Standard Bank Copper ETN · JSE:SBCOP
Standard Bank Copper ETN — Standard Bank Group — Investor Day (April 2024)
27 slides from Standard Bank Copper ETN's investor day presentation, Apr 4, 2024
Slide 1: Small Enterprise Banking Showcase
SMALL ENTERPRISE BANKING SHOWCASE 4 APRIL 2024
Slide 2: Agenda
Agenda 01 Business & 02 Small Enterprise 03 Key Commercial Banking takeaways Banking | STANDARD BANK GROUP – BCB SMALL ENTERPRISE BANKING SHOWCASE | 4 APRIL 2024 2
Slide 3: Business & Commercial Banking
Business & Commercial 1.0 Banking
Slide 4: Business & Commercial Banking strategy
Business & Commercial Banking strategy Purpose: We turn possibility into opportunity for the businesses that power Africa’s vibrant economy Vision: To be the dominant Business & Commercial Bank in sub-Saharan Africa What Defines Us Regional Focus South Africa 1 Trusted partner for client growth Defe
Slide 5: Business & Commercial Banking in context
Business & Commercial Banking in context Individuals Companies High Net Worth Corporate Retail clients with Annual turnover¹: Africa Regions: >USD100m investable assets USD1m South Africa: >R1.5bn Commercial Affluent Banking Retail clients ranging from Annual turnover¹: South Africa: R300m – R1.5bn;
Slide 6: Business Banking South Africa in context
Business Banking South Africa in context1 Deposits2 Loans3 Revenues Headline earnings ROE R475bn R188bn R38bn R9.3bn Business & Commercial Banking 37% (“BCB”) BCB Group BCB Group BCB Group BCB Group BCB South Africa R327bn R126bn R22.8bn R6.4bn 46% Business Banking 78% 72% 81% 76% >BCB SA South Afri
Slide 7: Small Enterprise Banking
Small Enterprise 2.0 Banking
Slide 8: Small Enterprise Banking in context
Small Enterprise Banking in 2.1 context
Slide 9: The Small to Medium Enterprise landscape in South Africa
The Small to Medium Enterprise landscape in South Africa INFORMAL / SOLE PROP1 SMALL MEDIUM LARGE / PUBLIC ~ 2.3 million ~ 900 000 ~ 45 000 8 800 SME businesses are: 80% 58% 46% 12.6m PEOPLE of start-up operate operate within employed by businesses fail predominantly in owned business informal / Sol
Slide 10: Standard Bank's Small Enterprise franchise
Standard Bank’s Small Enterprise franchise Small Enterprise clients Standard Bank Business Small Enterprises Business Banking & Commercial Banking South Africa: R0 – R100m active clients • Support businesses with a turnover p/a turnover of up to R1.5bn • A full-service relationship bank offering inc
Slide 11: Standard Bank Small Enterprise – voice of the client
Standard Bank Small Enterprise – voice of the client https://youtu.be/pUdYBXIOjzc?si=UN3ysl0W49eF1Jiz | STANDARD BANK GROUP – BCB SMALL ENTERPRISE BANKING SHOWCASE | 4 APRIL 2024 11
Slide 12: Differentiated client value proposition
Differentiated client value 2.2 proposition
Slide 13: We have a clear strategy focused on growing businesses
We have a clear strategy focused on growing businesses… “YOUR PARTNER IN GROWTH” WHILE YOU: | STANDARD BANK GROUP – BCB SMALL ENTERPRISE BANKING SHOWCASE | 4 APRIL 2024 13
Slide 14: Leveraging our four strategic enablers
…leveraging our four strategic enablers 01 02 03 04 Human-led, digitally- Digital Targeted suite More than enabled, Relationship (and digitised) of offerings for banking Manager capability banking businesses | STANDARD BANK GROUP – BCB SMALL ENTERPRISE BANKING SHOWCASE | 4 APRIL 2024 14
Slide 15: Human-led, digitally-enabled Relationship Manager capability
Human-led, digitally-enabled, trusted & mature Relationship Manager capability Direct banking capability enabling “one and done” principle BCB Relationship Managers available to our Small Enterprise clients % of banking demands available Enterprise Direct Channel Net virtually Promoter Score (2019 –
Slide 16: Digital (and digitised) banking
Digital (and digitised) banking Digital onboarding Online Banking Credit applications Analytically-driven & origination & decisioning recommendations • <10 mins to originate an • Access to our business- • 90% automated credit • Personalised offers based on account for sole proprietors specific app a
Slide 17: Targeted suite of offerings for businesses
Targeted suite of offerings for businesses Everyday Banking Payment & Collection Channels Transactional Solutions Online Banking Pay-As-You-Transact and Bundled Transactional Convenient, self-service, digital platform (app and Accounts starting from R7 per month web) with a focus on always on, alway
Slide 18: MORE than Banking
MORE than Banking BizConnect, Step Up Funding and Advisory Support South Africa's leading online portal for Small Enterprise resources and information ~13 500 Unique visitors per month | STANDARD BANK GROUP – BCB SMALL ENTERPRISE BANKING SHOWCASE | 4 APRIL 2024 18
Slide 19: We are a formidable competitor playing to our strengths
We are a formidable competitor playing to our strengths Do what others say you can’t with the bank that believes you can. Do what others say you can’t with the bank that believes you can. 1 2 Most mature & sophisticated We are serious about businesses Relationship Manager (RM) and partner with our c
Slide 20: Small Enterprise franchise – key metrics
Small Enterprise franchise – key 2.3 metrics
Slide 21: Small Enterprise franchise – summary of key metrics
Small Enterprise franchise – summary of key metrics Active clients Diversified client franchise2 Deposits Loans Real estate Construction Retail >460k Wholesale Professional Services R146bn R54bn Agriculture Manufacturing Transport Other Market share1 ROE ~23% >60% >40% of clients across the 8 indust
Slide 22: Key takeaways
Key takeaways 3.0
Slide 23: Standard Bank Small Enterprise franchise in South Africa
Standard Bank Small Enterprise franchise in South Africa 1 We have an engaged and growing Small Enterprise client franchise 2 We have a clear strategy and differentiated client value proposition 3 We have an established business with attractive returns worth fighting for 4 We are a formidable compet
Slide 24: Q&A
Q&A 4.0
Slide 25: Q&A panel
Q&A panel Simone Cooper Jenine Zachar Oscar Siziba Veno Pillay Natalie Neves Finance & value Head – Business & Head – Value Head – Business Head – Business management officer Commercial Banking Propositions and Banking Client Solutioning South Business & Commercial South Africa Client Experience Cov
Slide 26: Disclaimer – Forward-looking statements
Disclaimer – Forward-looking statements The Group may, in this document, make certain statements that are not historical facts and relate to analyses and other information which are based on forecasts of future results and estimates of amounts not yet determinable. These statements may also relate t
Slide 27: Thank you
THANK YOU | STANDARD BANK GROUP – BCB SMALL ENTERPRISE BANKING SHOWCASE | 4 APRIL 2024 27