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I ntegrated A nnual R eport

I ntegrated A nnual R eport. August 2014. I ntegrated A nnual R eport. Agenda 1. Opening remarks – Programme Director 09h00 Welcome, Address Speech by Dr Ben Ngubane , Chairman of the Board Speech by the Honourable Deputy Minister, Mr Mcebisi Jonas

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I ntegrated A nnual R eport

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  1. IntegratedAnnualReport August 2014

  2. IntegratedAnnualReport • Agenda • 1. Opening remarks – Programme Director 09h00 • Welcome, Address Speech by Dr Ben Ngubane, Chairman of the Board • Speech by the Honourable Deputy Minister, MrMcebisi Jonas • Presentation by the ACEO, Ms Lindiwe Mdlalose • Presentation by the CFO, Mr Lebogang Serithi • Q & A • 7. Light Lunch 11h00 18 August 2014

  3. IntegratedAnnualReport August 2014

  4. Agenda • Background • Total agricultural debt and Land Bank market share • Loan book performance • Development • Conclusion

  5. Background • Global and domestic economic growth forecasts lower • Lower food prices inflation • Sector dependency on debt • Stakeholder accountability and operational sustainability • Transformation, Environment and Social Sustainability • Enhanced partnerships to support development farmers • Fitch upgrade to AA+

  6. Total Agricultural Debt and Land Bank Market share Total R102,5bn

  7. Loan Book Performance • Performing loan book grow by R6.5 billion or 24.6% to R33.0 billion • Non-performing loans declined from 4,9% to 3,2%

  8. Development Government funding Multilateral funding New development needs to grow R3.3 billion from FY2016/17 to a total of R6bn Funding model % profit for development % profit for development

  9. Development impact One employment opportunity constitutes 240 days worked per year

  10. Conclusion and Way Forward Conclusion: • Global and operating environment • Operate within acceptable risk tolerances and in a social, sustainable and responsible manner • Land Bank as a DFI need to play a bigger role in the agricultural space. • Collaboration with strategic partners Way forward: • The bank is on track to meet the 2016 Corporate Landscape • Land Bank Support NDP objectives

  11. Thank you

  12. IntegratedAnnualReport August 2014

  13. Agenda • Financial highlights (Group) • Statement of Profit and Loss and Other Comprehensive Income (Banking Operations) • Profit and loss • Net interest margin (“NIM”) • Operating expenses • Cost efficiency (Continuing Operations) • Segmental review • Statement of Financial Position • Loan book quality and composition • Liquidity and cash management • Capital and funding

  14. Group Financial Highlights

  15. Financial Highlights (Group)

  16. Statement of Profit and Loss and Other Comprehensive Income (Banking Operations)

  17. Statement of PL and OCI (Banking Operations)

  18. Net Interest Margin (“NIM”)

  19. Operating Expenses

  20. Operating Efficiency: Cost-to-Income (Continuing Ops)

  21. Segmental Review

  22. Statement of Financial Position

  23. Loan Book QualityConsolidated

  24. Loan Book QualityBusiness & Corporate Banking

  25. Loan Book QualityRetail Commercial Banking

  26. Loan Book QualityRetail Emerging Markets

  27. Liquidity & Cash Management

  28. Equity and Reserves

  29. Capital Adequacy

  30. Funding Composition

  31. Funding Maturity Profile

  32. Funding Maturity Profile

  33. Thank you

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