| |
 |
Retail Banking |
|
|
| Banking, investment, insurance
and other financial services to individual
customers and small- to medium-sized
enterprises throughout South Africa. |
 |
|
|
| |
2004 |
2003 |
Headline earnings
(Rm)
|
3 158 |
2 476 |
ROE (%)
|
36,8 |
35,2 |
Cost-to-income ratio
(%)
|
61,3 |
60,9 |
Credit loss ratio
(%)
|
0,59 |
1,10 |
Net advances (Rm)
|
151 354 |
112 751 |
Headline earnings
contribution (%)
|
41
|
39 |
|
| |
|
|
Africa |
|
|
| Retail, commercial and
investment banking services in 16 African
countries outside South Africa. |
|
|
|
| |
2004 |
2003 |
Headline earnings
(Rm)
|
634 |
489 |
ROE (%)
|
30,3 |
28,3 |
Cost-to-income ratio
(%)
|
60,3 |
57,2 |
Credit loss ratio
(%)
|
0,37 |
1,71 |
Net advances (Rm)
|
11 805 |
10 674 |
Headline earnings
contribution (%)
|
8
|
8 |
|
| |
|
|
Corporate and Investment Banking
|
| Commercial and investment
banking services to corporates in South
Africa, foreign banks and international
counterparties. |
|
|
|
| |
2004
|
2003
|
Headline earnings (Rm)
|
2 656
|
2 140
|
ROE (%)
|
35,8
|
29,4
|
Cost-to-income ratio
(%)
|
43,0
|
44,8
|
Credit loss ratio (%)
|
0,05
|
0,31
|
Net advances (Rm)
|
63 785
|
57 178
|
Headline earnings contribution
(%)
|
35
|
34
|
|
| |
|
|
International
|
|
|
| Investment banking activities
focused on developing markets and natural
resources, and private client banking
through offices in 21 countries outside
Africa. |
|
|
|
| |
2004
|
2003
|
Headline earnings (Rm)
|
685
|
866
|
ROE (%)
|
12,8
|
14,7
|
Cost-to-income ratio
(%)
|
68,8
|
61,2
|
Credit loss ratio (%)
|
0,37
|
0,78
|
Net advances (Rm)
|
34 591
|
43 311
|
Headline earnings contribution
(%)
|
9
|
14
|
|
| |
|
|
Liberty Life |
|
|
| Life insurance and asset
management activities through SBG’s
investment in Liberty Holdings Limited
and Liberty Group Limited. |
|
|
|
| |
2004 |
2003 |
Headline earnings
(Rm)1
|
1 252 |
950 |
| Headline earnings
attributable to Standard Bank (Rm) |
350
|
270 |
| Profit for the year
(Rm)1 |
1 804 |
1 162 |
| Total embedded value
(Rm)1 |
16 867 |
15 817 |
| Headline earnings
contribution (%) |
5
|
4 |
|
| |
| |
|
|
