Staff

• Appointed 452 additional permanent employees
• Cultural entropy level of 10% at worldclass levels
• Continued high levels of staff morale
• 609 managers through business education and executive education training programmes
• 1 312 employees through Leading for Deep Green training programme
• 8 500 staff through diversity training programme

Clients

• Grew total retail individual and small business clients by 655 841
• R144bn new loans extended
• 80 new staffed outlets
• 476 more ATMs
• Client satisfaction scores at multiyear highs
• Exciting innovations launched such as Nedbank App SuiteTM, Approve-it^TM, MyFinancialLife^TM, Small Business Friday and the home loan online application process
• Euromoney’s best bank in SA in 2012

Shareholders

• 34,3% total shareholder return
• Delivered R1 511m economic profit
• Participate in Africa growth opportunity through rights to acquire 20% in Ecobank Transnational Incorporated
• Continued recognition for leadership in transparent reporting

Regulators

• 11,6% pro forma Basel III common equity ratio (CER) (or 11,4% Basel II.5)
• Contributing to working groups on new regulation
• Worldclass Internal Capital Adequacy Assessment Process and Internal Liquidity Adequacy Assessment Process maintained
• Nedbank debt rating upgraded in July in line with peers by Fitch
• R6,2bn total tax paid to SA government in direct, indirect and payroll taxes

Communities

• Most transformed JSE Top 50 company under dti Codes
• Achieved dti Code level 2 for fourth consecutive year
• Contributed R116m to socioeconomic development
• 73% local procurement spend
• Maintained position as Africa’s only carbon-neutral bank
• Operational water consumption addressed through support of the WWF-SA Water Balance Programme
• Financial Times 2012 Sustainable Bank of the Year Middle East and Africa
• Official sponsor of the WWF Sustainable Agriculture Programme