Standard Bank Group Limited · JSE:SBK
Standard Bank — Investor Presentation (2021)
16 slides from Standard Bank's investor presentation, 2021
Slide 1: Transform client experience: Business and Commercial Clients
TRANSFORM CLIENT EXPERIENCE BUSINESS AND COMMERCIAL CLIENTS David Hodnett, Interim Chief Executive Officer, Business and Commercial Clients ITCANBE..
Slide 2: Agenda
Transform client experience | BCC client segment == Agenda 1 BCC client segment - today Strategic progress to date Focus areas going forward 4 Measures of success Key take-aways 2 ITCANBE..
Slide 3: Who we service
Transform client experience | BCC client segment | 1. BCC client segment - today = Who we service 3 The Business and Commercial Clients (BCC) segment provides broad-based client solutions to a wide spectrum of small, medium and large commercial businesses. High Net Worth Our client coverage support
Slide 4: Solid franchise in South Africa and growing, subscale franchise in Africa Regions
Transform client experience | BCC client segment | 1. BCC client segment - today ™© We have a solid franchise in South Africa and a growing, but subscale franchise in Africa Regions Client base Client growth Market shares # of clients, ‘000 # of clients, ‘000 based on # of clients! Business / been +
Slide 5: Attractive funding base with upside as interest rates increase
Transform client experience | BCC client segment | 1. BCC client segment - today = We have an attractive funding base with upside as interest rates increase Customer Loans and advances Customer Deposits Loan / deposit R'bn R’bn ratio +11% Important source of ore low-cost funding, SOUTH +9% lower int
Slide 6: Capital-light trade and transactional flows supporting revenues and ROEs
Transform client experience | BCC client segment | 1. BCC client segment - today = Capital-light trade and transactional flows supporting revenues and iS) driving competitive ROEs SOUTH AFRICA AFRICA REGIONS y y Transactional activity Volumes ‘m 0.5 te) te) 1H19 1H20 1H21 Digital mam Branch maaATM —
Slide 7: Building front-line capabilities to enhance client servicing
Transform client experience |-BCC client segment | 2. Strategic progress to date = Weare building front-line capabilities to enhance client servicing and deliver improved client solutions Focused on trade and related solutions, including Invested in engagement solutions to enhance Invested in digita
Slide 8: Five focus areas to harness growth potential
Transform client experience | BCC client segment | 3. Focus areas going forward == Looking ahead, we will harness this growth potential through five focus areas Defend Grow Retain and grow Drive Support the Partner Scale platforms our South African African Enterprise segment to drive and ecosystems
Slide 9: Defend: Retain and grow our South African franchise
Transform client experience |-BCC client segment | 3. Focus areas going forward == Defend | Retain and grow our South African franchise Be the leading partner for business and commercial clients in South Africa Enterprise Direct Team of virtual and remote business bankers readily available to assist
Slide 10: Grow: Drive African trade
Transform client experience |-BCC client segment | 3. Focus areas going forward == Grow | Drive African trade Dominate trade through leveraging local expertise, connections and networks, and digital capabilities Servicing local client needs Leveraging our connections Our Trade Solutions and networks
Slide 11: Opportunity to partner African businesses to accelerate growth
Transform client experience |-BCC client segment | 3. Focus areas going forward == Grow | A sizeable opportunity exists to partner African businesses to accelerate their growth journeys SME!s representation Low penetration in sizeable market Sub-Saharan African context Busi 150m usiness >150 m infor
Slide 12: Grow: Support the Enterprise segment holistically
Transform client experience |-BCC client segment | 3. Focus areas going forward == Grow | Support the Enterprise segment holistically Enhance our proportion of this sub-segment through virtual relationships, ease of access and digital solutions Supporting the growth of enterprises Serviced by a futu
Slide 13: Grow: Partner to drive growth
Transform client experience | BCC client segment | 3. Focus areas going forward == Grow | Partner to drive growth Partnering to drive Africa’s growth by sourcing new solutions and innovative partners FOUNDERS FACTORY MERCHANT AFRICA CAPITAL R100m Offers flexible cash flow-based A financial services
Slide 14: Grow: Scale platforms and ecosystems
Transform client experience | BCC client segment | 3. Focus areas going forward == Grow | Scale platforms and ecosystems Attract clients to our BCC platforms through a differentiated offering and drive the network effect to scale TRADERS Leverage Wholesale client relationships and Client Service Tea
Slide 15: BCC 2025 financial targets
Transform client experience |-BCC client segment | 4. Measures of success == BCC 2025 financial targets iS) » Average active clients 2.0.x, with Africa Regions ~~ expected to grow faster than South Africa » BCC average market share target, 1O% 8% - 10% is oon » Increase client engagement by 15% — -
Slide 16: Key take-aways
Transform client experience |.BCC client segment | 5. Key take-aways m= Key take-aways iS) * Astrong existing franchise * Significant opportunities for growth in Africa Regions, Trade and Enterprise as well as through emerging platforms * Drive acquisition, in collaboration with CHNW and Wholesale,