• OVERVIEW
  • Operating Profit – History
  • Financial highlights
  • Group profile
  • Investment case
  • Customer-focused business model
  • History of consistent growth
  • Five-year financial review
  • Geographical footprint
• DIRECTORATE
  REPORTS
  • Board of directors
  • ­Chairman's report
  • ­Chief executive officer's report
  • ­Chief financial officer's report
• OPERATIONAL REVIEW
  • ­Executive committee
  • Operations
  • ­­Credit
• GOVERNANCE AND SUSTAINABILITY
  • Corporate governance
  • Audit and risk committee report
  • Risk management
  • Sustainability report
  • Remuneration
• ANNUAL FINANCIAL STATEMENTS
  • Directors' responsibility statement
  • Company secretary's certificate
  • Independent auditor's report
  • Directors' report
  • Income statement
  • Balance sheet
  • Statement of changes in equity
  • Cash flow statement
  • Segmental report
  • Notes to the annual financial statements
  • Company income statement
  • Company balance sheet
  • Company statement of changes in equity
  • Company cash flow statement
  • Notes to the company annual financial statements
  • Interest in subsidiary companies

REGISTERED OFFICES

Registered number
2004/009817/06

Registered address
53A Victoria Road, Woodstock, 7925

Postal address
PO Box 43, Woodstock, 7915

Auditors
PricewaterhouseCoopers Inc.
Cape Town

Attorneys
Edward Nathan Sonnenbergs

Bankers
ABSA Bank Limited
First National Bank of Africa Limited
Investec Bank Limited