Nedbank Group 2018 ESG INVESTOR BRIEFING. JSE November 2018

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1 Nedbank Group 2018 ESG INVESTOR BRIEFING JSE November 2018

2 Agenda Nedbank s high-level ESG journey Delivering our purpose & delivering on the SDGs (Environment & Social) Through our businesses Through our own operations Through partnerships Governance Board profile ensuring good governance Worldclass disclosure Engaging our shareholders 2

3 Nedbank s high-level ESG journey / Nedcor rights issue King Code Nedbank share price Governance roadshows

4 Agenda Nedbank s high-level ESG journey Delivering our purpose & delivering on the SDGs (Environment & Social) Through our businesses Through our own operations Through partnerships Governance Board profile ensuring good governance Worldclass disclosure Engaging our shareholders 4

5 Our purpose To use our financial expertise to do good for individuals, families, businesses and society. 5

6 Delivering our purpose through the SDGs Partnerships Our businesses (products & services) Our own operations 6

7 We have invested significantly in the CIB franchise over the past few years CIB integration, acquired key skills, invested in technology CIB integration Client centric approach Client Value Management underpinned by sector expertise & informed by enhanced analytics Investing in technology & innovation Holistic client experience & improved efficiencies (run-rate savings of R200m p.a.), driving improved returns Consumer Goods Financial Institutions Retail ICT Acquired key skills Investment banking Head: Private Equity Head: Principle & Alternative Investments Markets Head: Interest Rate Trading Senior Bond Sales Trader Head: Interest Rate Derivatives Head: Structured Rates Senior Equity Option trader Head: xva Markets COO Head: Equities Property Finance Executive: Property Finance Head: Property Finance Africa Automotives TFL Healthcare Travel & Leisure Public Sector PE/BEE Portfolio TFL (SOEs) Energy & Water Construction Mining & Chemicals Real Estate Diversified Industrials Diversified, efficient & good credit quality ROE: #2 (2 nd highest, 20%) Efficiency ratio: #1 (lowest, 41%) Credit loss ratio: #1 (lowest, 1bps) NIR to GOI contribution: 52% (49% in 13) Client data analytics Client Intelligence Platform Executive EySight TM 7

8 we are using our skills, expertise & technology to make a difference Renewable-energy disbursements (Rbn) Round Sustainable development financing (in 2017) Invested R3,8bn in empowerment financing (R68bn since 2012) Total investment in green buildings: R8,7bn (well over m² of floor space) Student accommodation construction loans > R1bn (~5 700 beds) Total As from 2018, excluding our existing commitments, we have undertaken not to provide project financing or other forms of asset-specific financing where the proceeds will be used to develop a new coal-fired power plant, regardless of country or technology. R10,1bn invested by clients in the Nedbank Green Savings Bond (R25,2bn since inception). 8

9 Share performance 9

10 Our investment into Retail & Business Banking has been successful & is building momentum RBB interim financial results (6 months) RBB retail client base (million) 18.6% +4.4% % ROE: 11.0% % % 2.8 Target: 15% by % 12.7% Headline earnings (Rm): Jun 2013 Jun 2018 Total clients Transactional clients Main-banked clients Primary bank market share 1 CAGR Jun 2013 Jun 2018 Note 1: 2013: AMPS; 2017: Consulta: Same question asked: Which ONE bank do you regard as your main bank for personal banking? 10

11 Middle market main-banked client growth momentum accelerating, while growth in Youth & ELB improving Main-banked, # 000 Kids & youth +17% (3%) Professional % +4% Entry level % +4% Small Business Services % +3% % +12% 0% +2% Middle H1 13 H1 17 Sep 18 Business Banking H1 13 H1 17 Sep 18 11

12 Delivering great client experiences digitised 61 services on the web & 53 on the app (target of >180 by 2020) 1.4 million downloads & > 500k active users in under 11 months since launch Client app ratings Android Money app launched in Nov 2017 with - 12 additional services added in April And a further - 9 services added in May An additional 21 services landed between June & July 2018 Latest 11 services landed Aug, Sept 2018 Nedbank Wealth Capitec Nedbank Money FNB NedbankStandard Absa Investec App Suite 12

13 We are making a difference in the communities we operate Remote solar powered branch SME network centre School ecosystem Solar powered WIFI-enabled Low cost banking products, advice & services SIMPLYBIZ is resources, support & network centre for small business owners GAP Access innovative working capital solution CVP solution for students, parents, schools & their suppliers providing digital payment solutions (Karri), insurance products, differentiated pricing & procurement platforms More than 208 schools have signed up since inception 13

