Standardbank Cover.indd - Standard Bank - Investor Relations

Group results
in brief
Segmental
reporting
Income statement
analysis
Balance sheet
analysis
Capital
management
Key banking legal
entity information
Other information
and restatements
Shareholder
information
Loans and advances
Loans and advances (Rbn)
CAGR (2006 – 2012): 8%
Composition of gross loans and advances
to customers (%)
1 000
800
600
400
200
2006 2007 2008 2009 2010 2011 2012
502 638 790 724 713 804 814
30
9
2 6
3
9
41
Mortgage loans (2011: 42)
Instalment sale and finance
leases (2011: 8)
Card debtors (2011: 3)
Other term loans (2011: 30)
Overdrafts and other
demand loans (2011: 8)
Loans granted under resale
agreements (2011: 3)
Commerical property finance
(2011: 6)
By advance type
Change
%
Loans and advances to banks (17) 108 196 130 257
Call loans 28 22 328 17 488
Loans granted under resale agreements (67) 13 776 41 358
Balances with banks 1 72 092 71 411
Loans and advances to customers 5 705 696 673 554
Gross loans and advances to customers 5 723 400 688 739
Mortgage loans 4 299 791 287 597
Instalment sale and finance leases 15 66 053 57 373
Card debtors 16 24 052 20 726
Overdrafts and other demand loans 15 65 008 56 522
Other term loans 7 213 761 199 462
Loans granted under resale agreements (43) 11 562 20 222
Commercial property finance 2 41 393 40 707
Other loans and advances (71) 1 780 6 130
Less: Credit impairments for loans and advances 17 17 704 15 185
Specific credit impairments 28 12 516 9 775
Portfolio credit impairments (4) 5 188 5 410
Net loans and advances 1 813 892 803 811
Comprising:
Gross loans and advances 2 831 596 818 996
Less: Credit impairments 17 17 704 15 185
Net loans and advances 1 813 892 803 811
Securitised assets consolidated above:
Mortgage loans (9) 11 113 12 175
2012
Rm
2011
Rm
56