Detailed Report - Nedbank Group Limited

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BlackSMEFinancingSMEsplayacriticalroleinjobcreation,incomegenerationandtheeconomicgrowthofthecountry.NedbankisawareofthechallengesthatrestrictthegrowthanddevelopmentofSMEs.Asabankwearecommittedtocreatinganenablingenvironmentthatprovidesopportunityforbusinessestobecomesustainable,jobcreatingenterprisesinthecountry.Nedbank’ssupporttoSMEsextendstolocallybasedteamssituatedinmorethan70regionalofficesacrossthecountry.SMEshaveaccesstoadedicatedskilledbanker,whoissupportedbyateamofspecialists.Solutionsarecustomisedfromasuiteofproductsandservicetomeettheindividualbusinessneed.ThisisfurtheraugmentedwithacomprehensiveEnterpriseDevelopmentproposition.Thepropositionoffersenterprisesandentrepreneurseasieraccesstofinanceunderpinnedbytraining,mentorship,specialistadvisoryservicesandcapacitybuilding.3304entrepreneursreceivedassistanceintheformoftraining,mentorship,fundingorparticipationinincubators.Thesewereall100%blackownedbusinesses,locatedinKZN,FreeState,Mpumalanga,Gauteng,WesternandNorthernCape.NedbankBusinessBankingimplementedvariousinitiativessupportingSMEdevelopment.Thisincludedthefollowing:GovernmentparticipationNedbankBusinessBankingfacilitatedvariousinitiativeswithvariousMunicipalitiesandProvincialGovernment.Government’seconomicdevelopmentplansarehamperedbylegaciesofskillsshortages,pooreducationandunemployment.Afterextensiveengagement,initiativeswereselectedforthepotentialtodevelopsustainableSMEsintoprofitablebusinesses.Theseinterventionswerebasedonthecommonobjectivesofsupportingentrepreneursandcreatingsustainablejobs.Itincludedtheprovisionoftrainingwithindepthcoachingandmentoring.Otherinitiativesentailedcapacitybuildingforpotentialandexistingsuppliers;andbusinessskillstrainingforemergingentrepreneurs.SMEIncubatorsNedbanksupportsandhavearrangementswithvariousSMEincubatorprogrammesthatfocusonempoweringbusinessestobecomesustainable,jobcreatingenterprises.NedbankBusinessBankingpartneredacorporateinanEntrepreneurialTrainingandDevelopmentInitiativein2010.Theprogrammefocusesoncreatingsustainableenterprisesbyprovidingrelevantentrepreneurialknowledge,skillsandmentorship.NedbankprovidedgrantfundingaswellasFinancialManagementtraining.Additionalnonrecoverablefundingwasprovidedfortheprogrammefor2011.CapacitybuildingandmentorshipVariousclientsreceivedmentorshiptoaddressspecificskillsgapandtransferofacumeninparticularfacetsofthebusiness.Thisincluded:specialistsectorexpertise,corporategovernance,marketingandstrategicplanningtogrowandexpandthebusiness.Workshops,seminarsandnetworkingeventsAspartofNedbankBusinessBanking’songoingsupport,businessseminarswerehostedforSMEsacrossvariousindustries.Seminarsarestructuredaroundissuesthatarerelevanttotheentrepreneur.SMEswereexposedtotalksonrelevanttopicsandhadopportunitytointeractwithkeyindustryplayers.Entrepreneursalsobenefittedfromnetworkingopportunitiesandcouldsourceandconnectwithpotentialbuyersandsuppliers.NedbankGroupTransformationReport2011–FinalDraft.49
