Heartland Group Holdings Ltd. · NZX:HGH
Heartland — Heartland New Zealand — Shareholder Meeting (November 2012)
34 slides from Heartland's shareholder meeting presentation, Nov 30, 2012
Slide 1: Heartland New Zealand Limited Annual Meeting
Heartland New Zealand Limited Annual Meeting 30 November 2012
Slide 2: Agenda
Agenda q8FMDPNF q"ENJOJTUSBUJWFNBUUFST q$IBJSNBOnT0WFSWJFX q1FSGPSNBODFBOE0WFSWJFX q"OOVBM3FQPSU q&MFDUJPOPG%JSFDUPST q"VEJUPS q(VJEBODF q(FOFSBM#VTJOFTT Page 1
Slide 3: Chairman's Overview
Chairman’s Overview #SVDF*SWJOFr$IBJSNBO q 'JOBODJBM1FSGPSNBODF q /PUBCMF.JMFTUPOFT q %JWJEFOE q #PBSE3FWJFX Page 2
Slide 4: Notable Milestones
Notable Milestones "DIJFWFNFOUT q 1((8SJHIUTPO'JOBODF-JNJUFE 18' BDRVJTJUJPO TVQQPSUFECZTVDDFTTGVM DBQJUBMSBJTJOH q o*OWFTUNFOUHSBEFpDSFEJUSBUJOHBбSNFEBOEPVUMPPLJNQSPWFEUPoTUBCMFp q $PSFFBSOJOHTBOEQSPЯUBCJMJUZJNQSPWJOH q #BMBODFTIFFUTUSFOHUIFOFE q 5SBOTJUJPOPЮ$SPXO(VBSBOUFF q *NQSPWFEMJRVJEJUZQPTJUJ
Slide 5: Performance and Overview
Performance and Overview +FЮ(SFFOTMBEFr.BOBHJOH%JSFDUPS Page 4
Slide 6: Financial Year Overview
Financial Year Overview +VOF +VOF ':QSPЯUJOMJOFXJUIHVJEBODF (NZ$m) (NZ$m) /FUJOUFSFTUJODPNF q "DIJFWFE/1"5 /FUPUIFSJODPNF /FUPQFSBUJOHJODPNF PGN &YQFOTFT 1SPЯUCFGPSFJNQBJSNFOUTBOEUBY q *ODMVEFTPOFPЮUBYDSFEJUT *NQBJSFEBTTFUFYQFOTF PGN %FDSFBTFJOGBJSWBMVFPG JOWFTUNFOUQSPQFSUJFT 0QFSBUJOHQSPЯU q /PSNBM
Slide 7: Balance Sheet Summary
Balance Sheet Summary q 5PUBMBTTFUTJODSFBTFECZN +VOF +VOF q /FUЯOBODFSFDFJWBCMFTSPTF (NZ$m) (NZ$m) CZNPЮTFUCZSFEVDUJPO 5PUBMBTTFUT 5PUBMMJBCJMJUJFT JOMJRVJEJUZ 5PUBMFRVJUZ &RVJUZSBUJP q $BSSZJOHDBTIPGN )#43FHVMBUPSZ$BQJUBM/#%5 XJUIUPUBMMJRVJEJUZPGN /FUUBOHJCMFBTTFUT /5"QFSTIBSF CFJOHPGUPUBMMJBCJMJUJ
Slide 8: Net Finance Receivables & Operating Income
Net Finance Receivables & Operating Income (SFBUFSCBMBODFJOQPSUGPMJPNJY /FU'JOBODF3FDFJWBCMFT /FU0QFSBUJOH*ODPNF 2,500.0 100 EJWFSTJUZPGJODPNF $95m 90 q 18'BEETTDBMFBOE 2,000.0 $2,078m 80 EJWFSTJЯFTFBSOJOHT $1,707m 70 $70m 45 q /PO$PSF1SPQFSUZQPSUGPMJP 1,500.0 954.8 60 DPOUJOVFTUPSVOPЮ 50 $m $m 1,00
Slide 9: Funding and Liquidity Overview
Funding and Liquidity Overview 1BHF
Slide 10: Solid Funding Base
