Standard Bank Group Limited · JSE:SBK
Standard Bank — Investor Presentation (August 2012)
8 slides from Standard Bank's investor presentation, Aug 30, 2012
Slide 1: Inclusive Banking: Banking the Unbanked
Standard Bank Inclusive Banking Banking the Unbanked Leon Barnard 30 Aug 2012 Inclusive Banking 1 1. Banking the Unbanked Contents Slide 1. Questions to be answered 2 2. Is there a market at the bottom of the pyramid? 3 3. What is our vision? 4 4. What is our value proposition? 5 5. Can elephants da
Slide 2: Is there a market at the bottom of the pyramid?
Inclusive Banking 2 2. Banking the Unbanked Questions to be answered... • Is there a market at the bottom of the pyramid? • What is our value proposition? • Can elephants dance? • What will create sustainability in this market? • What was our approach – what did we achieve? • What are the challenges
Slide 3: The Inclusive Banking Vision and Value Proposition
Inclusive Banking 4 4. Banking the Unbanked What is our vision? The Inclusive Banking Vision Providing access to banking to all customers on a sustainable basis, with banking defined as the: • Store of value (Transactional, Wallet and Savings) • Transfer of value (Transactions and Payments) • Protec
Slide 4: Can elephants dance?
Inclusive Banking 6 6. Banking the Unbanked Can elephants dance? • Large banks have big legacy costs and expensive distribution models • Lean, alternative, cost effective channels are key • Providing convenient access close to customers is vital • Introduced alternative low cost channel ecosystem: •
Slide 5: What have we achieved so far?
Inclusive Banking 8 8. Banking the Unbanked What have we achieved so far? • Developed and launched a new integrated product offering • Introduced a simple, transparent and affordable pricing structure • Able to acquire at scale and at a low cost • Evolving a low cost servicing capability • Largest A
Slide 6: Our view on a possible lending bubble
Inclusive Banking 10 10. Banking the Unbanked Standard Bank’s view on a possible lending bubble • Lending bubble: “To be.....or not to be?” • Signs of a balance sheet shift from secured to unsecured lending • We recognise that there are signs of a bubble forming in the market, i.e. High levels of de
Slide 7: Our long term view and concluding remarks
Inclusive Banking 12 12. Banking the Unbanked What is our long term view? • Continuous innovation of offerings, process and distribution • Strong focus on acquisition and usage • Cost reduction • Channel adoption • Consumer education • Leading financial activity back to this market • Ensuring a sust
Slide 8: Thank you
Inclusive Banking 14 14. Banking the Unbanked Thank you Inclusive Banking 15 15. Banking the Unbanked Questions?
Standard Bank Group — Investor Presentation (August 2012) on 6ix