• Introduction
• Value-added statement
• Key sustainability indicators
• Nedbank Group's long-term strategy
• Nedbank Group 2007 strategic framework
• Nedbank Group structure
• Nedbank Group South African operations
• Progress made on group objectives in 2006
• Strategic focus areas for 2007 to 2009
• Key challenges and opportunities for the finance sector
• Chief Executive's statement
• 2006 sustainability highlights
• Report details
• Nedbank Group and human rights - the UN Global Compact
• Stakeholder engagement

• Introduction
• King II implementation plan
• Risk management
• Political contributions and lobbying
• Code of Banking Practice
• Enterprise governance framework
• Money-laundering control
• Values
• Fraud and zero tolerance
• Code of ethics and conflict of interest
• Financial Advisory and Intermediary Services Act
• Relationship with regulators

• Shareholders and the investment community
• Credit ratings
• Shareholder analysis
• Share statistics
• Capital adequacy
• Nedbank Group share performance

• Strategic focus and products
• Nedbank Retail
• Pricing
• Nedbank Corporate
• Nedbank Capital
• Nedbank Group market share
• Client care
• Government market strategy
• Female market strategy
• Dedicated services for non-profit organisations
• Brand management
• Unleashing synergies - alignment with Old Mutual plc and bancassurance

• Human Resources vision and strategy
• Employer branding
• Transforming the business
• Staff statistics
• High-performance culture
• Management Development Programme
• Performance management
• Remuneration, recognition and rewards
• Attraction, retention and development of talent
• Black economic empowerment
• Industrial relations
• Internal communication
• Employee wellbeing

• Nedbank Group and the FSC
• FSC highlights 2006
• FSC scorecard
• Human resources development
• BEE procurement and enterprise development
• Enterprise development
• Providing access to financial services
• Consumer education
• Origination
• Empowerment financing
• Ownership and control
• Corporate social investment

• The Nedbank Foundation
• CSI focus areas: Education
• CSI focus areas: Community development
• CSI focus areas: Economic development
• Staff volunteerism programmes
• Cause-related marketing
• Sponsorships

• Introduction
• Environmental policy
• Environmental and social risk in lending/financing
• Equator Principles
• Socially responsible investment
• Environmentally beneficial products and services
• WWF-SA conservation partnership
• Progress made in 2006
• United Nations Environment Programme
• Training
• Environmental management
• Environmental expenditure
• Summary of headoffice premises

• Introduction
• The Green Trust
• The Nelson Mandela Children's Fund
• The Sports Trust
• The Arts & Culture Trust

• African highlights 2006
• Nedbank Lesotho
• Nedbank Swaziland
• MBCA Bank Zimbabwe
• Nedbank Malawi
• Nedbank Namibia
• Channel Islands
• Nedbank London

Sustainability is about ensuring financial prosperity and stability for our investors and staff, integrating social and environmental responsibility for our local communities and the countries in which we operate, and remaining relevant and accessible to our clients

The group maintains a transparent relationship with its regulators and consults with the South African Reserve Bank (SARB), as well as the regulators of jurisdictions within which the group operates, on all pertinent issues. A dedicated unit in Nedbank Group Finance takes centralised responsibility for the relationship with our primary regulator, SARB.

The Nedbank Group is committed to responding appropriately to regulatory and supervisory developments and to working with our regulators and government throughout the legislative process to ensure the practical applicability of such developments.

Nedbank Group complies with the JSE Listings Requirements. Nedbank Group also interacts with government departments through its position on the Financial Sector Charter Council and the submission of employment-related information to the Department of Labour. Participation on all Banking Association working groups and projects is also a key and ongoing imperative.

Additional information regarding the state of governance within Nedbank Group is available in the Nedbank Group 2006 Annual Report.