NEDBANK CAPITAl - Nedbank Group Limited

OVERVIEWDefaulted loans and advances by product30 00027 04525 0002 4948871 22250420 00017 3012 4693 513Rm15 00010 0005 0002 1957911 0355831 8398899 96915 956Residential mortgageCommercial mortgageLease and instalment debtorsCredit card balancesPersonal loansProperties in possessionOther loans and advancesGROUP REPORTSTotal defaulted loans and advances2008 2009Defaulted loans and advances and related security and impairments by business cluster and asset classNedbankBusinessBankingNedbankCorporateNedbankCapitalNedbankRetailImperialBankCentralManagement2009 2008RmAdvanced Internal Ratings-basedApproach 2 787 2 781 305 17 873 – – 23 746 14 710Corporate 23 184 261 468 263Specialised lending – high-volatilitycommercial real estate 1 647 1 647 202Specialised lending – incomeproducingreal estate 56 906 962 335SME – corporate 897 43 940 468Sovereign 44 44Retail mortgages 406 14 731 15 137 8 573Retail revolving credit 483 483 427Retail – other 421 1 2 216 2 638 2 343SME – retail 984 443 1 427 2 099OPERATIONAL REVIEWSStandardised Approach – – – – 1 623 – 1 623 918Corporate 42 42SME – corporate 595 595 142Retail mortgages 65 65 36Retail other 789 789 632SME – retail 132 132 108Other regulated entities – 152 – – – – 152 225Properties in possession 9 2 – 876 – – 887 791Non-regulated entities – 97 478 62 – – 637 657Total defaulted loans andadvances 2 796 3 032 783 18 811 1 623 – 27 045 17 301GOVERNANCE149NEDBANK GROUP ANNUAL REPORT 2009