NEDBANK CAPITAl - Nedbank Group Limited

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OVERVIEWSummary of impairments and defaulted loans and advances continuedDefaultedloans andadvancesRmExpectedrecoveriesRmNetuncoveredpositionafterdiscountingRmTotalspecificimpairmentsRmSpecificimpairmentson defaultedloans andadvancesRmSpecificimpairmentsfordiscountedcashflowlossesRmCoverageratio%Expectedrecoveryratio%2008Group 17 301 11 759 5 542 5 542 4 566 976 32,0 68,0Residential mortgages 9 969 8 220 1 749 1 749 1 300 449 17,5 82,5Commercial mortgages 889 556 333 333 240 93 37,5 62,5Lease and instalment debtors 1 839 770 1 069 1 069 924 145 58,1 41,9Credit card balances 583 38 545 545 541 4 93,5 6,5Personal loans 1 035 422 613 613 411 202 59,2 40,8Properties in possession 791 664 127 127 127 16,1 83,9Other loans and advances 2 195 1 089 1 106 1 106 1 023 83 50,4 49,6GROUP REPORTSProperties in possessionRmNedbankBusinessBankingNedbankCorporateNedbankCapitalNedbankRetailImperialBankCentralManagement 2009 2008Balance at the beginning of the period 18 3 770 791 308Disposal/Writedowns/Revaluations (13) (1) (566) (580) (76)Properties in possession acquiredduring the period 4 672 676 559Balance at the end of the period 9 2 – 876 – – 887 791Unsold 3 2 560 565 655Sold awaiting transfer 6 316 322 136Properties in possession (PIPs) reconciliationOPERATIONAL REVIEWS900887800791700136322Rm600500400559 (580)676Awaiting transferUnsold300200308109(76)655565Total100199Disposal/ PIPsDisposal/ PIPs2007 Writedown/ acquired 2008 Writedown/ acquired 2009Revaluation during periodRevaluation during periodGOVERNANCE151NEDBANK GROUP ANNUAL REPORT 2009
isk and BALANCE SHEET management reportCredit concentration riskSingle-name credit concentrationOur top-20-exposure analysis, in particular the ‘percentage of total group credit economic capital’, confirms that Nedbank Groupdoes not have undue single-name credit concentration risk. Nedbank Group’s credit concentration risk measurement incorporatesthe asset size of obligors/borrowers into its calculation of credit economic capital. Single-name concentration is monitored at allcredit committees, which includes the applicable regulatory and economic capital per exposure.Nedbank Group also conducts stress testing of single-name large exposures, and their potential impact on capital ratios, in ourstress and scenario testing in assessing the capital adequacy buffers.Top 20 Nedbank Group exposures (excluding banks and government exposure)2009NoInternal NedbankGroup Rating (NGR)(probability ofdefault) ratingExposure at defaultRm% of total groupcredit economic capital1 NGR04 4 871 0,022 NGR04 4 396 0,173 NGR03 3 896 0,024 NGR08 3 383 0,235 NGR04 3 148 0,106 NGR09 3 245 0,247 NGR03 3 125 0,028 NGR04 2 701 0,019 NGR16 2 646 0,3510 NGR03 2 628 0,0011 NGR04 2 389 0,0212 NGR07 2 368 0,0813 NGR03 2 293 0,0114 NGR08 2 280 0,1415 NGR15 2 258 0,6416 NGR06 2 239 0,1017 NGR10 2 119 0,0518 NGR12 2 058 0,2819 NGR14 2 042 0,5920 NGR08 1 797 0,12Total of top 20 exposures 55 882 3,19Total group 597 411152NEDBANK GROUP ANNUAL REPORT 2009
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CHIEF operating OFFICER’S REPORT
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CHIEF FINANCIAL OFFICER’S REPORT
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OVERVIEWGROUP ECONOMIC CAPITALGroup
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GOVERNANCEOPERATIONAL REVIEWSGROUP
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Major shareholders/managersNumberof
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