governance of information techn

  • Page 96 and 97:

    92 A comprehensive overview of stak

  • Page 98 and 99:

    ■ Gearing was increased from 50%

  • Page 100 and 101:

    Remuneration components The remuner

  • Page 102 and 103:

    Long term incentives The long term

  • Page 104 and 105:

    Banking unit R million Banking unit

  • Page 106 and 107:

    Future remuneration The executive d

  • Page 108 and 109:

    Share of retained earnings between

  • Page 110 and 111:

    106 Risk report Introduction Introd

  • Page 112 and 113:

    Risk universe and supporting struct

  • Page 114 and 115:

    an integral part of the process of

  • Page 116 and 117:

    Group compliance The South African

  • Page 118 and 119:

    The diagram below depicts the opera

  • Page 120 and 121:

    Risk Mitigation Further detail R6.

  • Page 122 and 123:

    118 For a general discussion on how

  • Page 124 and 125:

    Vintages are produced for every pro

  • Page 126 and 127:

    31 December 2018. To this end, the

  • Page 128 and 129:

    The capital adequacy of ABIL and th

  • Page 130 and 131:

    DMTN, EMTN and Sub-Debt bonds contr

  • Page 132 and 133:

    offsite disaster recovery centre is

  • Page 134 and 135:

    Regulatory issue Description Risk/I

  • Page 136 and 137:

    Regulatory issue Description Risk/I

  • Page 138 and 139:

    134 Sustainable development GRI 3.4

  • Page 140 and 141:

    Economic impact In this section, we

  • Page 142 and 143:

    138 For more information on employm

  • Page 144 and 145:

    The Banking unit achieved 4,03 on t

  • Page 146 and 147:

    142 GRI LA8 Age analysis 16% 39% 5%

  • Page 148 and 149:

    ■ Mentorship - 25 mentors and 17

  • Page 150 and 151:

    146 Average August 2011 % Permanent

  • Page 152 and 153:

    Workforce composition Province/Coun

  • Page 154 and 155:

    ■ Annual independent health and s

  • Page 156 and 157:

    Internal programmes (training hours

  • Page 158 and 159:

    154 - Channel experience - service,

  • Page 160 and 161:

    156 For more information about our

  • Page 162 and 163:

    158 GRI PR3 and PR4 GRI PR5 For mor

  • Page 164 and 165:

    Responsible labour practices The ma

  • Page 166 and 167:

    These community development project

  • Page 168 and 169:

    Flagship projects KBETEY - English

  • Page 170 and 171:

    FOOTY “FOOTY” - football develo

  • Page 172 and 173:

    168 GRI EC1, EC8 Environmental impa

  • Page 174 and 175:

    Graph 1: ABIL’s carbon emissions

  • Page 176 and 177:

    and the electricity circuits have b

  • Page 178 and 179:

    174 GRI EN7 Group supply chain and

  • Page 180 and 181:

    Biodiversity South Africa has the t

  • Page 182 and 183:

    To the management and stakeholders

  • Page 184 and 185:

    180 Independent third party assuran

  • Page 186 and 187:

    Description Explanation 1. Strategy

  • Page 188 and 189:

    Description Explanation 3.9 Data me

  • Page 190 and 191:

    Description Explanation 4.13 Member

  • Page 192 and 193:

    Description Explanation Energy EN3

  • Page 194 and 195:

    Description Explanation Transport E

  • Page 196 and 197:

    Description Explanation Diversity a

  • Page 198 and 199:

    Description Explanation Communities

  • Page 200 and 201:

    Description Explanation PR7 Total n

  • Page 202 and 203:

    Contents Financial definitions 200

  • Page 204 and 205:

    Financial definitions All-in tax ra

  • Page 206 and 207:

    Financial definitions continued NPL

  • Page 208 and 209:

    Nine-year summarised group statemen

  • Page 210 and 211:

    Currency adjusted group statement o

  • Page 212 and 213:

    Certificate from the company secret

  • Page 214 and 215:

    Independent auditor’s report We h

  • Page 216 and 217:

    Directors’ report The directors p

  • Page 218 and 219:

    Directors’ report continued or eq

  • Page 220 and 221:

    Directors’ report continued Remun

  • Page 222 and 223:

    Group statement of financial positi

  • Page 224 and 225:

    Group statement of changes in equit

  • Page 226 and 227:

    Group statement of cash flows for t

  • Page 228 and 229:

    Notes to the group annual financial

  • Page 230 and 231:

    Notes to the group annual financial

  • Page 232 and 233:

