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Appendix D
Segmental advances and provisions analysis
Gross Specific Portfolio
Insurance
reserve Total Provision
advances NPLs provision provision balance provisions coverage
% of gross % of gross % of
R000 R000 advances R000 R000 R000 R000 advances NPLs
12 MONTHS ENDED
30 SEPTEMBER 2003
African Bank Retail 5 360 955 2 336 796 43,6 1 575 073 20 417 135 131 1 730 621 32,3 74,1
Specialised Lending 953 142 288 479 30,3 218 393 9 643 2 359 230 395 24,2 79,9
Credit Indemnity 315 641 62 030 19,7 53 494 2 045 – 55 539 17,6 89,5
Miners Credit Guarantee
Gilt Edged
270 785 46 504 17,2 28 246 1 721 820 30 787 11,4 66,2
Management Services 135 220 67 779 50,1 48 236 849 190 49 275 36,4 72,7
Contractor Finance
Commercial
110 546 110 546 100,0 86 760 – – 86 760 78,5 78,5
Vehicle Finance 114 399 684 0,6 210 5 028 1 349 6 587 5,8 963,0
ABCommerce 5 008 936 18,7 134 – – 134 2,7 14,3
Other 1 543 – 1 313 – – 1 313
Total 6 314 097 2 625 275 41,6 1 793 466 30 060 137 490 1 961 016 31,1 74,7
12 MONTHS ENDED
30 SEPTEMBER 2002
African Bank Retail 6 212 131 2 762 055 44,5 1 960 700 31 708 195 071 2 187 479 35,2 79,2
Specialised Lending 954 509 227 607 23,8 162 116 24 529 1 781 188 426 19,7 82,8
Credit Indemnity 246 711 63 826 25,9 42 905 13 136 – 56 041 22,7 87,8
Miners Credit Guarantee
Gilt Edged
279 360 50 194 18,0 37 091 2 928 – 40 019 14,3 79,7
Management Services 208 560 39 381 18,9 34 636 1 410 – 36 046 17,3 91,5
Contractor Finance 141 028 74 000 52,5 45 046 – – 45 046 31,9 60,9
Other 78 850 206 2 438 7 055 1 781 11 274
Total 7 166 640 2 989 662 41,7 2 122 816 56 237 196 852 2 375 905 33,2 79,5
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African Bank Investments Limited