Standardbank Cover.indd - Standard Bank - Investor Relations

More documents

Recommendations

Info

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 Financial and other definitions continued Banking activities ATM Available financial resources (Rm) Capital coverage ratio (times) Cost-to-income ratio (%) Credit loss ratio (%) Effective taxation rate (%) FIC Gross specific impairment coverage ratio (%) Loan-to-deposit ratio (%) NII Net interest margin (%) Non-interest earning assets (Rm) Non-interest revenue to total income (%) Portfolio credit impairments (Rm) Return on equity (ROE) (%) Risk-weighted assets (Rm) Specific credit impairments (Rm) TPS Automated teller machine. The amount of permanent capital that is available to the group to absorb potential losses. Available financial resources divided by minimum economic capital requirements. Operating expenses as a percentage of total income, including profit/(loss) and disposal of subsidiaries and share of profit/(loss) from associates and joint ventures. Total impairment charges on loans and advances, per the income statement, as a percentage of average daily and monthly gross loans and advances. Direct and indirect taxation as a percentage of income before taxation. Fixed income and currencies. Balance sheet impairments for non-performing specifically impaired loans as a percentage of specifically impaired loans. Net loans and advances as a percentage of deposits and current accounts. Net interest income. Net interest income as a percentage of daily and monthly average total assets, excluding trading derivative assets. Includes total trading book assets and rate-insensitive banking book assets, such as cash and cash equivalents, fixed assets, goodwill and other intangible assets, investment property, current and deferred tax assets, and other assets. Cash balances with central banks are specifically excluded as they are utilised to meet liquidity requirements and are reflected as part of the interest-earning assets to reflect the cost of liquidity. Derivative assets are also excluded. Non-interest revenue as a percentage of total income. Impairment for latent losses inherent in groups of loans and advances that have not yet been specifically impaired. Headline earnings as a percentage of monthly average ordinary shareholders’ funds. Liberty headline earnings and capital are to be excluded. Determined by applying prescribed risk weightings to balance sheet and offbalance sheet exposures according to the relative risk of the counterparty. Impairment for loans and advances that have been classified as non-performing and specifically impaired, net of the present value of estimated recoveries. Transactional product services. 100 Other definitions BPS Consumer price index (CPI) GDP International Financial Reporting Standards (IFRS) Liberty MSCI Emerging Markets Index Normalised results JSE SARB SBA SBG SBSA Special purpose entities (SPEs) Tutuwa Basis points. A South African index of prices used to measure the change in the cost of basic goods and services. Gross domestic product. International Financial Reporting Standards issued by the International Accounting Standards Board (IASB). Investment management and life insurance activities of companies in the Liberty Holdings Group. Morgan Stanley Capital International Emerging Markets Index. The financial results and ratios restated on an economic substance basis as explained on page 22. Johannesburg Stock Exchange. South African Reserve Bank. Standard Bank Argentina S.A. and two of its affiliates. Standard Bank Group Limited. The Standard Bank of South Africa Limited. Entities where each is created to accomplish a narrow and well-defined objective. Tutuwa is the group’s black economic empowerment ownership initiative entered into in terms of the Financial Sector Charter.
Shareholder information Analysis of shareholders 102 Credit ratings 103 Dividend payment dates 104 Instrument codes 104 Contact details ibc
Page 1 and 2:
Standard Bank Group financial resul
Page 3 and 4:
Proof 8: 20 February 2013 Standard
Page 5 and 6:
Proof 8: 20 February 2013 Standard
Page 7 and 8:
Standard Bank Group Analysis of fin
Page 9 and 10:
Page 11 and 12:
Page 13 and 14:
Page 15 and 16:
Page 17 and 18:
Page 19 and 20:
Page 21 and 22:
Group results in brief Segmental re
Page 23 and 24:
Page 25 and 26:
Page 27 and 28:
Page 29 and 30:
Page 31 and 32:
Page 33 and 34:
Page 35 and 36:
Page 37 and 38:
Page 39 and 40:
Page 41 and 42:
Page 43 and 44: Group results in brief Segmental re
Page 47 and 48: Standard Bank Group Analysis of fin
Page 53 and 54: Balance sheet analysis Loans and ad
Page 61 and 62: Capital management Return on ordina
Page 73 and 74: Key banking legal entity informatio
Page 89 and 90: Other information and restatements
Page 93: Standard Bank Group Analysis of fin
Page 99 and 100: Contact details Standard Bank Group
show all

Standardbank Cover.indd - Standard Bank - Investor Relations

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?