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Full Year 2020 Results Presentation to Investors and Analysts
FULL YEAR 2020 RESULTS PRESENTATION TO INVESTORS AND ANALYSTS Disclaimer The information presented herein is based on sources which Access Bank The information should not be interpreted as advice to customers on the Plc. (the “Bank”) regards dependable. This presentation may contain purchase or sale of specific financial instruments. Access Bank Plc. bears no forward looking statements. These statements concern or may affect future responsibility in any instance for loss which may result from reliance on the matters, such as the Bank’s economic results, business plans and information. strategies, and are based upon the current expectations of the directors. Access Bank Plc. holds copyright to the information, unless expressly They are subject to a number of risks and uncertainties that might cause indicated otherwise or this is self-evident from its nature. Written permission actual results and events to differ materially from the expectations from Access Bank Plc. is required to republish the information on Access expressed in or implied by such forward looking statements. Factors that Bank or to distribute or copy such information. This shall apply regardless of could cause or contribute to differences in current expectations include, but the purpose for which it is to be republished, copied or distributed. Access are not limited to, regulatory developments, competitive conditions, Bank Plc.'s customers may, however, retain the information for their private technological developments and general economic conditions. The Bank use. assumes no responsibility to update any of the forward looking statements contained in this presentation. Transactions with financial instruments by their very nature involve high risk. -
Ecobank Group Annual Report 2018 Building
BUILDING AFRICA’S FINANCIAL FUTURE ECOBANK GROUP ANNUAL REPORT 2018 BUILDING AFRICA’S FINANCIAL FUTURE ECOBANK GROUP ANNUAL REPORT 2018 ECOBANK GROUP ANNUAL REPORT CONTENTS 05 Performance Highlights 08 Ecobank is the leading Pan-African Banking Institution 09 Business Segments 10 Our Pan-African Footprint 15 Board and Management Reports 16 Group Chairman’s Statement 22 Group Chief Executive’s Review 32 Consumer Bank 36 Commercial Bank 40 Corporate and Investment Bank 45 Corporate Governance 46 Board of Directors 48 Directors’ Biographies 53 Directors’ Report 56 Group Executive Committee 58 Corporate Governance Report 78 Sustainability Report 94 People Report 101 Risk Management 141 Business and Financial Review 163 Financial Statements 164 Statement of Directors’ Responsibilities 165 Auditors’ Report 173 Consolidated Financial Statements 178 Notes to Consolidated Financial Statements 298 Five-year Summary Financials 299 Parent Company’s Financial Statements 305 Corporate Information 3 ECOBANK GROUP ANNUAL REPORT 3 PERFORMANCE HIGHLIGHTS 5 ECOBANK GROUP ANNUAL REPORT PERFORMANCE HIGHLIGHTS For the year ended 31 December (in millions of US dollars, except per share and ratio data) 2018 2017 Selected income statement data Operating income (net revenue) 1,825 1,831 Operating expenses 1,123 1,132 Operating profit before impairment losses & taxation 702 700 Impairment losses on financial assets 264 411 Profit before tax 436 288 Profit for the year 329 229 Profit attributable to ETI shareholders 262 179 Profit attributable per share ($): Basic -
Equipment Leasing in Africa Handbook of Regional Statistics 2017 Including an Overview of 10 Years of IFC Leasing Intervention in the Region
AFRICA LEASING FACILITY II Equipment Leasing in Africa Handbook of Regional Statistics 2017 Including an overview of 10 years of IFC leasing intervention in the region © 2017 INTERNATIONAL FINANCE CORPORATION 2121 Pennsylvania Avenue, N.W., Washington, DC 20433 All rights reserved. First printing, March 2018. This document may not be reproduced in whole or in part without the written consent of the International Finance Corporation. This information, while based on sources that IFC considers to be reliable, is not guaranteed as to accuracy and does not purport to be complete. The conclusions and judgments contained in this handbook should not be attributed to, and do not necessarily represent the views of IFC, its partners, or the World Bank Group. IFC and the World Bank do not guarantee the accuracy of the data in this publication and accept no responsibility for any consequence of its use. Rights and Permissions Reference Section III. What is Leasing? and parts of Section IV. Value of Leasing in Emerging Economies are taken from IFC’s “Leasing in Development: Guidelines for Emerging Economies.” 2005, which draws upon: Halladay, Shawn D., and Sudhir P. Amembal. 1998. The Handbook of Equipment Leasing, Vol. I-II, P.R.E.P. Institute of America, Inc., New York, N.Y.: Available from Amembal, Deane & Associates. EQUIPMENT LEASING IN AFRICA: ACKNOWLEDGEMENT Acknowledgement This first edition of Equipment Leasing in Africa: A handbook of regional statistics, including an overview of 10 years of IFC leasing intervention in the region, is a collaborative efort between IFC’s Africa Leasing Facility team and the regional association of leasing practitioners, known as Africalease. -