    Notes to the group annual financial

  • Page 234 and 235:

    Notes to the group annual financial

  • Page 236 and 237:

    Notes to the group annual financial

  • Page 238 and 239:

    Notes to the group annual financial

  • Page 240 and 241:

    Notes to the group annual financial

  • Page 242 and 243:

    Notes to the group annual financial

  • Page 244 and 245:

    Notes to the group annual financial

  • Page 246 and 247:

    Notes to the group annual financial

  • Page 248 and 249:

    Notes to the group annual financial

  • Page 250 and 251:

    Notes to the group annual financial

  • Page 252 and 253:

    Notes to the group annual financial

  • Page 254 and 255:

    Notes to the group annual financial

  • Page 256 and 257:

    Notes to the group annual financial

  • Page 258 and 259:

    Notes to the group annual financial

  • Page 260 and 261:

    Notes to the group annual financial

  • Page 262 and 263:

    Notes to the group annual financial

  • Page 264 and 265:

    Notes to the group annual financial

  • Page 266 and 267:

    Notes to the group annual financial

  • Page 268 and 269:

    Notes to the group annual financial

  • Page 270 and 271:

    Notes to the group annual financial

  • Page 272 and 273:

    Notes to the group annual financial

  • Page 274 and 275:

    Notes to the group annual financial

  • Page 276 and 277:

    Notes to the group annual financial

  • Page 278 and 279:

    Notes to the group annual financial

  • Page 280 and 281:

    Notes to the group annual financial

  • Page 282 and 283:

    Notes to the group annual financial

  • Page 284 and 285:

    Notes to the group annual financial

  • Page 286 and 287:

    Notes to the group annual financial

  • Page 288 and 289:

    Notes to the group annual financial

  • Page 290 and 291:

    Notes to the group annual financial

  • Page 292 and 293:

    Notes to the group annual financial

  • Page 294 and 295:

    Notes to the group annual financial

  • Page 296 and 297:

    Notes to the group annual financial

  • Page 298 and 299:

    Notes to the group annual financial

  • Page 300 and 301:

    Notes to the group annual financial

  • Page 302 and 303:

    Notes to the group annual financial

  • Page 304 and 305:

    Notes to the group annual financial

  • Page 306 and 307:

    Notes to the group annual financial

  • Page 308 and 309:

    Notes to the group annual financial

  • Page 310 and 311:

    Notes to the group annual financial

  • Page 312 and 313:

    Notes to the group annual financial

  • Page 314 and 315:

    Company statement of financial posi

  • Page 316 and 317:

    Company statement of cash flows for

  • Page 318 and 319:

    Notes to the company annual financi

  • Page 320 and 321:

    Notes to the company annual financi

  • Page 322 and 323:

    Appendix A: Group structure and pro

  • Page 324 and 325:

    Appendix B: Investment in subsidiar

  • Page 326 and 327:

    Dividend declaration Shareholders a

  • Page 328 and 329:

    Shareholders’ diary Event Date An

  • Page 330 and 331:

    Top beneficial holders Beneficial o

  • Page 332 and 333:

    Analysis of preference shareholders

  • Page 334 and 335:

    Notice of annual general meeting No

  • Page 336 and 337:

    Notice of annual general meeting co

  • Page 338 and 339:

    Notice of annual general meeting co

  • Page 340 and 341:

    Notice of annual general meeting co

  • Page 342 and 343:

    Notice of annual general meeting co

  • Page 344 and 345:

    Notice of annual general meeting co

  • Page 346 and 347:

    Directors’ curricula vitae Samuel

  • Page 348 and 349:

    Remuneration policy of African Bank

  • Page 350 and 351:

    Paragraph 11.26 information (i) Dir

  • Page 352 and 353:

    Paragraph 11.26 information continu

  • Page 354 and 355:

    Application form: Electronic partic

  • Page 356 and 357:

    Instructions on who may use this pr

  • Page 358 and 359:

    Notes 354

  • Page 360:

    Use your QR code reader on your sma

2011 Annual Report - Arab African International Bank
aaib.com
Annual Report - Irish Bank Resolution Corporation Limited (in ...
ibrc.ie
Full Annual Report 2008 - EFG Bank Group
efggroup
Annual Report 2012-2013 - HDFC Bank
hdfcsec.com
GRAND BANKS YACHTS LIMITED 2010 ANNUAL REPORT
grandbanks.com
Full Annual Report 2007 - EFG Bank Group
efggroup
HDFC Securities Annual Report 11-12.pmd - HDFC Bank
hdfcsec.com