Full integrated annual report - African Bank - Investoreports

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124 This page has been left blank Integrated report 2011 | African Bank Investments Limited
Corporate information Board of directors Non-executive MC Mogase (Chairman), N Adams, Advocate MF Gumbi, JDMG Koolen, NB Langa-Royds, S Sithole*, RJ Symmonds Executive G Schachat (Deputy Chairman), L Kirkinis (CEO), A Fourie, N Nalliah, TM Sokutu *Zimbabwean Company Secretary: MM Luthuli African Bank Investments Limited (Incorporated in the Republic of South Africa) (Registered bank controlling company) (Registration number 1946/021193/06) (Ordinary share code: ABL) (ISIN: ZAE000030060) (Preference share code: ABLP) (ISIN: ZAE000065215) Share transfer secretaries Link Market Services South Africa (Pty) Limited 13th Floor, Rennie House 19 Ameshoff Street, Braamfontein PO Box 4844, Johannesburg, 2000 Telephone +27 11 630 0800 Telefax: +27 86 674 4381 Registered office 59 16th Road Midrand, South Africa, 1685 Private Bag X170, Midrand, South Africa, 1685 Investor relations and shareholder details Lydia du Plessis Telephone: +27 11 564 6991 Email: investor.relations@africanbank.co.za Leeanne Goliath Telephone: +27 11 564 7068 Email: investor.relations@africanbank.co.za Complaints and fraud Fraud: African Bank ethics toll-free line: 0800 20 20 18 African Bank ethics e-mail address: abfraudethics@africanbank.co.za African Bank ethics telefax: +27 11 207 3811 EHL ethics toll-free line (South Africa and Namibia) 0800 118 444 EHL ethics toll-free line (Botswana) 0800 600 828 EHL ethics toll-free line (Swaziland, Zambia and Lesotho) +27 11 678 0822 EHL ethics e-mail address: alertline@emps.co.za Complaints: Call Centre number 0861 111 011 Company’s websites www.abil.co.za www.africanbank.co.za www.ellerines.co.za www.beares.co.za www.geenrichards.co.za www.furniturecity.co.za www.wetherlys.co.za www.dialabed.co.za Electronic communications Shareholders may elect to receive communications (annual reports, interim reports and other company communications) electronically provided that they have internet access and a valid e-mail address. To obtain more information, and to register for this service, shareholders should log on to www.abil.co.za. To register, shareholders will need their shareholder reference number which is set out on their share certificate or monthly share statement. If you have any questions about this service, please contact ABIL’s investor relations department. Disclaimer Certain statements made in this document are forward-looking. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions that are difficult to predict. Actual outcomes and results may differ materially from those expressed in, or implied by, the forward-looking statements. Words such as expect, anticipate, estimate, target, predict, believe and other similar expressions, and future or conditional verbs such as will, should, would and could are intended to identify such forward-looking statements. Readers should not rely solely on the forward-looking statements. These statements are based on current expectations and are subject to a number of risks and uncertainties that could cause actual results to differ materially from any expected future results in forward-looking statements.
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Integrated report 2011 Giving peopl
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Contents ABIL in perspective Page S
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Operating structure ABIL is a publi
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Our values These are the basic beli
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Eyomhlaba, ABIL’s fi rst R600 mil
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Shareholders’ snapshot Top fund m
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High level risks R1 R2 R3 R4 R5 R6
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2011 2010 Customers Number of custo
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Stakeholders’ issues Link to mate
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Stakeholders’ issues Link to mate
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2006 2005 2004 2003 Defi nition 1 1
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Mojankunyane Florence Gumbi (52) Po
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Samuel Sithole (38)* Position Indep
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Izincwadi zababambiqhaza Matseno Po
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Izincwadi zababambiqhaza tšwetšwa
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The selection of issues was informe
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Strategic issue covered Risks cover
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ABIL manages its regulatory environ
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Within the context of further build
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experiencing each other’s day-to-
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The Bank has made extensive headway
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Credit products EHL made good progr
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The rollout of this additional dist
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Financial review How ABIL generates
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Financial review continued Economic
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African Bank Investments Limited Co
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African Bank Investments Limited Gr
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Banking business unit Results at a
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Retail business unit Results at a g
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Retail business unit Financial stat
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Composition of the board The compos
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Remuneration report This is a conde
Page 77 and 78: Sign-on bonuses Sign-on bonuses are
Page 79 and 80: Risk management report This is a co
Page 81 and 82: Risk management mechanisms ABIL bel
Page 83 and 84: Mitigation Further detail ABIL cons
Page 85 and 86: Mitigation Further detail This moni
Page 87 and 88: Mitigation Further detail ABIL acce
Page 89 and 90: Listings information Listings excha
Page 91 and 92: Shareholders’ profi le Top fund m
Page 93 and 94: Analysis of preference shareholders
Page 95 and 96: Findings Based on our review of the
Page 97 and 98: Explanatory note On 1 May 2011, bei
Page 99 and 100: Percentage of voting rights require
Page 101 and 102: 10. Special resolution 4 - amendmen
Page 103 and 104: 12. Special resolution 6 - amendmen
Page 105 and 106: Percentage of voting rights require
Page 107 and 108: 16.6 the minimum funding return (al
Page 109 and 110: c) the issued share capital and res
Page 111 and 112: 19.3 Directions for obtaining a cop
Page 113 and 114: Jacobus Dorotheus Maria Gerardus In
Page 115 and 116: Remuneration policy of African Bank
Page 117 and 118: Annexure to the notice of AGM - Par
Page 119 and 120: (v) Share capital of ABIL Ordinary
Page 121 and 122: Application form: electronic partic
Page 123 and 124: Form of proxy African Bank Investme
Page 125 and 126: Summary of shareholders rights in r
Page 127: This page has been left blank Integ
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