Opportunity Everywhere JUMO Is a Full Technology Stack for Building and Running financial Services
Opportunity everywhere JUMO is a full technology stack for building and running financial services. We use advanced data science and machine learning to create JUMO partners with forward thinking banks and mobile network the fastest and leanest financial services infrastructure. Our stack operators to connect consumers and small businesses with financial comprises an advanced data engine, end-to-end banking opportunity. Through these partnerships, JUMO has transformed the technology and flexible operating platform used by our partners unit economics of delivering a US$100 loan by more than 10x and in to deploy savings, lending and insurance products to previously just five years we have disbursed more than US$1B in loans to more unserved entrepreneurs in emerging markets. than 13 million people across six global markets. Our mission JUMO is powering a new wave of financial tools, enabling millions of people to prosper, build their businesses and drive economic growth. Loans built and run by JUMO Partner Country QWIKLOAN MTN & Letshego Ghana Xpressloan MTN & Ecobank Ghana KopaCash Airtel Kenya Easypaisa Telenor and Telenor Microfinance bank Pakistan Active markets Nivushe Tigo Tanzania Ghana TIMIZA Airtel Tanzania Kenya Wewole Airtel Uganda Pakistan KASAKA loans MTN & Barclays Africa Zambia Tanzania Na Sova Airtel Zambia Uganda Zambia Savings built and run by JUMO Partner Country TIMIZA Akiba Airtel & Barclays Africa Tanzania KASAKA savings MTN & Barclays Africa Zambia History and highlights 2015 2016 2017 ● JUMO was founded in London by Andrew Watkins-Ball, with a ● The first funding partner was introduced to the ● JUMO won the Mastercard Foundation vision of reimagining finance in emerging markets. -
Transformation in Banking Report 2019
February 2020 TRANSFORMATION in banking 2016 - 2018 Contents 1. Foreword 2 2. Highlights 3 3. Introduction 4 4. Methodology 5 5. Data and analysis 6 About this report Ownership 7 This report is produced by Intellidex (Pty) Ltd Management 8 1st Floor, Building 3 Skills development 12 Inanda Greens Office Park 54 Wierda Road West Socioeconomic development 14 Sandton South Africa Procurement 14 Email: [email protected] Consumer education 15 Web: www.intellidex.co.za Tel: +27 (0)10 072 0472 Empowerment financing 17 Disclaimer Intellidex was commissioned by the Banking While Intellidex believes all information in this report to be accurate, Intellidex makes no representations Transformational infrastructure 17 Association South Africa (BASA) to produce or warranties regarding the completeness, accuracy this report from data supplied from member or reliability of any information, facts, estimates, forecasts or opinions contained in this document. The Black agricultural financing 18 banks. information and opinions could change at any time without prior notice. Intellidex, its directors, officers, The report reflects transformation in the staff, agents or associates shall have no liability for Black SME financing 18 any loss or damage of any nature arising from the use banking industry and its progress towards of this document. achieving the targets set out in the Financial Affordable housing 19 Sector Code. Copyright Supplier development contribution 20 ©2020. This document is copyrighted to the Banking The publication serves as a report to society Association South Africa. It may be distributed in on the contribution of the banking industry this form without prior permission, but prior written B-BBEE transaction financing 20 permission must be obtained before using the to the development of the country, and content in another form. -
2020 Sustainability Report
2020 Sustainability Report Fine Hygienic Holding 2020 Sustainability Report (UN Global Compact Communication on Progress – 2020) This is Fine Hygienic Holding’s 13th sustainability report, and it covers the period from January 1, through December 31, 2020. This report was prepared using the Global Compact principles based on the basic reporting level and will be published publicly during June 2021. The data in the report pertains to the key sustainability aspects of our FHH operations and subsidiaries (where we exert full control while excluding joint venture and outsourced manufacturing) in Jordan, Egypt, Iraq, Lebanon, Morocco, KSA, and the UAE. The report is consolidated by the Corporate Communication Department at FHH’s headquarters, and the accuracy of data is confirmed by the related reporting departments. For any information, you may contact us at: [email protected]. For more information about the Global Compact principles, please visit: https://www.globalreporting.org/Pages/default.aspx. For more information about Fine Hygienic Holding, please visit: www.finehh.com. 1 | P a g e Index 1. Letter from the CEO 2. About Fine Hygienic Holding o Our Approach to Corporate Social Responsibility o Our Sustainability Strategy o The United Nations Sustainable Development Goals 3. Human Rights o Principle 1: Businesses should support and respect the protection of internationally proclaimed human rights; and o Principle 2: make sure that they are not complicit in human rights abuses. 4. Labor o Principle 3: Businesses should uphold the freedom of association and the effective recognition of the right to collective bargaining; o Principle 4: the elimination of all forms of forced and compulsory labor; o Principle 5: the effective abolition of child labor; and o Principle 6: the elimination of discrimination in respect of employment and occupation. -
