confidence - Investing In Africa

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Caution regardingforward-looking statementsSBM has made various forward-lookingstatements with respect to its financialposition, business strategy, plans andobjectives of management. Such forwardlookingstatements are identified by use ofthe forward-looking words or phrases suchas ‘expects’, ‘estimates’, ‘anticipates’,‘believes’, ‘intends’, ‘plans’ or words orphrases of similar import.By their nature, forward-looking statementsrequire us to make assumptions and aresubject to inherent risks and uncertainties.There is significant risk that predictions andother forward-looking statements will notprove to be accurate. We caution readersof this report not to place undue reliance onour forward-looking statements as anumber of factors could cause actual futureresults, conditions, actions or events to differmaterially from the targets, expectations,estimates or intentions expressed in theforward-looking statements.The future outcomes that relate to forwardlookingstatements may be influenced bymany factors, including but not limited tointerest rate and currency value fluctuations;industry and worldwide economic andpolitical conditions; regulatory and statutorydevelopments; the effects of competition inthe geographic and business areas in whichwe operate; management actions; andtechnological changes. We caution that theforegoing list of factors is not exhaustive andthat when relying on forward-lookingstatements to make decisions with respect toSBM, investors and others should carefullyconsider these factors, as well as otheruncertainties and potential events, and theinherent uncertainty of forward-lookingstatements. SBM does not undertake toupdate any forward-looking statement, thatmay be made, from time to time, by theorganisation or on its behalf.
missionValue creation forstakeholders by achievingconsistent improved returnsand continued enhancement.visionTo be the leading provider of premier integrated financial services in theregion through dedicated and competent professional teams and to createvalue for stakeholders.goalTo continuously add value to thegroup’s lines of business and toachieve consistent improved returnsfor its shareholders.SBM aims to achieve its goals bycontinuously improving operatingefficiencies; maintaining abalanced, acceptable and qualityrisk profile; effectively managing itsbalance sheet, customer servicesand deliver channels as well asmotivating its people.
Page 5 and 6: embracing change with confidencecon
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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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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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