BlackSMEprovincialtableanalysis:Valueofloansoriginatedasof1January2009to31December2011Province LoanSize Turnover05m 5m 10m 10m 15m 15m 20m >20m UnknownEasternCape 0500k R21416321 R1819080 R1798223 R1749214 R21416321500k1mil R21665134 R8384491 R2423322 R3308568 R216651341mil2mil R36281273 R2813128 R11489580 R5309683 R19169566 R36281273>2mil R2912442 R257104 R893790 R20388 R1517392 R2912442FreeState 0500k R3115746 R902151 R103649 R3115746500k1mil R7097371 R70973711mil2mil R173949661 R526642 R5446821 R28638132 R173949661>2mil R50965318 R2760870 R5051258 R4738017 R7752279 R50965318Gauteng 0500k R54989741 R17309678 R13552152 R6256159 R10973224 R54989741500k1mil R72268591 R21818952 R6613817 R17323514 R23289734 R722685911mil2mil R593466058 R120356961 R114018645 R24681770 R200686230 R593466058>2mil R53344901 R6888837 R1269830 R1976252 R3484612 R53344901KwaZuluNatal 0500k R62496163 R10012686 R3850804 R6404968 R8720943 R62496163500k1mil R73837857 R41137272 R15392275 R10062894 R16326950 R738378571mil2mil R570114918 R83059115 R43427663 R104279031 R159683371 R570114918>2mil R21416321 R1819080 R1798223 R1749214 R21416321Limpopo 0500k R12134431 R1335314 R1257933 R196556 R544620 R12134431500k1mil R10571235 R4667658 R762960 R1213846 R608585 R105712351mil2mil R11035085 R9932915 R1335596 R11035085>2mil R89841924 R25191356 R16099652 R3126793 R32529919 R89841924Mpumalanga 0500k R13045343 R376501 R441306 R663431 R642845 R13045343500k1mil R12944321 R580988 R1461800 R1794238 R730051 R129443211mil2mil R19631823 R2838383 R1718385 R1754388 R1050848 R19631823>2mil R64329159 R5012658 R8902129 R31176982 R9861334 R64329159NorthWest 0500k R2297954 R40189 R242198 R130000 R2297954500k1mil R2445171 R489965 R800768 R400000 R2413808 R24451711mil2mil R2032021 R400000 R2032021>2mil R10996271 R2352269 R10996271NorthernCape 0500k R1688682 R56660 R18239 R191668 R2535 R1688682500k1mil R1447004 R962380 R14470041mil2mil R247765 R1014585 >2mil R2105333 R12888647 R2105333WesternCape 0500k R25314210 R3343518 R621535 R1784158 R1688928 R25314210500k1mil R24350957 R5934712 R1870578 R2491911 R3213060 R243509571mil2mil R51332304 R5894422 R3137161 R1955551 R10073380 R51332304>2mil R179082887 R12754995 R14798270 R23833163 R31660300 R179082887Other 0500k R4443898 R147348 R324508 R179713 R4443898500k1mil R1201231 R12012311mil2mil R1066604 R1066604>2mil R2214212 R2214212Total 0500k R187840582 R17231758 R9970775 R10099651 R16017694 R187840582500k1mil R194977891 R40814767 R25961816 R19613986 R26659671 R1949778911mil2mil R259966791 R89854201 R30620556 R31096347 R55064065 R259966791>2mil R1722381696 R251540482 R209262581 R197854243 R495117498 R1722381696R3891947051NedbankGroupTransformationReport2011–FinalDraft.50
Page 1 and 2: DetailedReport1.OwnershipNedbank’
Page 3 and 4: ValuecreatedThefollowingtabledepict
Page 5 and 6: Notes:IntermsofNedbankGrouppolicy,a
Page 7 and 8: StatsSA,inresponsetoaprevioustalkby
Page 9 and 10: Thecampaignincludedthefollowinginit
Page 11 and 12: NedbankGrEmploymenOccuTopManagemSen
Page 13 and 14: NedbankGrTable4a:SkCategorySkillsEx
Page 15 and 16: 2. LearningProgrammesa) NedbankGrad
Page 17 and 18: 3. EducationAssistancea) Internalbu
Page 19 and 20: AcademiesandCoachingforGrowtha) Aca
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Page 23 and 24: 6.EnterpriseDevelopmentEnterpriseDe
Page 25 and 26: RetailFreeBusinessManagementSeminar
Page 27 and 28: NedbankGr7.SocIntermsoftscorecard,w
Page 29 and 30: NedbankGroupTransformationReport201
Page 31 and 32: UniversityofLimpopoUniversityofPret
Page 33 and 34: In2011theexistingmaterialwasreviewe
Page 35 and 36: 8.AccesstoFinancialServicesAlthough
Page 37 and 38: NedbankKeYonaNedbankunderstandsthat
Page 39 and 40: NedbankGroupTransformationReport201
Page 41: AgricultureDevelopmentprovincialtab
Page 45 and 46: 9.EmpowermentFinancingConsistingoft
Page 47 and 48: significanthedgingfacilitiestoNeote

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