Obonye Malope Head of Marketing and Corporate Relations, Barclays Bank of Botswana +267 367 2803 +267 7155 3355
28 June 2019 For Immediate Release Barclays Bank of Botswana Board announces a new name. Barclays Bank of Botswana Ltd (Barclays) shareholders on Thursday 27 June approved a change of the bank’s company name to Absa Bank Botswana Limited (Absa) in quarter one 2020, setting in motion the start of one of the largest re-brand projects in Botswana. We are excited to share this important news and how this will benefit our customers. “The vote in support of our name change marks another milestone in our journey to become part of an independent pan-African banking group with global reach,” said Oduetse Motshidisi, Chairman of Barclays. Subject to regulatory approval, the new name will take effect in quarter one 2020, thus leading to a change in our share code on the Botswana Stock Exchange bourse, from BBB to ABBL by 6 June 2020. The commitment we have towards our customers and shareholders remains our highest priority. By re-branding and aligning with the parent company name, we are changing to a brand that is reflective of our African identity – this is an enormous opportunity as we create a future-fit and digitally led bank. The reputation and equity built under the Barclays brand are valuable assets; however the new name positions us favorably as well. “Over the past 69 years, we have built a strong reputation for quality and innovation as a leading financial services institution,” said Oduetse Motshidisi. “Our market research confirmed that changing our name to Absa is the most appropriate -move for all our stakeholders. -
Financial Inclusion Policy
AN INCLUSIVE FINANCIAL SECTOR FOR ALL Draft for consultation AN INCLUSIVE FINANCIAL SECTOR FOR ALL Draft for consultation To obtain additional copies of this document, please contact: Communications Directorate, National Treasury, Private Bag X115 Pretoria, 0001, South Africa Tel: +27 12 315 5757 | Fax: +27 12 406 9055 The document is also available on the internet at: www.treasury.gov.za AN INCLUSIVE FINANCIAL SECTOR FOR ALL Draft for consultation TABLE OF CONTENTS LIST OF ACRONYMS, FIGURES, AND TABLES ........... vii 3.1.3. Treating customers fairly (TCF) EXECUTIVE SUMMARY ................................................ 1 framework ................................................................... 31 1 INTRODUCTION ..................................................... 8 3.1.4. Financial Sector Regulation Act ..................... 31 1.1. What is financial inclusion 3.1.5. Parliamentary enquiry into and why is it important? ........................................................8 transformation of the financial sector ....... 32 1.2. Policy objectives and scope ............................................. 12 3.1.6. The Financial Intelligence Centre Act ........ 33 1.2.1. Objectives .................................................................... 12 3.1.7. Insurance Act ............................................................ 33 1.2.2. Scope ............................................................................. 12 3.1.8. Review of banking and payment methods in distributing social grants ........ 34 2 SOUTH AFRICA’S -
Consolidated Annual Financial Statements
BARLOWORLD LIMITED CONSOLIDATED ANNUAL FINANCIAL STATEMENT 30 SEPTEMBER 2020 Group Finance Director’s Review Financial performance for the year ended 30 September 2020 Group revenue for the year decreased by 17% to R49.7 billion (2019: R60.2 billion). Equipment Southern Africa’s revenue declined by 14% against the prior year but strong against the COVID-19 impact forecast resulting largely from good mining machine sales and resilient aftermarket activity levels. Despite the COVID-19 pandemic and geopolitical challenges Equipment Eurasia revenue increased by 22% benefiting from strong levels of mining activity, particularly in the gold sector. Equipment Eurasia represents our combined Russian and Mongolian Caterpillar operations. Included is one month’s trading results for Barloworld Mongolia that was acquired on 1 September 2020. The Automotive revenue, excluding NMI-DSM which is now equity accounted for, was down 15% in the current year. On a positive note strong used vehicle sales volumes and margins in this segment are being maintained, with cash generation supported by the disposal of properties as well as the right size of the Avis businesses fleet. In Logistics, revenue declined by 27% against the prior year on the back of the contraction of the Transport and Supply Chain Management markets resulting from weaker demand for goods and services. The weakening ZAR resulted in a year to date increase in revenue of R1.3 billion (2.8%) with the bulk of the increase in Equipment Southern Africa and Russia. The EBITDA of R4.8 billion was 25% down (2019: R6.5 billion) with the impact of IFRS 16: Leases for the 2020 financial year, being a favourable R549 million in leasing charges no longer included in EBITDA. -
