Standard Bank Group Limited · JSE:SBK
Standard Bank — UBS conference October 2012
10 slides from Standard Bank's conference presentation, October 2012
Slide 1: Business Models for a Brave New World
Business Models for a Brave New World P. Schlebusch CEO: PBB Standard Bank South Africa Name & Surname 1 Contents Slide 1. Context of the new world 2 2. Building a new bank – our basis for competing 3 3. Recent financial results 17 4. Concluding thoughts 18 1
Slide 2: Context of the new world; our chosen basis to compete
2 Context of the new world Protracted, weak economy Increased Mobile regulatory intensity explosion Fiercely competitive Mounting environment consumerism 3 Our chosen basis to compete 1 Great customer service and customer centricity 2 Convenience and accessibility 24/7/365 3 Value for money 4 Increa
Slide 3: The foundation is great customer service
4 The foundation is great customer service Independent front office service scores F b April Feb A il June J A Aug O t Feb Oct F b April A il June J A Aug O t Feb Oct F b Apr A J Jun A Aug O t Feb Oct F b Apr A J Jun A Aug O t Feb Oct F b Apr A J Jun A Aug 2008 2009 2010 2011 2012 Our people are con
Slide 4: Continuing customer growth
Continuing customer growth 6 Customer numbers 2008 to June 2012 June Dec June Dec June Dec June Dec June 2008 2009 2010 2011 2012 Engaged and committed people delivering sales 7 Focus on transactional banking accounts May May May Feb March Feb March Feb March April April April Oct Oct Jan Jan Jan Ju
Slide 5: Creating a whole new ecosystem for customers
Creating a whole new ecosystem for customers 8 Cellphone Banking AccessPoint AccessAgent Customer Loan Centre AccessKiosk Building sustainability with low cost, pervasive channels and high volumes 9 Number of monthly transactions at AccessPoints 2.8m 1.2m Month of Sep 2011 Month of Sep 2012 5
Slide 6: Core banking transformation - changing the heart of what we do
Core banking transformation- changing the heart of what we do 10 New accounts on the core banking system March April May June July Aug Sep Oct Nov Dec Jan Feb March April May June July Aug Sep 2011 2012 Transaction accounts Loan accounts A SAP world first: paperless, mobile and 33% of the time taken
Slide 7: Adapting to new ways of interacting
Adapting to new ways of interacting 12 Standard Bank App Year on year growth in electronic transactions 17% 10% 2010 2011 Payment Innovations Customer behaviour is changing quickly and we have adapted Continually growing our share of the market 13 Card acquiring merchant turnover Growth of Bizlaunch
Slide 8: Home loans – there for customers, creating returns for shareholders
Home loans – there for customers, creating returns for shareholders 14 Home loans weighted average concession and new registrations High concession 2006/2007 June 2012 Prime – 1.44% Prime +0.68% New Registrations (R ‘m) sion Low concess 2002 Registrations Weighted average concession June 2012 Home l
Slide 9: Translating the new bank into recent financial results
Balance sheet – the mix is changing 16 Loans to customers 2010 to H1 2012 split between mortgage loans and other FY 2010 FY 2011 H1 2012 29% 30% 32% 71% 70% 68% Legend Other loans Mortgage loans Growth in deposits from customers (R’bn) 213 211 189 Dec Dec June 2010 2011 2012 Translating the new bank
Slide 10: We are confident we have the right business model for the future
We are confident we have the right business model for the future 18 Great customer service and customer centricity Convenience and accessibility 24/7/365 Value for money Increased efficiency and effectiveness 2012/10/11 Committed and engaged staff 10