STRONG DELIVERY in 2011
‘Nedbank Group performed well in 2011, achieving a record level of headline earnings, but more work lies ahead to meet all medium-to-long-term financial targets.
These results were underpinned by continued delivery on our key strategic focus areas of repositioning Nedbank Retail, growing non-interest revenue (NIR) and implementing the portfolio tilt strategy. In the rest of Africa we deepened our strategic alliance with Ecobank by providing a facility in support of Ecobank’s corporate development programmes, including its transformational banking acquisition in Nigeria, and in so doing secured rights to acquire up to 20% of Ecobank Transnational Inc within two to three years.
Despite the challenging environment, Nedbank Group is well positioned to build on the momentum from 2011 and meet its medium-to-long-term earnings growth target once again in 2012.’
Mike Brown
Chief Executive
Key strategic focus areas for growth

performance HIGHLIGHTS
SOLID EARNINGS GROWTH IN A CHALLENGING ECONOMIC ENVIRONMENT.
- Headline earnings increased 26,2% to R6 184m.
- Diluted headline earnings per share up 25,4% to 1 340 cents.
- Strong non-interest revenue (NIR) growth of 16,6% to R15 412m.
- Return on ordinary shareholders’ equity (excluding goodwill) increased to 15,3% from 13,4%.
- Nedbank Retail turnaround progressing with earnings up 163,4%.
- Full-year dividend per share of 605 cents, up 26,0%.
CONTINUED INNOVATIVE NEW-PRODUCT DEVELOPMENT – LISTENING AND UNDERSTANDING CLIENTS' NEEDS.
ONGOING ENHANCEMENT OF CAPITAL MANAGEMENT AND RISK PROCESSES.
- Approval by the South African Reserve Bank (SARB) of Advanced Measurement Approach for Operational Risk and Internal Model Approach for Market Risk.
- Strong capital and liquidity positions.
- Capital adequacy further strengthened (core Tier 1: 11,0%).
RETAINED AND STRENGTHENED POSITION AS SA’s ‘GREEN AND CARING’ BANK.
- Carbon-neutral – Africa’s first carbon-neutral financial services organisation.
- Seventh year of being listed on the Dow Jones World Sustainability Index.
- Invested R9m in World Wide Fund for Nature Water Balance Programme.
LEADING THROUGH TRANSFORMATION.
- Maintained and enhanced level 2 broad-based black economic empowerment (BBBEE) ranking under Department of Trade and Industry (dti) Codes.
- Based on an analysis of the published scorecards of the big four SA banks, Nedbank Group came out the top-scoring bank in BBBEE for 2011.
HIGH LEVELS OF STAFF MORALE MAINTAINED DESPITE CHALLENGING OPERATING CONDITIONS.
highlights
- Headline profit before tax increased 31,9%
- ROE (excluding goodwill) increased to 15,3% (2010: 13,4%)
- Capital adequacy further strengthened Core Tier 1: 11,0%
- Full year dividend per share of 605 cents, up 26,0%











