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  • Introduction
    • OUR APPROACH TO INTEGRATED THINKING
    • ABOUT OUR INTEGRATED REPORT
    • OUR REPORTING SUITE
    • WHO WE ARE
    • ADDITIONAL INFORMATION
  • Leadership
    • CHAIRMAN’S STATEMENT
    • GROUP CHIEF EXECUTIVE’S REVIEW
  • Value creation
    • OUR OPERATING CONTEXT
    • OUR MATERIAL ISSUES
    • OUR STRATEGY
    • OUR EXECUTION MODEL
    • OUR STRATEGIC PROGRESS
    • OUR VALUE PROPOSITION
  • Our strategy
    • CLIENT FOCUS
    • EMPLOYEE ENGAGEMENT
    • RISK AND CONDUCT
    • FINANCIAL OUTCOME
    • SEE IMPACT
  • Accountability
    • GOVERNANCE OVERVIEW
    • REMUNERATION OVERVIEW
  • Downloads
  • Our reporting suite

    THIS REPORT

    INTENDED READERS

    Primarily investors but relevant to all our stakeholders

    ANNUAL INTEGRATED REPORT

    Provides a holistic assessment of our ability to create sustainable value in the short, medium and long term.

    Our integrated report is supplemented by:

    INTENDED READERS

    Our shareholders, debt providers and regulators

    GOVERNANCE AND REMUNERATION REPORT

    Discusses the group’s governance and remuneration priorities, as well as the group’s remuneration policy and implementation report. The invitation to the annual general meeting (AGM) and notice of resolutions to be tabled is sent separately to shareholders and is available online.

    Read it here

    INTENDED READERS

    Our shareholders, debt providers and regulators

    RISK AND CAPITAL MANAGEMENT REPORT

    Sets out the group’s approach to risk management, including our risk universe.

    Read it here

    INTENDED READERS

    Our shareholders, debt providers and regulators

    ANNUAL FINANCIAL STATEMENTS

    Sets out the group’s full audited annual financial statements, including the report of the group audit committee.

    Read it here

    INTENDED READERS

    Our clients, employees and society more broadly

    REPORTING TO SOCIETY PLATFORM

    The report to society (RTS) explains how we contribute to the group’s ability to achieve its purpose through our SEE impacts. Our environmental, social and governance (ESG) report provides an overview of the processes and governance structures the group has in place to support our commitment to do the right business, the right way. The reporting to society suite in our online platform also includes our South African transformation report.

    Read it here

    INTENDED READERS

    Our subsidiary stakeholders

    SUBSIDIARY ANNUAL REPORTS

    To account to their stakeholders, our subsidiaries produce their own annual reports and audited annual financial statements, which are available on their respective websites.

    AIR GOV/REM RCM AFS RTS
    Key frameworks applied
    The International Integrated Reporting <IR> Framework
    Companies Act, No 71 of 2008, as amended (Companies Act)
    Johannesburg Stock Exchange (JSE) Listings Requirements
    King IV Report on Corporate Governance for South Africa 2016*
    IFRS
    South African Banks Act, 94 of 1990 (Banks Act)
    Basel Committee on Banking Supervision's public disclosure framework
    CDP (previously Carbon Disclosure Project)
    United Nations (UN) Sustainable Development Goals (SDGs)
    Assurance
    Certain information extracted from audited reports
    Unmodified audit opinion expressed by KPMG Inc. and PricewaterhouseCoopers Inc.
    Selected information assured by PricewaterhouseCoopers Inc.

    * Also known as the King Code and King IVTM. Copyright and trademarks are owned by the Institute of Directors
    in Southern Africa NPC and all of its rights are reserved.

    All our reports and latest financial results presentations, booklets and SENS announcements are available online , together with financial and other definitions, acronyms and abbreviations used.

    At the time of writing this report COVID-19 had begun spreading more rapidly across the world. Its impact on our communities and business activities is still being quantified. We intend to include these impacts in our strategy and short- and long-term budget plans.