Full integrated annual report - African Bank - Investoreports

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Material issues
Our material issues were identifi ed on the basis that:
It is likely to have an impact on the future prosperity of the group or our stakeholders;
It is regarded as material given the size, longevity and severity of the impact, positive or negative, and its
ability to signifi cantly infl uence decision-making; and
It should form part of the ongoing dialogue between ourselves and parties with a vested interest in ABIL’s
continued existence.
Material issue Sub-issues
M1. Staying true to our business model High risk/return
M2. Growing our people through providing
opportunities and skills development
M3. Positively impacting customers’ lives
through the provision of credit
M4. Maintaining a solid foundation in terms
of funding and capital
Integrated report 2011 | African Bank Investments Limited
Low cost, high volume, predominantly centralised
model
Saying yes as often as possible
Customer segmentation
Customer reach
Engagement with staff
Employee satisfaction
Training and development
Recruitment
Transformation
Welfare
Remuneration
Employee value proposition
Customer engagement
Products
Service improvement
Customer satisfaction
Distribution
Responsible lending
Engagement with shareholders and funders
Capital model
Funding strategy
Credit ratings