- Page 18 and 19: OVERVIEWReview of 2009In the most c
- Page 20 and 21: OVERVIEWincreases in the acquisitio
- Page 22 and 23: GOVERNANCEOPERATIONAL REVIEWSGROUP
- Page 24: OVERVIEWReview of 2009The difficult
- Page 28 and 29: GOVERNANCEOPERATIONAL REVIEWSGROUP
- Page 30 and 31: OVERVIEWIn August 2009 Nedbank Grou
- Page 32 and 33: Description of functionsGroup Finan
- Page 34 and 35: IntroductionThe performance of Nedb
- Page 36 and 37: OVERVIEW2009 20083,39%3,66%lessImpa
- Page 38 and 39: OVERVIEWKey financial indicatorsFor
- Page 40 and 41: NIRNIR, including the consolidation
- Page 43 and 44: CHIEF FINANCIAL OFFICER’S REPORT
- Page 45 and 46: CHIEF FINANCIAL OFFICER’S REPORT
- Page 47 and 48: shareholders’ analysisfor the yea
- Page 49 and 50: OPERATIONAL REVIEWgroup technologyF
- Page 51 and 52: GROUP TECHNOLOGY ... continuedmostl
- Page 53 and 54:
OPERATIONAL REVIEWGROUP STRAtegy AN
- Page 55 and 56:
OPERATIONAL REVIEWGROUP marketing,c
- Page 57 and 58:
OPERATIONAL REVIEWstrategic plannin
- Page 59:
group humanresources andemployment
- Page 62 and 63:
OVERVIEWin years to come and is a c
- Page 64 and 65:
employment equity reportOVERVIEWEmp
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OVERVIEWEE - based on dti Codes (at
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2 Category B, C and D programmesTit
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5 BursariesTitleTotalintake2009 200
- Page 72 and 73:
Trevor performed the leadershiprole
- Page 74 and 75:
OVERVIEWAs the Chief Risk Officer o
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OVERVIEWBackgroundIn 2009 the local
- Page 78 and 79:
OVERVIEW• Addressing systemic ris
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OVERVIEW− Reducing the minimum ta
- Page 82 and 83:
OVERVIEWAccordingly we established
- Page 84 and 85:
OVERVIEWRisk appetite - enhanced su
- Page 86 and 87:
Risk managementSummary of perspecti
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OVERVIEWThe group has focused on se
- Page 90 and 91:
Balance sheet credit exposure 3 by
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Summary of the AIRB Approach for Ne
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Summary of impairments, defaulted l
- Page 96 and 97:
Summary of impairmentsRmNedbankBusi
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OVERVIEWDefaulted loans and advance
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OVERVIEWSummary of impairments and
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Top 20 Nedbank Group exposures (ban
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Counterparty credit riskCounterpart
- Page 106 and 107:
Securities financing transactions (
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The table below contains a summary
- Page 110 and 111:
Trading market risk profileThe tabl
- Page 112 and 113:
The following histogram illustrates
- Page 114 and 115:
InvestmentsRmPublicly listed Privat
- Page 116 and 117:
Balance sheet managementEstablished
- Page 118 and 119:
Asset and liability managementAsset
- Page 120 and 121:
OVERVIEWThe additional disclosure b
- Page 122 and 123:
Interest rate repricing profile80 0
- Page 124 and 125:
OVERVIEWForex-sensitive portion of
- Page 126 and 127:
These decreases were offset by an i
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OVERVIEWNedbank’s subordinated de
- Page 130 and 131:
The impact of these changes at 2009
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OVERVIEWEconomic capital requiremen
- Page 134 and 135:
Cost of equityFollowing a shift in
- Page 136:
OVERVIEWThe rating actions are summ