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African Bank Investments Limited AN
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2,5 2,0 1,5 1,0 0,5 0 JSE statistic
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Five-year history Four-year compoun
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Features 35 30 25 20 15 10 5 0 Head
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Focus and strategy The focus of the
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Profile African Bank Investments Li
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1994 Formation of investment trust
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Performance against key objectives
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Short to medium-term objectives OBJ
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African Bank Investments Limited We
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Letter to stakeholders ABIL believe
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Incwadi eya kwabanezabelo iqhutshiw
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Incwadi eya kwabanezabelo iqhutshiw
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Incwadi eya kwabanezabelo iqhutshiw
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Incwadi eya kwabanezabelo iqhutshiw
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Incwadi eya kwabanezabelo iqhutshiw
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Incwadi eya kwabanezabelo iqhutshiw
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Currency adjusted group balance she
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Management discussion Overview Key
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12 months ended 12 months ended 30
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Capital adequacy model Non-performi
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8 000 7 000 6 000 5 000 4 000 3 000
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Sales analysis - number and average
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excluding the Saambou PLB acquisiti
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The improved credit conditions are
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ook and the written-off book. To th
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Statement of average balances Weigh
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Divisional reports Operationally, A
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collection strike rates, which has
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ABIL also expanded its portfolio to
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Collections business unit. Its most
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Issue arising Corrective action req
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Skills and experience of the board
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Corporate governance continued regu
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from the committee responsible for
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that the risk policies and strategi
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Table 1: Remuneration and fees Serv
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Risk review ABIL views risk as an i
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Risk review continued Undesirable r
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Top ten risks Mitigating factors Ri
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Credit risk African Bank Retail Cre
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on a regular basis to ensure proper
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Social commitment Given the nature
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Embarking on a journey The process
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The progress The corporate social c
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Shareholders’ information Number
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agreements, to ensure that the mate
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The interest rate charged is determ
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Continued effort and focus will go
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services of the best employees. The
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The African Bank Foundation accepts
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Index to global reporting initiativ
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Directors’ responsibility The dir
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Directors’ report 30 September 20
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INTEREST OF THE DIRECTORS IN THE SH
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n4 The strike prices of the share o
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Income statement for the year ended
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Cash flow statement for the year en
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Equity accounted income, which is i
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1.9 Revenue recognition Interest in
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Group Company 2003 2002 2003 2002 R
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Group Company 2003 2002 2003 2002 R
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- Page 139 and 140: One to Four to Beyond Non-interest
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- Page 145 and 146: Appendix B Investments in associate
- Page 147 and 148: Appendix D Segmental advances and p
- Page 149 and 150: Appendix F Group structure and prof
- Page 151 and 152: 3.4.4 ensure that a comprehensive s
- Page 153 and 154: 7.4.3 All directors are required to
- Page 155 and 156: 6.3 any general payment shall be ma
- Page 157 and 158: 13.6 Any repurchases shall comply w
- Page 159 and 160: DIRECTORS’ CURRICULUM VITAES Anto
- Page 161 and 162: 6. Isinqumo esejwayelekile esinguno
- Page 163 and 164: 12.9.1 kuyokwenziwa ngokulandela uM
- Page 165 and 166: 16. Ukuvota nezithunywa Bonke abani
- Page 167 and 168: Form of proxy AFRICAN BANK INVESTME
- Page 169 and 170: Ifomu yokuqoka isithunywa esizokume
- Page 171 and 172: Members of the ABIL board ASHLEY SE
- Page 173 and 174: RAMANI NAIDOO (41) BA LLB Non-execu
- Page 175 and 176: Corporate information COMPANY REGIS
- Page 177: GRAPHICOR 30006