1. Home Loans
update
April 2015

2. Home
loan
Property
Customer
Source : GPG.com
R2,600,000 per sqm

3. Home
loan
Property
Customer
Loan book growth above industry
Source : Reserve Bank
Red line – industry
Blue line - FirstRand
0.0%
1.0%
2.0%
3.0%
4.0%
5.0%
6.0%
7.0%
8.0%
9.0%
10.0%
Jun-09 Jun-10 Jun-11 Jun-12 Jun-13 Jun-14
FirstRand Industry

4. Home
loan
Property
Customer
Strong market play although smaller loan book
Source : Deeds Office
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
Jun-12
Jul-12
Aug-12
Sep-12
Oct-12
Nov-12
Dec-12
Jan-13
Feb-13
Mar-13
Apr-13
May-13
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
FIRSTRAND

5. Home
loan
Property
Customer
Credit quality remains intact
Source : Financial reports

6. Home
loan
Property
Customer
Source : GPG.com
Consistent approach important

7. Home
loan
Property
Customer
Return above industry norm
Source : Financial reports

8. Home
loan
Property
Customer
Some potential in our geographic spread

9. Home
loan
Property
Customer
Equity build up can be used wisely
equity

10. Home
loan
Property
Customer
Thank you