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African Bank Investments Limited AN
- Page 3 and 4: 2,5 2,0 1,5 1,0 0,5 0 JSE statistic
- Page 5 and 6: Five-year history Four-year compoun
- Page 7 and 8: Features 35 30 25 20 15 10 5 0 Head
- Page 9 and 10: Focus and strategy The focus of the
- Page 11 and 12: Profile African Bank Investments Li
- Page 13 and 14: 1994 Formation of investment trust
- Page 15 and 16: Performance against key objectives
- Page 17 and 18: Short to medium-term objectives OBJ
- Page 19 and 20: African Bank Investments Limited We
- Page 21 and 22: Letter to stakeholders ABIL believe
- Page 23 and 24: Incwadi eya kwabanezabelo iqhutshiw
- Page 25 and 26: Incwadi eya kwabanezabelo iqhutshiw
- Page 27 and 28: Incwadi eya kwabanezabelo iqhutshiw
- Page 29 and 30: Incwadi eya kwabanezabelo iqhutshiw
- Page 31 and 32: Incwadi eya kwabanezabelo iqhutshiw
- Page 33 and 34: Incwadi eya kwabanezabelo iqhutshiw
- Page 35 and 36: Currency adjusted group balance she
- Page 37 and 38: Management discussion Overview Key
- Page 39 and 40: 12 months ended 12 months ended 30
- Page 41 and 42: Capital adequacy model Non-performi
- Page 43 and 44: 8 000 7 000 6 000 5 000 4 000 3 000
- Page 45 and 46: Sales analysis - number and average
- Page 47 and 48: excluding the Saambou PLB acquisiti
- Page 49 and 50: The improved credit conditions are
- Page 51 and 52: ook and the written-off book. To th
- Page 53: Statement of average balances Weigh
- Page 57 and 58: collection strike rates, which has
- Page 59 and 60: ABIL also expanded its portfolio to
- Page 61 and 62: Collections business unit. Its most
- Page 63 and 64: Issue arising Corrective action req
- Page 65 and 66: Skills and experience of the board
- Page 67 and 68: Corporate governance continued regu
- Page 69 and 70: from the committee responsible for
- Page 71 and 72: that the risk policies and strategi
- Page 73: Table 1: Remuneration and fees Serv
- Page 76 and 77: Risk review ABIL views risk as an i
- Page 79 and 80: Risk review continued Undesirable r
- Page 81 and 82: Top ten risks Mitigating factors Ri
- Page 83 and 84: Credit risk African Bank Retail Cre
- Page 85 and 86: on a regular basis to ensure proper
- Page 87 and 88: Social commitment Given the nature
- Page 89 and 90: Embarking on a journey The process
- Page 91 and 92: The progress The corporate social c
- Page 93 and 94: Shareholders’ information Number
- Page 95 and 96: agreements, to ensure that the mate
- Page 97 and 98: The interest rate charged is determ
- Page 99 and 100: Continued effort and focus will go
- Page 101 and 102: services of the best employees. The
- Page 103 and 104: 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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Group Company 2003 2002 2003 2002 R
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111 Group 2003 2002 R000 R000 12. L
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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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117 Group 2003 2002 R000 R000 25. R
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Group Company 2003 2002 2003 2002 R
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One to Four to Beyond Non-interest
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One to Four to Beyond Up to one thr
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125 Group 2003 2002 R000 R000 37. O
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Appendix B Investments in associate
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Appendix D Segmental advances and p
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Appendix F Group structure and prof
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3.4.4 ensure that a comprehensive s
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7.4.3 All directors are required to
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6.3 any general payment shall be ma
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13.6 Any repurchases shall comply w
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DIRECTORS’ CURRICULUM VITAES Anto
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6. Isinqumo esejwayelekile esinguno
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12.9.1 kuyokwenziwa ngokulandela uM
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16. Ukuvota nezithunywa Bonke abani
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Form of proxy AFRICAN BANK INVESTME
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Ifomu yokuqoka isithunywa esizokume
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Members of the ABIL board ASHLEY SE
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RAMANI NAIDOO (41) BA LLB Non-execu
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Corporate information COMPANY REGIS
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GRAPHICOR 30006