2018 Sustainability Report
2018 Sustainability Report Fine Hygienic Holding 2018 Sustainability Report (UN Global Compact Communication on Progress – 2018) This is Fine Hygienic Holding’s 11th sustainability report, and it covers the period from January 1, through December 31, 2018. This report was prepared using the Global Compact principles based on the basic reporting level and will be published publicly during December 2019. The data in the report pertains to the key sustainability aspects of our FHH operations and subsidiaries (where we exert full control while excluding joint venture and outsourced manufacturing) in Jordan, Egypt, Iraq, Lebanon, Morocco, KSA, and the UAE. The report is consolidated by the Corporate Communication Department at FHH’s headquarters, and the accuracy of data is confirmed by the related reporting departments. For any information, you may contact us at: [email protected]. For more information about the Global Compact principles, please visit: https://www.globalreporting.org/Pages/default.aspx. For more information about Fine Hygienic Holding, please visit: www.finehh.com. 1 | P a g e Index 1. CEO Statement of Continuing Support 2. About Fine Hygienic Holding o Our Approach to Corporate Social Responsibility o Our Sustainability Strategy o The United Nations Sustainable Development Goals 3. Human Rights o Principle 1: Businesses should support and respect the protection of internationally proclaimed human rights; and o Principle 2: make sure that they are not complicit in human rights abuses. 4. Labor o Principle 3: Businesses should uphold the freedom of association and the effective recognition of the right to collective bargaining; o Principle 4: the elimination of all forms of forced and compulsory labor; o Principle 5: the effective abolition of child labor; and o Principle 6: the elimination of discrimination in respect of employment and occupation. -
Corporate Brochure
BUILDING INTELLIGENT SOLUTIONS FOR DATA-DRIVEN ENTERPRISES Datamatics is a technology company Automation, Intelligent Data Capture, that builds intelligent solutions for Advanced Analytics, Business data-driven enterprises to improve Intelligence and Automated Fare their productivity and customer Collection. Datamatics services over experience. 550 clients across diverse verticals including Banking & Financial Services, The company portfolio spans across Insurance, Manufacturing, Information Technology Services, Transport, Travel & Hospitality, Media Business Process Management, & Publishing, Retail, and Engineering Services and Big Data & e-Commerce. Headquartered in Analytics, which are powered by Mumbai, the company has strong Artificial Intelligence. presence in the USA, Australia, Asia, Europe, and the Middle East with Datamatics also has established global employee strength of products in Robotic Process 10,000+. 450+550+ 10,000+ Customers across the globe Employees world wide Delivery centers in USA, India, Europe and Philippines IT SOLUTIONS BUSINESS PROCESS MANAGEMENT • Cloud Services • Application Management • Finance & Accounting • Publishing • Robotic Test Automation Services • Banking Process Management • Retail /e-Commerce • Enterprise Content Mgmt. • Enterprise Mobility • Insurance Process Management • BPaaS & Workflow Solutions • Virtual & Augmented Reality • Customer Support Service • Robotic Process • Web Design & • Digital Consulting Automation (RPA) Development BIG DATA & ANALYTICS ENGINEERING SERVICES • Research & Analytics -
Directory of Financial Institutions Operating in Botswana As at December 31, 2019
PAPER 4 BANK OF BOTSWANA DIRECTORY OF FINANCIAL INSTITUTIONS OPERATING IN BOTSWANA AS AT DECEMBER 31, 2019 PREPARED AND DISTRIBUTED BY THE BANKING SUPERVISION DEPARTMENT BANK OF BOTSWANA Foreword This directory is compiled and distributed by the Banking Supervision Department of the Bank of Botswana. While every effort has been made to ensure the accuracy of the information contained in this directory, such information is subject to frequent revision, and thus the Bank accepts no responsibility for the continuing accuracy of the information. Interested parties are advised to contact the respective financial institutions directly for any information they require. This directory excludes collective investment undertakings and International Financial Services Centre non-bank entities, whose regulation and supervision falls within the purview of the Non-Bank Financial Institutions Regulatory Authority. Lesedi S Senatla DIRECTOR BANKING SUPERVISION DEPARTMENT 2 DIRECTORY OF FINANCIAL INSTITUTIONS OPERATING IN BOTSWANA TABLE OF CONTENTS 1. CENTRAL BANK ..................................................................................................................................... 5 2. COMMERCIAL BANKS ........................................................................................................................... 7 2.1 ABSA BANK BOTSWANA LIMITED ........................................................................................................... 7 2.2 AFRICAN BANKING CORPORATION OF BOTSWANA LIMITED ..................................................................