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Global Financial Services Conference – Barclays Plc

Barclays Plc · Sep 8, 2014 · 24 slides

Investor presentation from the Shale Experts oil & gas presentation and slide database. Every page is imaged and its text indexed for search across operators, plays, basins and time.

Slides

  1. Global Financial Services Conference – Barclays Plc – slide 1
    Barclays Africa Group Barclays Global Financial Services Conference Craig Bond Chief Executive: Africa Retail and Business Banking
  2. Global Financial Services Conference – Barclays Plc – slide 2
    A leading African franchise.. 2
  3. Global Financial Services Conference – Barclays Plc – slide 3
    .. with a well diversified portfolio Revenue Headline earnings* (1H14) (1H14) 8% 11% 9% 20% 40% 46% 20% 13% 13% 7% 13% Retail Banking SA Business Banking SA Retail Banking SA Business Banking SA RBB Rest of Africa…
  4. Global Financial Services Conference – Barclays Plc – slide 4
    Solid 1H14 RBB performances Solid PBT growth 1H14 Profit before tax (Rm) Driven by lower credit impairments Revenue growth remains modest 4000 9% Particularly fee income 3500 Continued to invest in growth 3000 1H13 1H14 2500…
  5. Global Financial Services Conference – Barclays Plc – slide 5
    5 0 5 10 15 20 25 30 35 40 45 Primary retail customers * Retail deposits Mortgages Credit card issuing Card acquiring Vehicle finance Note: * June 2013; Source: AMPS survey, BA900 statutory returns,…
  6. Global Financial Services Conference – Barclays Plc – slide 6
    Small exposure to personal loans Personal loans (market share, Rbn) Personal loan split (1H14) 20 30 18 25 16 20% 14 20 12 10 15 8 10 6 4 80% 5 2 0 0 2006 2007 2008 2009 2010 2011 2012 2013 1H14 Rbn…
  7. Global Financial Services Conference – Barclays Plc – slide 7
    RBB Power of 12 Strategy Customer Needs Led Centrally Solutioned Locally Executed 1. Put the customer at the heart of everything we do and every 8. Develop industry leading African credit granting and investment decision we make get…
  8. Global Financial Services Conference – Barclays Plc – slide 8
    Key RBB initiatives Our physical and digital channels to be future Putting the customer at the heart of everything we do get service right, no matter proof sales and service channels where NPS what improves and costs decline…
  9. Global Financial Services Conference – Barclays Plc – slide 9
    Muted SA growth, better in Africa outside SA 2014E GDP growth (%) Loans / GDP 2012 (%) 6.6 152 5.3 5.1 4.6 2.2 37 1.5 32 29 16 15 Botswana Zambia Ghana Egypt South Africa Kenya Botswana Zambia…
  10. Global Financial Services Conference – Barclays Plc – slide 10
    Retail Banking South Africa
  11. Global Financial Services Conference – Barclays Plc – slide 11
    Retail Banking SA is itself well diversified Revenue 1H14 (%) Headline earnings 1H14 (%) 0.4 14.3 22.7 37.8 37.1 12.5 15.6 28.2 4.2 6.8 20.5 Home Loans Vehicle and Asset Finance Home Loans Vehicle and Asset Finance…
  12. Global Financial Services Conference – Barclays Plc – slide 12
    Retail Banking SA turnaround continues Home Loans drove earnings growth Headline earnings* (Rm) Net interest margin improved with rising rates (2%) 1H13 Higher investment spend on 1336 1H14 1303 channels and marketing…
  13. Global Financial Services Conference – Barclays Plc – slide 13
    Retail customer trends turning YoY change in customer numbers* (%) Rewards customers (m) 10 1.8 8 1.6 6 1.4 4 1.2 2 1.0 0 0.8 -2 0.6 -4 0.4 -6 Mass Middle Affluent Total 0.2 (excluding Sekulula) 0.0 New to bank…
  14. Global Financial Services Conference – Barclays Plc – slide 14
    Business Banking SA
  15. Global Financial Services Conference – Barclays Plc – slide 15
    Stabilising performance Reduced equity portfolio losses Headline earnings (Rm) Credit impairments continue to 4% 19% improve 856 822 824 Lower loans despite higher payouts 693 Solid 13% deposit growth Transaction migration to…
  16. Global Financial Services Conference – Barclays Plc – slide 16
    Positive early signs in customer numbers SA Commercial customer numbers (k) Business Banking SA revenue split (1H14) 60.0 59.6 59.2 41% 58.8 59% 58.4 58.0 2/13 3/13 4/13 5/13 6/13 7/13 8/13 9/13 1/14…
  17. Global Financial Services Conference – Barclays Plc – slide 17
    Focus on fee income and reducing equities Net fee income (Rm) Equities portfolio (Rm) 4% 2 795 481 464 1H13 6% FY11 (5%) 1H14 401 1H14 394 371 380 1 777 1 262 14% 168 148 858 651 432 Electronic Cash Cheque…
  18. Global Financial Services Conference – Barclays Plc – slide 18
    Retail and Business Banking Rest of Africa
  19. Global Financial Services Conference – Barclays Plc – slide 19
    Solid underlying earnings growth Healthy loan growth Headline earnings drivers 1H14 (Rm) 10% Regulatory changes and lower 14% rates reduce NIM 136 263 9% Improving transaction volumes 253 (7%) 39% offset pricing pressure 105 40%…
  20. Global Financial Services Conference – Barclays Plc – slide 20
    Retail and Business Banking Attractive growth prospects
  21. Global Financial Services Conference – Barclays Plc – slide 21
    Attractive growth prospects Strong footprint RBB 1H14 revenue growth (%) 16 Profitable Retail franchise 14 South Africa Large Business Bank opportunity Rest of Africa 12 Strong focus on customer needs 10 Scope to improve…
  22. Global Financial Services Conference – Barclays Plc – slide 22
    Partnerships drive access and broaden channels WFS accounts (k) Edcon accounts (k) 468 stores in Sub-Saharan Africa 1 300 stores in 401 in SA Sub-Saharan Africa 67 Outside SA 197 201 995 2 705 1 500 Store cards…
  23. Global Financial Services Conference – Barclays Plc – slide 23
    Acquisition transformed Group geographic mix Absa Group revenue pre-acquisition Barclays Africa Group revenue (FY12) (1H14) 3 20 80 97 SA Africa outside SA SA Africa outside SA 23
  24. Global Financial Services Conference – Barclays Plc – slide 24
    Barclays Africa Group commitments Top 3 by revenue in our 5 biggest markets - South Africa, Kenya, Ghana, Botswana and Zambia RoE 18% to 20% by 2015 Cost to income ratio in the low 50s by 2016 Rest of Africa 20% to 25% of…

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