Woolworths Holdings Limited · JSE:WHL

Woolworths — Investor Presentation (February 2002)

11 slides from Woolworths's investor presentation, February 2002

  1. Slide 1: Woolworths Financial

    WOOLWORTHS financial

  2. Slide 2: WFS credit risk management process

    wfs credit risk management process • New application process – Credit bureau score – Strategy ware – Rejection rate of 40% • Once approved – Behavioral scoring supports credit limit increases and collection strategies • Loans / Visa credit card based on pre- approved WW card customers

  3. Slide 3: WFS trading overview: The Woolworths Card

    wfs trading overview The Woolworths Card 1,400,000 978,652 1,000,000 960,447 973,511 980,000 1,200,000 960,000 1,000,000 940,000 800,000 893,001 920,000 000's 900,000 871,323 600,000 880,000 400,000 860,000 840,000 200,000 1,014,639 1,067,535 1,072,069 1,148,510 1,222,854 820,000 0 800,000 Dec-99 Ju

  4. Slide 4: WW Card contribution to Sales

    wfs trading overview WW Card contribution to Sales 32.50% 32.00% 31.50% 31.00% 30.50% 30.00% 29.50% Dec 99 Jun 00 Dec 00 Jun 01 Dec 01

  5. Slide 5: The Woolworths Card: Net Bad Debt

    wfs trading overview The Woolworths Card 6% Net Bad Debt Moving Annual 5% 4.50% 4.42% 4% 3.29% 3.33% 3.39% 2.94% Margin % 2.81% 3% 2% 1% 0% Jun-98 Jun-99 Dec-99 Jun-00 Dec-00 Jun-01 Dec-01

  6. Slide 6: Personal Loans

    wfs trading overview Personal Loans 400,000 90,000 79,399 360,000 80,000 67,521 320,000 70,000 280,000 53,840 60,000 Active Accounts 240,000 43,461 50,000 R 000' 200,000 40,000 160,000 27,446 30,000 120,000 80,000 20,000 40,000 10,000 85,480 140,010 192,827 287,218 357,235 0 0 Dec-99 Jun-00 Dec-00 J

  7. Slide 7: Personal Loans: Net Bad Debt

    wfs trading overview Personal Loans Net Bad Debt Moving Annual 4% 3% Margin % 2% 1% 0% Jun-00 Dec-00 Jun-01 Dec-01

  8. Slide 8: Unit Trusts - Domestic Equity and International

    wfs trading overview Unit Trusts - Domestic Equity and International 14,000 33,000 11,963 30,000 12,000 27,000 9,958 24,000 10,000 21,000 No Of Accounts 7,268 8,000 R 000's 18,000 15,000 6,000 12,000 3,921 4,000 9,000 6,000 766 2,000 3,000 14,090 14,951 20,490 26,931 32,971 0 0 Fund Size No Of Accou

  9. Slide 9: The Woolworths VISA Credit Card

    wfs trading overview The Woolworths VISA Credit Card 16,000 33,000 13,396 30,000 14,000 27,000 10,733 12,000 24,000 10,000 21,000 18,000 8,000 15,000 6,000 12,000 9,000 4,000 6,000 2,000 3,000 12,900 29,131 0 0 Jun-01 Dec-01 Fund Size No. Of Accounts

  10. Slide 10: WW card and loan arrears profile

    wfs trading overview WW card Dec 01 June 01 Dec 00 Current – DC 2 95.1% 93.9% 94.5% > DC 2 4.9% 6.1% 5.5% WW loan Current – DC 2 97.9% 98.5% 98.9% > DC 2 2.1% 1.5% 1.1%

  11. Slide 11: WFS trading overview

    wfs trading overview • Net interest margin 34% up on last year • Funding provided by WW

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