confidence - Investing In Africa

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key financial indicatorsRestated*2005 2004 2003 2002 2001Earnings per Share (cents) 366 346 284 262 240Net Income before Income Taxes (Rs M) 1,501 1,366 1,186 1,029 991Net Income available to Shareholders (Rs M) 1,191 1,127 1,018 952 871Economic Value Added (Rs M)** 304 338 286 247 300Risk Adjusted Return on Capital (RAROC) (%)** 38.09 39.08 N/A N/A N/ACapital to Weighted Risk Assets (%)*** 21.78 17.79 18.16 20.55 18.70Return on Average Weighted Risk Assets (%)**** 4.01 4.11 4.23 4.46 4.29Return on Average Assets (%)***** 2.64 2.90 2.93 2.94 3.01Return on Average Tier 1 Capital (%)***** 22.41 24.13 20.29 21.34 22.28Cost to Income****** (%) 38.91 40.15 39.17 38.24 35.73Cost to Income excluding depreciation****** (%) 28.55 31.55 28.88 27.01 26.618Electronic to Gross Transactions (%) 82.00 80.00 76.00 72.00 68.00* Restated wherever applicable.** Restated for comparative purposes arising of refinements in methodology.*** Capital adequacy is computed as per regulatory requirement, since 2005, based on credit as well as operational risks of the Group.**** Average Weighted Risk Assets are calculated using year end balances.***** Averages are based on daily balances as from 2003. Prior two years are based on monthly balances.****** Grossed up for tax exempt debenture interest Income.
key financial charts350400300250200150100503503002502001501005002001 2002 2003 2004 200502001 2002 2003 2004 2005EVA (Rs Million)Earnings per Share (Cents)Dividend per Share (Cents)502540203015201010502001 2002 2003 2004 200502001 2002 2003 2004 2005Cost to Income Ratio - Grossed Up (%)Capital to Weighted Risk Assets (%)2535000201530000250002000010515000100005000902001 2002 2003 2004 200502001 2002 2003 2004 2005Return on Average Equity (%)Weighted Risk Assets (Rs Million)308252076515410532102001 2002 2003 2004 200502001 2002 2003 2004 2005Book Value per Share (Rs)Price Earnings Ratio (Times)
Page 5 and 6: embracing change with confidencecon
Page 7: Corporate ProfileSBM Group offers a
Page 12 and 13: Caution regardingforward-looking st
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Page 23 and 24: Statement of Management’s Respons
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Page 28 and 29: Financial StatementsBalance Sheets
Page 30 and 31: Financial StatementsStatements of I
Page 32 and 33: Financial StatementsCash Flow State
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Financial StatementsNotes to the Ac
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confidence to meet today’s challe
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Management Discussions & AnalysisRA
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Management Discussions & AnalysisOp
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Management Discussions & AnalysisFI
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Corporate Governance ReportSBM has
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Corporate Governance ReportCorporat
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confidence to foster growth
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Board of DirectorsHarel, Antoine L.
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Board CommitteesRemuneration Commit
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Directors of SubsidiariesSBM LEASE
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Executive ManagementCHIEF EXECUTIVE
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Executive ManagementExecutive Manag
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Group Addresses136CORPORATE OFFICES
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