Full integrated annual report - African Bank - Investoreports

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Our strategic framework Our material issues Strategic themes M1 M2 M3 M4 M5 M6 M7 Staying true to our business model Growing our people through providing opportunities and skills development Positively impacting customers’ lives through the provision of credit Maintaining a solid foundation in terms of funding and capital Contributing to the sustainable growth and transformation of our country Delivering value through sustainable and responsible processes Environmental awareness and responsibilities 8 Integrated report 2011 | African Bank Investments Limited 15,6% S1 Return Growing on our equity people 15,6% S2 Delivering value to our Return on equity customers 15,6% S3 Maintaining a foundation of Return on equity fi nancial strength 15,6% S4 Achieving operational Return on equity excellence S5 Expanding our accountability horizons “I pledge to make the dreams of African Bank clients true, I promise to go the extra mile, to have more empathy and listen attentively to my customers needs. I also promise not to look at the fi gure but the fi nancial need of my customer”. Brigette Bathgate – ABIL employee
High level risks R1 R2 R3 R4 R5 R6 R7 R8 R9 R10 R11 Economic environment Competitive landscape Our people Growing our customer base Scalability of the business Credit risk Capital, liquidity and funding risk Logistics Information technology risk Regulation Impact on society 2011 highlights Momentum created by our people Intense engagement with customers and staff Credit disbursements increased by 50% 612 000 new customers gained New credit products generated R3,2 billion in disbursements African Bank network increased by 39% through EHL stores New direct channels generated R3,1 billion in sales First distribution centre for EHL network rolled out Carbon footprint measured for the fi rst time EMTN programme listed and debut US$300 million international bond issued Financial care centres implemented for our people Exciting new furniture ranges and products launched Integrated report 2011 | African Bank Investments Limited 9
Page 1 and 2: Integrated report 2011 Giving peopl
Page 3 and 4: Contents ABIL in perspective Page S
Page 5 and 6: Operating structure ABIL is a publi
Page 7 and 8: Our values These are the basic beli
Page 9 and 10: Eyomhlaba, ABIL’s fi rst R600 mil
Page 11: Shareholders’ snapshot Top fund m
Page 15 and 16: 2011 2010 Customers Number of custo
Page 17 and 18: Stakeholders’ issues Link to mate
Page 19 and 20: Stakeholders’ issues Link to mate
Page 21 and 22: 2006 2005 2004 2003 Defi nition 1 1
Page 23 and 24: Mojankunyane Florence Gumbi (52) Po
Page 25 and 26: Samuel Sithole (38)* Position Indep
Page 27 and 28: Izincwadi zababambiqhaza Matseno Po
Page 29 and 30: Izincwadi zababambiqhaza tšwetšwa
Page 37 and 38: The selection of issues was informe
Page 39 and 40: Strategic issue covered Risks cover
Page 41 and 42: ABIL manages its regulatory environ
Page 43 and 44: Within the context of further build
Page 45 and 46: experiencing each other’s day-to-
Page 47 and 48: The Bank has made extensive headway
Page 49 and 50: Credit products EHL made good progr
Page 51 and 52: The rollout of this additional dist
Page 53 and 54: Financial review How ABIL generates
Page 55 and 56: Financial review continued Economic
Page 57 and 58: African Bank Investments Limited Co
Page 59 and 60: African Bank Investments Limited Co
Page 61 and 62: African Bank Investments Limited Gr
Page 63 and 64:
African Bank Investments Limited Co
Page 65 and 66:
African Bank Investments Limited Co
Page 67 and 68:
Banking business unit Results at a
Page 69 and 70:
Retail business unit Results at a g
Page 71 and 72:
Retail business unit Financial stat
Page 73 and 74:
Composition of the board The compos
Page 75 and 76:
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 and 128:
This page has been left blank Integ
Page 129 and 130:
Corporate information Board of dire
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