Solid Funding Base 4UBCMFBOEEJWFSTFGVOEJOHCBTF XJUIGVOEJOHNBSHJOIBMWFE 5PUBM'VOEJOH4PVSDFT 5SFOEPG)FBSUMBOE5FSN%FQPTJU BTBU+VOF .BSHJOTPWFS#BOL3BUFT 'VOEJOH.BSHJO0WFS#BOL3BUFT CQ $1,625m $375m $650m /PW %FD +BO 'FC .BS "QS .BZ +VO &RVJUZ 8IPMFTBMF 3FUBJM 1BHF
Slide 11: Liquidity
Liquidity -JRVJEJUZQPTJUJPO q *NQSPWFEMJRVJEJUZNJY q 1PTJUJWFDBTIаPXTGSPNBTTFUCBTF q 4VSQMVTDBTIIFMEEVSJOHFYQJSZPG$SPXO(VBSBOUFFOPXQVUUPXPSL q 4XJUDIUP4FDVSJUJTBUJPOBTBMPXDPTUTPVSDFPGMJRVJEJUZ $PNQPTJUJPOPG-JRVJEJUZ $BTIBOE-JRVJE"TTFUT BU+VOF N BTBU+VOF 1SJNBSZ 4FDPOEBSZ 0UIFS-JRVJEJUZ 21% $90m $24m
Slide 12: Divisional Overview
Divisional Overview HEARTLAND New Zealand Limited
Slide 13: Business Division
Business Division 7PMVNFHSPXUIXJUINBSHJOTQSFTFSWFE Business at q 3FMBUJPOTIJQCBTFENPEFMЯOBODJOHUIF a glance XPSLJOHDBQJUBMSFRVJSFNFOUTPG4.&nT /VNCFSPGBDDPVOUT q 0WFSBMMBTUSPOHSFTVMUXJUI/FU3FDFJWBCMFT HSPXUIPGN 5PUBMMPBOT (SPXUINPNFOUVNDPOUJOVFT N q 1JQFMJOFMFWFMTSFNBJOTUSPOHBOEDPOTJTUFOU "WFSBHFTJ[F
Slide 14: Rural Division
Rural Division 1PTJUJPOFEGPSGVUVSFHSPXUI Rural at q 1((8SJHIUTPO'JOBODF-JNJUFEOPXTVDDFTTGVMMZ a glance JOUFHSBUFE /VNCFSPGBDDPVOUT q /FU3FDFJWBCMFTHSFXNUPNBU+VOF EVFUPBDRVJTJUJPO 5PUBMMPBOT q 3FDFJWBCMFTаBUFYBDRVJTJUJPOEVFUPEFCU N SFEVDUJPOJOUIFTFDUPS "WFSBHFTJ[FPGMPBO q -JWFTUPDLЯOBODJOHHSFXCZNUPN
Slide 15: Retail & Consumer Division
Retail & Consumer Division .FFUJOHUIFOFFETPGNJEEMF/; Retail & Consumer Retail at a glance q 4USPOHBOEMPZBMSFUBJMEFQPTJUPSCBTFNBJOUBJOFE 3FUBJM $POTVNFS q )FBSUMBOESFCSBOEJOHPGUIFCSBODIOFUXPSLDPNQMFUFE q .PSUHBHFTDPOUJOVFEUPEFDMJOF N JODPNQFUJUJWF /VNCFSPG NBSLFU BDDPVOUT Consumer 5PUBM q (SPXUIPGNJO
Slide 16: Non-Core: Property
Non-Core: Property 1SPHSFTTCFJOHNBEF q 1PSUGPMJPTFHSFHBUFEBOESVOOJOHPЮ Non-core: Property q 1PSUGPMJPSFEVDFECZNBU+VOF at a glance DPNQBSFEUP+VOF +VOF +VOF 2012 2011 q 3FBM&TUBUF$SFEJU-JNJUFE 3&$- NBOBHFTUIJT VOEFSBNBOBHFNFOUBHSFFNFOU OPXSFHBSEFEBT /FU GVMMZVUJMJTFEBTBU+VOFUIFGVUVSFWBMVF 3FDFJWBCMFT
Slide 17: Bank Registration Update
Bank Registration Update 1BHF
Slide 18: Strategy Update
Strategy Update HEARTLAND New Zealand Limited
Slide 19: How is Heartland Positioned?
