annualreport2010.standardbank.com annualreport2010.standardbank.com

annualreport2010.standardbank.com

Standard Bank Annual Report 2010

We have withstood challenges in the past. And have emerged stronger and more resilient. Standard Bank remains the largest bank in Africa by earnings and assets, with a recognised and trusted brand, and an extremely strong balance sheet. Because the company is so integral to society. It is considered as much a citizen of a country as is a natural person who has citizenship. It is expected that the company will be and will be seen to be a responsible citizen. 2010 will be remembered as a difficult year.

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Standard Bank Annual Report 2010 | annualreport2010.standardbank.com Reviews
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We have withstood challenges in the past. And have emerged stronger and more resilient. Standard Bank remains the largest bank in Africa by earnings and assets, with a recognised and trusted brand, and an extremely strong balance sheet. Because the company is so integral to society. It is considered as much a citizen of a country as is a natural person who has citizenship. It is expected that the company will be and will be seen to be a responsible citizen. 2010 will be remembered as a difficult year.
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1 standard bank
2 you are here
3 raquo; home
4 business overview
5 ensuring our sustainability
6 annual financial statements
7 shareholder information
8 downloads
9 chief executive's report
10 financial review
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Standard Bank Annual Report 2010 | annualreport2010.standardbank.com Reviews

https://annualreport2010.standardbank.com

We have withstood challenges in the past. And have emerged stronger and more resilient. Standard Bank remains the largest bank in Africa by earnings and assets, with a recognised and trusted brand, and an extremely strong balance sheet. Because the company is so integral to society. It is considered as much a citizen of a country as is a natural person who has citizenship. It is expected that the company will be and will be seen to be a responsible citizen. 2010 will be remembered as a difficult year.

INTERNAL PAGES

annualreport2010.standardbank.com annualreport2010.standardbank.com
1

Chairman’s report to stakeholders | Standard Bank Annual Report 2010

http://annualreport2010.standardbank.com/business-overview/chairmans-report-to-stakeholders

Raquo; Chairman’s report to stakeholders. Scope of the report. The year in review. Chairman's report to stakeholders. Chief executive’s report to stakeholders. Our strategy in action. Chairman’s report to stakeholders. Report by Fred Phaswana. Discussed in this report:. Sustainable long-term financial performance. Governance, regulation and stakeholder engagement. We build and sustain strategic relationships with a range of stakeholders to manage social expectations, minimise reputational risk and form s...

2

Board of directors | Standard Bank Annual Report 2010

http://annualreport2010.standardbank.com/sustainability/board-of-directors

Raquo; Board of directors. Explanation of principal differences between normalised and IFRS results. Risk and Capital Management. BA (Unisa), BA (Hons) (Unisa), MA (Unisa), BCom (Hons) (RAU),. BA (Philosophy, Politics and Economics) (Unisa). Masters Degree in Plant Genetics (Alberta),. BA (Unisa), BA (Hons) (Boston). BCom (Stellenbosch), MA (Oxford), PMD (Harvard). Aged 55, is group chief executive of Standard Bank Group and director of The Standard Bank of South Africa, Standard Bank Plc, Liberty Group,...

3

Financial review | Standard Bank Annual Report 2010

http://annualreport2010.standardbank.com/sustainability/financial-review

Raquo; Financial review. Explanation of principal differences between normalised and IFRS results. Risk and Capital Management. An overview of the key features of the 2010 financial results;. A general description of how the group generates its revenue and the risks it faces in doing so;. A description of the impact of the economic environment on key financial ratios;. An analysis of the financial position and income statement of the banking activities;. Details of the dividend to shareholders; and.

4

Overview | Standard Bank Annual Report 2010

http://annualreport2010.standardbank.com/sustainability/risk-and-capital-management/overview

Explanation of principal differences between normalised and IFRS results. Risk and Capital Management. Sections forming part of the annual financial statements. Specific information on risk and capital management integral to the audited annual financial statements can be found under the following sections of this risk and capital management report:. Of financial information relating to 2009. Effective risk and capital management is fundamental to the business activities of the group. During the year the ...

5

Wealth – Liberty | Standard Bank Annual Report 2010

http://annualreport2010.standardbank.com/sustainability/business-unit-reviews/wealth-liberty

Raquo; Wealth Liberty. Explanation of principal differences between normalised and IFRS results. Personal and Business Banking. Corporate and Investment Banking. Risk and Capital Management. Headline earnings attributable to the group. Ldquo;Liberty made strong operational progress during 2010 and delivered a good set of financial results. Significant progress was made on numerous fronts.”. Third-party assets under management. Persistency tracking well within assumptions. New business margin improvement.

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Standard Bank Annual Report 2010

We have withstood challenges in the past. And have emerged stronger and more resilient. Standard Bank remains the largest bank in Africa by earnings and assets, with a recognised and trusted brand, and an extremely strong balance sheet. Because the company is so integral to society. It is considered as much a citizen of a country as is a natural person who has citizenship. It is expected that the company will be and will be seen to be a responsible citizen. 2010 will be remembered as a difficult year.

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Solid performance in 2010. 2010 was another year of very solid financial performance by TDC. In a challenging market, TDC delivered revenue growth of 0.3% and EBITDA growth of 2.2%, thereby living up to the guidance provided for the year. Equity Free Cash Flow generation was very strong and reached DKK 4.5bn. Read the whole letter from the CEO Henrik Poulsen. Stable revenues and meaningful revenue growth for the year in line with our guidance, despite a challenging market. LTE/4G network roll-out, initia...

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