Abch analyst presentation  31 dec 2010 v5-final-14_march_2011
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Abch analyst presentation 31 dec 2010 v5-final-14_march_2011

Abch analyst presentation 31 dec 2010 v5-final-14_march_2011

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Abch analyst presentation 31 dec 2010 v5-final-14_march_2011 Presentation Transcript

  • 1. BancABC Full Year Financial Results 201014 March 2011
  • 2. AGENDA
    • Highlights
    • 3. Economic overview
    • 4. Financial review
    • 5. Operational overview
    • 6. Strategy and outlook
  • HIGHLIGHTS
    Douglas Munatsi
  • 7. Financial Highlights
    4
    BancABC Full Year Financial Results 2010
  • 8. Financial Highlights (cont’d)
    5
    BancABC Full Year Financial Results 2010
  • 9. Operational Highlights
    6
    BancABC Full Year Financial Results 2010
  • 10. ECONOMIC OVERVIEW
    Douglas Munatsi
  • 11. 8
    Economic Overview
    BancABC Full Year Financial Results 2010
  • 12. 9
    Economic Overview
  • 13. Economic Growth Outlook & Size of Markets (USD m)
    10
  • 14. Economic Growth in ABC Markets
    11
    BancABC Full Year Financial Results 2010
  • 15. ABC Markets Banking Sector Landscape As of Oct-10
    12
    * * GDP for 2010
    * As of Dec-10
  • 16. Banking Sector Deposits and Loans
    13
    BancABC Full Year Financial Results 2010
  • 17. 14
    Annual Inflation Trends
    BancABC Full Year Financial Results 2010
  • 18. Interest Rate Profiles
    15
    BancABC Full Year Financial Results 2010
    Source: Respective Central Banks
  • 19. 16
    Exchange Rate Movement vs. USD
    BancABC Full Year Financial Results 2010
  • 20. 17
    BWP vsExchange Rates
    Ex Rate Movement of BWP against Foreign Currency
    Depreciation
    Appreciation
  • 21. FINANCIAL REVIEW
    Beki Moyo
    18
  • 22. Income Statement
    19
  • 23. Income Statement (USD)
    20
  • 24. Attributable Profit Trends
    21
  • 25. Income Statement – Segmental Analysis
    22
  • 26. Income Statement – Segmental Analysis (USD)
    23
  • 27. Income Statement – Net Interest Income
    Positive trend in net interest income driven by increased margins, better liquidity and increased balance sheet size
    Impairments were largely under control improving net margins after impairments
    24
  • 28. Income Statement – Segmental Analysis
    Mozambique affected by exchange and interest rate volatility
    25
  • 29. Income Statement – Impairments & NPLs
    Impairment and credit loss ratios declined
    Credit losses declined sharply owing to improved credit risk management
    Net NPLs covered by collateral
    Overall NPLs have now stabilised
    26
  • 30. Income Statement – Non-Interest Income
    27
  • 31. 28
    Income Statement – Non-Interest Income
  • 32. Income Statement – Cost to Income Ratio
    29
  • 33. Income Statement – Staff Costs
    30
  • 34. Retail Banking CAPEX
    31
  • 35. Balance Sheet
    32
  • 36. Balance Sheet (USD)
    33
  • 37. Balance Sheet – Overview
    34
  • 38. Balance Sheet – Loans and Advances
    35
  • 39. Balance Sheet – Deposits
    36
  • 40. Balance Sheet – Capital Adequacy
    37
  • 41. OPERATIONAL OVERVIEW
    Francis Dzanya
    38
  • 42. Operations Summary
    17 Retail branches as of now
    Staff compliment now
    39
    ABCH Group
    693 Employees
    Botswana
    Mozambique
    Tanzania
    Zambia
    Zimbabwe
    South Africa
    BancABC Botswana
    106 Employees
    BancABC Mozambique
    102 Employees
    BancABC Tanzania
    81 Employees
    BancABC Zambia
    125 Employees
    BancABC Zimbabwe
    232 Employees
    BancABC South Africa
    47 Employees
    100%
    100%
    100%
    100%
    81%
    100%
  • 43. 40
    Operations Summary
    • Overall improvement of loan book
  • All subsidiaries adequately capitalized
    Mozambique additional tier I capital of US $3m and tier II capital of US $2m
    Zambia additional tier I capital of US $5m and tier II capital of US $1m
    Zimbabwe additional tier I capital of US $10m
    41
    Operations Summary
  • 44. Botswana Highlights
    42
    BancABC Full Year Financial Results 2010
  • 45. Mozambique Highlights
    43
    BancABC Full Year Financial Results 2010
  • 46. Tanzania Highlights
    BancABC Full Year Financial Results 2010
    44
  • 47. Zambia Highlights
    45
    BancABC Full Year Financial Results 2010
  • 48. Zimbabwe Highlights
    46
    BancABC Full Year Financial Results 2010
  • 49. STRATEGY AND OUTLOOK
    Douglas Munatsi
  • 50. Follow up on 2010 Objectives
    48
    STRATEGIC ACTIVITIES
    OBJECTIVE
    RESULTS
    • Expand Retail Banking business
    • 51. Cross sell products to borrowing customers
    Increase Non-Interest Income
    On-going
    Reduce Impairments Boost Net Interest Income
    • Improved credit management
    • 52. Managed growth of the loan portfolio
    Achieved, but results lagging in Tanzania
    On-going
    Reduce cost of Funding
    • Expansion of Retail Banking footprint
    Control Operatingcosts
    • Costs driven by incremental revenue potential
    • 53. Improve turnaround times
    Cost to Income ratio
    On-going
    Invest for growth
    • Invest in human capital
    • 54. Retain a substantial amount of Group‘s earnings
    On-going
    Merger successfully closed, rollout of retail products on-going
    Grow & Diversify Customer Base
    • Merge Microfin and Zambian ops and cross sell
    • 55. Convert wholesale banking customers to retail bank
    BancABC Full Year Financial Results 2010
  • 56. 2011 Objectives
    49
    On-going
    STRATEGIC ACTIVITIES
    OBJECTIVE
    • Embed Retail Banking business
    • 57. Cross sell products to borrowing customers
    Increase Non-Interest Income
    Reduce Impairments
    Boost Net Interest Income
    • Improved credit management
    • 58. Managed growth of the loan portfolio
    Reduce cost of Funding
    • Embed Retail Banking rollout across footprint
    Control Operatingcosts
    • Costs driven by incremental revenue they can generate
    • 59. Improve turnaround times
    Manage investment in Growth
    • Invest in human capital
    • 60. Retain a substantial amount of Group‘s earnings
    Grow & Diversify Customer Base
    • Increase both wholesale and retail customer numbers
    BancABC Full Year Financial Results 2010
  • 61. Dividend declaration
    50
  • 62. Outlook
    51
    BancABC Full Year Financial Results 2010
  • 63. THANK YOU