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Results Announcement Bank Windhoek Holdings Ltd Group for the year ended 30 June 2013

Results Announcement Bank Windhoek Holdings Ltd Group for the year ended 30 June 2013. 16 August 2013. Agenda. Welcome Economic Overview Banking Sector Overview Overview of BWH Listing Financial Results Way Forward Questions. Market View- General E conomic O utlook Inflation.

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Results Announcement Bank Windhoek Holdings Ltd Group for the year ended 30 June 2013

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  1. Results Announcement Bank Windhoek Holdings Ltd Group for the year ended 30 June 2013 16 August 2013

  2. Agenda • Welcome • Economic Overview • Banking Sector Overview • Overview of BWH Listing • Financial Results • Way Forward • Questions

  3. Market View- General Economic OutlookInflation

  4. Market View - Credit Growth

  5. Housing Market • The housing market has remained strong over the period under review, as demand continues to outstrip supply • Slow delivery of serviced land, especially in Windhoek, continues be the main driver of sluggish growth in supply as well as adding to the current housing backlog • Urbanisationand the consequent growing populations in cities and towns in Namibia is also seen as driving demand in the housing market

  6. Banking Sector Overview • Changing regulatory environment (local and international): • Enhanced capital and liquidity requirements (Basel) • Anti-Money Laundering compliance (national and international) • Standardisation of fees by regulation (consumerism) • Increased drive for financial inclusion in Namibia • Competition from non-bank financial service providers globally • International focus on increased and improved security of all payment systems to counter increased incidences of fraudulent activities in financial services industry internationally • Increased focus on the Consumer: Consumer Protection Guidelines (BON) and the Code of Banking Practice (Banks) • Current growth rates of the Namibian banking industry expected to be sustained

  7. Overview of BWH Listing • The main drivers for the listing of Bank Windhoek Holdings Ltd (BWH) on the Namibian Stock Exchange were to: • Facilitate direct investment in BWH • Assist with the development of the Namibian capital markets • Strengthen the capital base of Bank Windhoek Ltd in anticipation of Basel III • Proactively satisfy the regulatory call for Namibian banking groups to list on the NSX

  8. Overview of BWH Listing

  9. Financial Highlights

  10. Key indicators showing consistent improvement

  11. Bank Windhoek continues to contribute significantly to total comprehensive income

  12. Consistent double digit growth in net interest income

  13. Non-interest income supported by strong growth in commission and fee income

  14. Continued growth in operating profit and efficiency improvements

  15. Contribution to year on year growth in total comprehensive income

  16. Loans and Advances growing whilst improving asset quality

  17. Funding profile

  18. Well capitalised

  19. Growth in Earnings per share N$ cents

  20. Delivering consistent shareholder value Normalised return on average equity

  21. Way Forward • The group remains focused on delivering sustainable value:

  22. Way Forward

  23. Way Forward

  24. Questions?

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