28 th Annual General Meeting
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1 Strategy Update Presentation to Shareholders by Mr Peter Zimunya, Acting Group CEO at the 28 th Annual General Meeting 16 May 2018
2 OPERATING ENVIRONMENT OVERVIEW SPECIFIC THREATS OUR RESPONSE Investment in digital platforms to improve customer experience and convenience. Pursuing advisory services. Supporting industrialization and export development. Pursuing a strong corporate strategy to create and enter new markets. Pursuing a strong diversification strategy to broaden and stabilize earnings. Innovation to support business development. Enhancing organic growth through balance sheet restructuring. Cash shortages. Foreign currency shortages. Changing consumer tastes and habits. Transitioning of the economy. Technological transformation. 2
3 3 OVERVIEW OF THE GROUP Entrusted by more than 22% of the country s banked population Entrusted by more than 6% of the country s insured population to manage their risks Entrusted with more than 20% of the banking sector deposits. Entrusted with more than 6.0% of the country s funds under management Entrusted by more than 24% of the country s borrowing customers to provide and meet their funding solutions. Entrusted with more than 18% of banking sector shareholder funds.
4 MAJOR AWARDS Financial Gazette 2017 Top Companies Survey, 1 st Runner Up.. The European Magazine Award for Retail Bank of the Year MAZ Award for Super Brand of the Year 2017 (Banking sector). Global Finance Magazine Best Bank of the Year 2017 (Zimbabwe).. MAZ - Best Integrated Promotional Awards for CBZ Touch Campaign (1 st Runner-up).. ZNCC Awards for Best Bank Supporting MSMEs (2017). CCAZ Service Excellence Award Banking Sector Category.. ZNCC 2018 SDG Sustainability Award. 4
5 UPDATE ON CORPORATE STRATEGY Operationalised our second business unit in as many years in the form of CBZ Properties. The company focuses on: Property & Infrastructure Development, Property Management, and Valuations. The goal is to unlock value from the Group s land and properties portfolio and increase shareholder value. The Group is involved in a number of property and infrastructure developments initiatives in both residential and commercial segments. 5
6 UPDATE ON BUSINESS STRATEGIES INFRASTRACTURE MARKET 2018 NEW PROJECTS PROJECT SCOPE Marondera Mazowe Harare - Georgic Bulawayo Mahatshula Universities Infrastructure A $15m project for development of high density stands. A $3m project for development of 169 low density stands. A $3m project for development of 32 agro plots. A $7m project for development of 670 medium density stands. Infrastructure development for tertiary institutions. 6
7 UPDATE ON BUSINESS STRATEGIES MARKET PRESENCE Organised and hosted the 2 nd CBZ International SMEs Indaba and the CBZ Youth Entrepreneurs Program. Aim is to: Capacitate our SME and Youth customers to grow their businesses through business linkages, skills development, etc. Help our policy makers to come up with evidence based policy interventions and investor incentives. Ultimately, this will raise awareness of the CBZ brand as well as create current and future business for the Group. 7
8 MILESTONES - BUSINESS IN NUMBERS +78.8% +0.8% No. of Policies Mar 2017: 121k Mar 2018: 122k +4.4% Number of Bank Accounts Mar 2017: 205k Mar 2018: 214k +44.8% Number of KYC Lite Accounts Mar 2017: 181k Mar 2018: 262k +23.6% Number of Transactions Mar 2017: 11.0m Mar 2018: 13.6m +24.2% Value of Transactions Mar 2017: 6.2b Mar 2018: 7.7b CBZ Touch Subscribers Mar 2017: 222k Mar 2018: 397k 8
9 MILESTONES - MARKET SHARES Subsidiary Market Share (%) Rank Number of Players CBZ Bank (Deposits March 2018) 21.9% 1 19 Datvest (FUM - Dec 2017) 5.8% 4 16 CBZ Insurance (GPW - Sept 2017) 5.3% 7 20 CBZ Life (GPW - Sept 2017) 2.6% 7 11 CBZ Risk Advisory (Premium Written - Sept 2017) CBZ Properties (Property Portfolio) - Dec % New entity 9
10 CONSOLIDATED STATEMENT OF FINANCIAL POSITION MARC H 2018 USDm MARCH 2017 USDm Y.O.Y % COMMENTS Total asset growth driven by growth in total deposits and profitability. Total Assets Total Deposits Total deposits growth resulted from 26% increase on savings deposits, which is in line with the Group s thrust to mobilise retail deposits to manage cost of funds. Net Advances (7.2) A well diversified FUM portfolio yielded positive returns despite subdued performance on the stock market during the quarter.. Funds Under Management FUM Insurance Assets Insurance assets increased due to growth in underwritten business, as a result of continuous product review and expansion of distribution channels. 10
11 CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME MARCH 2018 USDm MARCH 2017 USDm Y.O.Y. % Total Income Underwriting Income Total Expenditure (4.6) COMMENTS Strong income generation supported by investment in new products and digital platforms/ channels. Drive to increase operational efficiency bearing fruit, with 5% decline in operating costs. 11
12 CONSOLIDATED PERFORMANCE RATIOS MARCH 2018 ACTUAL% MARCH 2017 ACTUAL % Return on assets Return on equity Cost to income Loans to deposits ratio Liquidity ratio Capital adequacy NPL ratio COMMENTS ROA and ROE improved as a result of profitability growth C/I ratio improved owing to 20% revenue growth coupled with a 5% cost reduction The liquidity position of the Group remained sound with a ratio above the regulatory ratio of 30% Capital adequacy levels for all the Group s subsidiaries are above the regulated levels except newly formed CBZ Risk Advisory and efforts are underway to regularise its capital positions NPL continue to be the focal point for the Group in order to enhance the quality of the loan book. 12
13 STRATEGIC ROADMAP Global reach Strategic alliances, partnerships and integration. Technology driven solutions. Innovation. Portfolio & earnings diversification. Liquidity management. Cost management. 13
14
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