Overview of financial results - Standard Bank - Investor Relations
Overview of financial results - Standard Bank - Investor Relations
Overview of financial results - Standard Bank - Investor Relations
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Group <strong>results</strong><br />
in brief<br />
Segmental<br />
reporting<br />
Income statement<br />
analysis<br />
Balance sheet<br />
analysis<br />
Capital<br />
management<br />
Key banking legal<br />
entity information<br />
Other information<br />
and restatements<br />
Shareholder<br />
information<br />
Segmental structure for key business units<br />
<strong>Standard</strong> <strong>Bank</strong> Group<br />
Personal & Business<br />
<strong>Bank</strong>ing<br />
<strong>Bank</strong>ing and other <strong>financial</strong> services<br />
to individual customers and<br />
small- to medium-sized enterprises<br />
in South Africa, the rest <strong>of</strong> Africa<br />
and the Channel Islands<br />
What we <strong>of</strong>fer<br />
Mortgage lending<br />
– Residential accommodation loans<br />
to mainly personal market<br />
customers<br />
Instalment sale and finance<br />
leases<br />
– Finance <strong>of</strong> vehicles for personal<br />
market customers<br />
– Finance <strong>of</strong> vehicles and equipment<br />
in the business market<br />
Card products<br />
– Credit card facilities to individuals<br />
and businesses<br />
(credit card issuing)<br />
– Merchant transaction acquiring<br />
services (card acquiring)<br />
Transactional products<br />
– Comprehensive suite <strong>of</strong><br />
transactional, savings and<br />
investment products. This includes<br />
deposit taking activities, electronic<br />
banking and debit card facilities<br />
Lending products<br />
– Lending products <strong>of</strong>fered to both<br />
personal and business markets<br />
Bancassurance and wealth<br />
– Short-term and long-term<br />
insurance comprising:<br />
– simple embedded products<br />
including homeowners’<br />
insurance, funeral cover,<br />
household contents and vehicle<br />
insurance and loan protection<br />
plans sold in conjunction with<br />
related banking products<br />
– complex insurance products<br />
including life, disability and<br />
investment policies sold by<br />
qualified intermediaries<br />
– Financial planning<br />
– Wealth services<br />
Corporate & Investment<br />
<strong>Bank</strong>ing<br />
Corporate and investment banking<br />
services to governments,<br />
parastatals, larger corporates,<br />
<strong>financial</strong> institutions and<br />
international counterparties<br />
What we <strong>of</strong>fer<br />
Global markets<br />
– Fixed income and currencies (FIC)<br />
– Commodities<br />
– Equities<br />
Transactional products and<br />
services<br />
– Transactional banking<br />
– <strong>Investor</strong> services<br />
– Trade finance<br />
Investment banking<br />
– Advisory<br />
– Debt products<br />
– Structured finance<br />
– Structured trade and commodity<br />
finance<br />
– Debt capital markets<br />
– Equity capital markets<br />
Real estate and principal<br />
investment management<br />
– Real estate finance<br />
– Investments in real estate<br />
– Principal investment management<br />
Liberty<br />
Life insurance and investment<br />
management activities <strong>of</strong> group<br />
companies in the Liberty Holdings<br />
Group<br />
What we <strong>of</strong>fer<br />
– Long-term investments<br />
– Long-term risk – life and disability<br />
– Pension fund management<br />
– Asset management<br />
– Endowment and retirement<br />
annuities<br />
– Corporate benefits<br />
– Healthcare and health insurance<br />
– Investment-related advice and<br />
solutions<br />
Central and other<br />
– Includes the impact <strong>of</strong> the Tutuwa<br />
initiative, group hedging activities,<br />
group capital instruments, group<br />
surplus capital and strategic<br />
acquisition costs<br />
– Includes the <strong>results</strong> <strong>of</strong> centralised<br />
support functions (back <strong>of</strong>fice),<br />
including those functions that<br />
were previously embedded in the<br />
business segments. The direct<br />
costs <strong>of</strong> support functions are<br />
recharged to the business<br />
segments<br />
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