";s:4:"text";s:5576:" Our online platform includes our environmental, social and governance (ESG) report and our South African transformation report.Discusses the group’s governance and remuneration priorities, as well as the group’s remuneration policy and implementation report.Sets out the group’s full audited annual financial statements, including the report of the group audit committee.Sets out the group’s approach to risk management, including our risk universe.As the group’s largest banking subsidiary, SBSA produces its own annual report and
CONTENTS AIR For information on forward-looking statements, refer to the inside back cover. African-focused, integrated
decisions.Our approach to corporate governance promotes strategic decision-making
the extent to which our investments in satisfied clients,
These are delivered by all our business units and corporate functions.We continue to improve the coverage, accuracy, depth and consistency of the metrics used to measure the outcomes associated with our strategic value drivers. engaged employees and managing risk and conduct are
currency information, group credit ratings,
everything we do. restatements and the glossary.Leadership insight into the operating environment, and key developments in governance and risk management.An overview of our financial and strategic
shape our future sustainability.Our material issues are those that have an impact on our ability to create value
digitally enabled, integrated financial services organisation.Our business model enables us to respond dynamically to our operating environment while executing our strategic priorities.Our strategic value drivers help us focus our efforts and measure
deliver a robust business capable of creating
infrastructural developments we finance, create
Its impact on our communities and business activities
These considerations
materially impacted performance, the general trading environment in
with competitive returns.We are committed to driving sustainable and
USD10 billion) for the six months to 30 June 2020, Standard Bank offers a range of banking and related financial services across sub-Saharan Africa. It is underpinned by our purpose and revolves around the principle of doing valuable things for our clients.Standard Bank is a licensed financial services provider in terms of the Financial Advisory and Intermediary Services Act and a registered credit provider in terms of the National Credit Act, registration number NCRCP15,Read more about our countries of operations, competitive advantages and business units.Read more about each strategic value driver by clicking on each icon.Download the full annual integrated report 2019,Standard Bank of South Africa (SBSA) annual report,Client focus: Corporate investment banking,DOWNLOAD
and conduct issues.We are an
regulations non-negotiable.Delivering sustainable returns to our shareholders depends on
environment while executing our strategic priorities.We continue to improve the coverage, accuracy, depth and consistency of the metrics used to measure
REPORT,READ
other stakeholders.Our integrated report provides a holistic and material assessment of the group’s ability to create value in the short, medium and long term.Our strategic approach is consistent with integrated thinking to create a shared future for our clients, our people and our other stakeholders.We prepare a full suite of reports that caters for the diverse needs of our stakeholders.We are an African-focused, client-centric, digitally enabled integrated financial
responsible business
the outcomes associated with our strategic value drivers. based on this trust,
correlates with how satisfied our clients are, and
reflect the highest
of risks and our
achieve this, we must ensure that the clients we
is still being quantified. effective and efficient. future for our clients, our people and our
their preferred channel.How our people think and feel about their work
We intend to include these impacts in our strategy and short and long term budget plans.Our strategic approach is consistent with
reconcile the interests of the group, stakeholders and society in
STANDARD BANK GROUP 5 Annual financial statements 2019 This report is provided by the group audit committee, in respect of the 2019 financial year of Standard Bank Group Limited, in compliance with section 94 of the Companies Act, as amended from time to …
assessment of the group’s performance for 2019, including matters that have
balance the capital we allocate to these strategic investments
earn the trust that our
societal conduct that
and performance aspirations.Effective management
in the short, medium and long term.Our strategy is underpinned by our purpose and revolves around delivering simple, relevant and
stakeholders place in us. are front and centre when we make business
We strive to meet their
individual needs by seamlessly delivering
2019,AFRICA REGIONS CONTRIBUTION TO HEADLINE
services group with compelling competitive advantages.Additional information includes pro forma
About this report 78% OF SBG’S ASSETS1 66% OF SBG’S NET INTEREST INCOME2 65% OF SBG’S TOTAL