14 Rest of Africa business we developed a low cost cross-border transfer solution with Ecobank Opportunity Access & distribution Differentiation 1 2.7m African migrants R14 19bn Market size: Remittance value SA Rest of Africa 25% Through mobile/digital channels internationally 60% Through international cash transfers 5% Through traditional banking channels internationally 1 Key competing products include Mukuru, hello (PAISA), Western Union (BGA), MoneyGram (FNB & Standard Bank) Cheap Lowest cost to client in the industry (no third parties) Quick Instant cross border transfer subject to regulatory & compliance checks (other solutions 10 min to 2 days) Easy Usage across all channels initially account to account, mobile app & website. Moving to wallet, USSD, ATM, branches, etc Available in 33 countries 24 hours initially business operating hours, moving to 24/7 14

15 Delivering our purpose through the SDGs Partnerships Our businesses (products & services) Our own operations 15

16 Making a difference through our own operations remaining relevant in society Transforming our workforce 79% 62% 47% 62% 62% 26% 16% 30% AIC staff Black staff Female staff Black female staff Progress on BBBEE

17 Making a difference through our own operations experiment, learn, lead & advocate Reducing our own carbon footprint Seven green-star rated buildings 17

18 Delivering our purpose through the SDGs Partnerships Our businesses (products & services) Our own operations 18

19 Partnerships shared responsibility & collaborative action Partnerships Investing in our communities R168m SED spend in 2017 Nedbank Foundation: >50% spend on education Partnering with NGOs WWF water balancing & sustainable agriculture programmes An active corporate citizen Active participant in the CEO initiative Committed R20m to R1,5bn SME fund Participant in the Youth Employment Service aim to provide jobs to 1m South Africans (cost of c1.5% of NPAT p.a.) Parliamentary presentations Transformation & Land Reform Nedbank affinity programme More than R250m donations since inception Suppliers More than R9bn sourced from local suppliers (75% of R12bn) 19

20 Agenda Nedbank s high-level ESG journey Delivering our purpose & delivering on the SDGs (Environment & Social) Through our businesses Through our own operations Through partnerships Governance Board profile ensuring good governance Worldclass disclosure Engaging our shareholders 20

21 Board composition as at 15 October 2018 Independence of board (%) OML & Nedbank Group (nominees as % of board) Board skills & expertise 20% 13% 67% 7% 20% Independent Executive Non-executive 73% OML Nedbank Group Other 11 9 Transformation (%) Length of service (%) % 27% 40% African female 27% African male 27% 13% 7% 53% 0-3 years 4-6 years Retail banking Investment banking Financial services/insurance/asset management HR/Strategic planning/stakeholder management Accounting & auditing Large coporate/industrial Doing business in Africa/India Economics/Public policy/macro policy Innovation/IT Mining & resources/infrastructure White male non-sa 7-9 years >9 years 21

22 Worldclass disclosure Integrated Report Financial reporting Annual Results Booklet Annual Financial Statements Pillar 3 Risk & Capital Management Report Our Defined Management Approach to Tax (voluntary disclosure) Governance reporting Governance and Ethics Review Nedbank Group King IV Principles Register of directors' attendance Remuneration Report AGM booklet & proxy voting Sustainable development reporting Sustainable Development Review Transformation Report Global Reporting Initiative Standards Index Validating Our Sustainability Journey 22

23 Engaging our shareholders Purpose our annual governance/ ESG roadshow Topics of discussion (examples) Strategic issues Outcomes Endorsement of Remuneration implementation policy (18 AGM) Shareholder matters Old Mutual managed separation Board matters New appointments & succession Composition, skills & diversity Independence Remuneration Mandatory audit firm rotation 99.4% 95.3% 81.3% 52.6% Environmental & social matters (incl transformation) Nedbank Bank A Bank B Bank C 23

24 Thank you 16th Annual Oliver Empowerment Awards 2017 Legend of Empowerment & Transformation award 2018 EY Excellence in Integrated Reporting overall winner The Trialogue CSI Handbook ranked first by NGOs and 2 nd by companies (impact of CSI work). The 2017 Thomson Reuters Diversity & Inclusion Index ranked 16th globally Business Report, Empowerdex and Intellidex 2017 recognised as the Most Empowered Company on the JSE Carbon-neutral status Africa s first carbon-neutral financial organisation. Carbon neutral since FTSE4Good Index A global responsible investment index for companies that demonstrate strong environmental, social and governance practices. Included in Dow Jones World Sustainability Index 2017 one of only 27 banks in the index & the only African bank. Included for the 12th year. SA Carbon Disclosure Project Index 2017 One of only 106 companies globally to be awarded an A. WWF Nedbank Green Trust partnership Invested R264m since the trust s inception in support of over 200 environmental projects throughout SA. IRAS Sustainability Data Transparency Index Highest score in the banking sector in

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