How is Heartland Positioned? #BMBODF 8FXJMMFOHBHFBDSPTTUIFUISFFLFZTFDUPSTUIBUESJWFQSPTQFSJUZJO/FX;FBMBOE DPNNVOJUJFT)PVTFIPMET #VTJOFTTBOE3VSBMr/05BTJOHMFGPDVTPO)PVTFIPMET 'PDVTPO1SPEVDUJWJUZ 0VSFNQIBTJTJTPODBTIаPXBOEUIFESJWFSTPGQSPEVDUJWJUZUIFHFOFSBUJPOPGSFBM XFBMUIr/05BTTFUBQQSFDJBUJPO /FFET 8FXJM
Slide 20: Strategic Advantage - Securing Valuable Niches
Strategic Advantage - Securing Valuable Niches #VTJOFTT 3VSBM )PVTFIPMET #O #O #O 8FXJMMPQFSBUFBDSPTTBCBMBODFPGDPSFTFHNFOUT 8JUIJOUIFTFXFXJMMPDDVQZOJDIFTXIFSFXFIBWFBSFMBUJWFBEWBOUBHF 8FEPUIJTCZIBWJOHUIFCFTUQSPEVDUT BOEXIFSFXFEPOPU XFXJMMTPVSDFUIFCFTU 1BHF
Slide 21: Supporting New Zealand Families & the Productive Sector
Supporting New Zealand Families & the Productive Sector )FBSUMBOEnTGPDVTJTNFFUJOHUIFNEEDSPGFWFSZEBZ /FX;FBMBOEFSTUISPVHIPVUUIFJSЯOBODJBMMJGFDZDMF 1BHF
Slide 22: Starting out
Starting out .0#*-*5: $BS-PBOT %BZUPEBZCBOLJOH 0VUTPVSDF *OTVSBODF Page 21
Slide 23: A home
A home 4)&-5&3 )PNF-PBOT 0VUTPVSDF *OTVSBODF 0VUTPVSDF Page 22
Slide 24: Building a livelihood
Building a livelihood &"3/*/(4 #VTJOFTT 3VSBM 8PSLJOH$BQJUBM 4FBTPOBM$BQJUBM *OWPJDF'JOBODF -JWFTUPDL'JOBODF $BQJUBM&RVJQNFOU 'BSN-PBOT #VTJOFTT-PBOT Page 23
Slide 25: Planning for the future
Planning for the future 4"7*/(4 $BMM%FQPTJUT 5FSN%FQPTJUT Page 24
Slide 26: The next generation
The next generation &%6$"5*0/ &EVDBUJPO'VOEJOH /FX1SPEVDU 1BHF
Slide 27: Wellbeing
Wellbeing )&"-5) )FBMUI'VOEJOH /FX1SPEVDU 1BHF
Slide 28: Enjoying your retirement
Enjoying your retirement 4&$63*5: */$0.& 5FSN%FQPTJUT 3FUJSFNFOU"OOVJUJFT /FX1SPEVDU 1BHF
Slide 29: Guidance
Guidance q /FU1SPЯU"GUFS5BYGPSFDBTUPGNGPS q 3FQSFTFOUTBOJNQSPWFNFOUJO/FU1SPЯUCFGPSFUBY PGCFUXFFO q 'PSFDBTUQSPЯUBCJMJUZEFQFOEFOUPO "TTFUHSPXUI -PXFS$PTUPG'VOETGSPNCBOLSFHJTUSBUJPO 'PDVTPODPTUT *NQBJSNFOUTDPOUJOVJOHBUDVSSFOUMFWFMT 1BHF
Slide 30: Resolutions & General Business
Resolutions & General Business #SVDF*SWJOFr$IBJSNBO 1BHF
Slide 31: Election of Directors
Election of Directors 3&40-65*0/4 5IBU(SBIBN,FOOFEZCFSFFMFDUFEBTBEJSFDUPSPGUIF$PNQBOZ 5IBU(FPЮSFZ3JDLFUUTCFSFFMFDUFEBTBEJSFDUPSPGUIF$PNQBOZ 1BHF
Slide 32: Auditor
Auditor 3&40-65*0/ 5IBUUIF%JSFDUPSTBSFBVUIPSJTFEUPЯYUIFBVEJUPSnTSFNVOFSBUJPO Page 31
Slide 33: General Business
General Business HEARTLAND New Zealand Limited
Slide 34: Thank you for attending
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