{"id":831,"date":"2014-10-17T10:27:00","date_gmt":"2014-10-17T08:27:00","guid":{"rendered":"http:\/\/www.remgro.com\/ar2015\/?page_id=831"},"modified":"2015-10-23T12:30:53","modified_gmt":"2015-10-23T10:30:53","slug":"banking","status":"publish","type":"page","link":"https:\/\/www.remgro.com\/ar2015\/index.php\/reports-to-shareholders\/investment-reviews\/banking\/","title":{"rendered":"Banking"},"content":{"rendered":"<div class=\"table-responsive\">\n<table class=\"investment_table\" width=\"100%\" border=\"0\">\n<tr>\n<td class=\"empty\" valign=\"bottom\"><\/td>\n<td width=\"15%\" valign=\"bottom\"><\/td>\n<td width=\"15%\" valign=\"bottom\"><\/td>\n<td width=\"2%\" valign=\"bottom\"><\/td>\n<td width=\"1%\" valign=\"bottom\" class=\"tablelastcol\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"tablecopy borderbb1 tablecopyuc\">contribution to headline earnings<\/td>\n<td valign=\"bottom\" class=\"figboldhead borderlg1 borderrg1\">30 June<br \/>\n      2015<br \/>\n    R million<\/td>\n<td valign=\"bottom\" class=\"figreghead borderrg1\">30 June<br \/>\n      2014<br \/>\n    R million<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"tablelastcol\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"tablecopy\">RMBH<\/td>\n<td valign=\"bottom\" class=\"figbold borderlg1\">2 005<\/td>\n<td valign=\"bottom\" class=\"figreg borderlg1 borderrg1\">1 793<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"tablelastcol\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"borderbg1 tablecopy\">FirstRand<\/td>\n<td valign=\"bottom\" class=\"borderbg1 figbold  borderlg1\">840<\/td>\n<td valign=\"bottom\" class=\"borderbg1 figreg  borderlg1 borderrg1\">749<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"tablelastcol\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"figbold borderbg2 tablecopy borderlg1\">2 845<\/td>\n<td valign=\"bottom\" class=\"figreg borderbg2  borderlg1 borderrg1\">2 542<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"tablelastcol\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td class=\"empty\" valign=\"bottom\"><\/td>\n<td valign=\"bottom\"><\/td>\n<td valign=\"bottom\"><\/td>\n<td valign=\"bottom\"><\/td>\n<td valign=\"bottom\" class=\"tablelastcol\"><\/td>\n<\/tr>\n<\/table>\n<\/div>\n<div class=\"spacer\"><\/div>\n<div class=\"osc-res-tab tabbable   osc-tabs-left\"><div style=\"clear:both;width: 100%;\"><ul class=\"nav osc-res-nav nav-tabs osc-tabs-left-ul\" id=\"oscitas-restabs-1-banking-84889\"><li class=\"active\"><a href=\"#ert_pane1-0\" data-toggle=\"tab\">RMBH<\/a><\/li><li class=\"\"><a href=\"#ert_pane1-1\" data-toggle=\"tab\">FirstRand<\/a><\/li><\/ul><\/div><div style=\"clear:both;width: 100%;\"><ul class=\"tab-content\" id=\"oscitas-restabcontent-1-banking-84889\"><li class=\"tab-pane active\" id=\"ert_pane1-0\"><br \/>\n<img decoding=\"async\" class=\"investment-pics\" src=\"http:\/\/remgro.com\/wp-content\/themes\/remgro\/images\/2015\/ir2015\/p37_2.jpg\" alt=\"\" border=\"0\" \/><\/p>\n<p><strong>Profile<\/strong><\/p>\n<p>RMBH is a focused investment company, holding a 34.1% interest in FirstRand, Southern Africa\u2019s pre-eminent banking group.<\/p>\n<div class=\"table-responsive\">\n<table width=\"100%\" border=\"0\">\n<tr>\n<td class=\"tableheadgrey\" valign=\"top\" width=\"30%\">CORPORATE INFORMATION<\/td>\n<td class=\"tableheadgreyC borderlrw\" valign=\"top\" width=\"\">FINANCIAL HIGHLIGHTS<\/td>\n<td class=\"tableheadgrey\" valign=\"top\" width=\"33%\">SUSTAINABILITY MEASURES<\/td>\n<\/tr>\n<tr>\n<td>\n<p class=\"tablecopyblue\">Market cap at 30 June 2015<\/p>\n<p>R93 808 million<\/p>\n<p class=\"tablecopyblue\">Listed on the JSE Limited<\/p>\n<p><\/p>\n<p class=\"tablecopyblue\">Chief Executive Officer<\/p>\n<p>H L Bosman<\/p>\n<p class=\"tablecopyblue\">Remgro nominated directors<\/p>\n<p>L Crouse<\/p>\n<p class=\"tablecopyblue\">Website<\/p>\n<p><a href=\"http:\/\/www.rmbh.co.za\" target=\"_blank\">www.rmbh.co.za<\/a><\/p>\n<\/td>\n<td class=\"borderlrb\">\n<table class=\"\" width=\"100%\" border=\"0\">\n<tr>\n<td  width=\"2%\"rowspan=\"6\"><\/td>\n<td class=\"empty\" valign=\"bottom\"><\/td>\n<td width=\"30%\" valign=\"bottom\"><\/td>\n<td width=\"30%\" valign=\"bottom\"><\/td>\n<td width=\"2%\" valign=\"bottom\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"tablecopy borderbb1 tablecopyuc\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"figboldhead borderlg1 borderrg1\">Year<br \/>\n          ended<br \/>\n          30 June<br \/>\n          2015<br \/>\n          R million<\/td>\n<td valign=\"bottom\" class=\"figboldhead borderrg1\">Year <br \/>\n          ended<br \/>\n          30 June<br \/>\n          2015<br \/>\n          %<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"tablecopy\">Headline earnings<\/td>\n<td valign=\"bottom\" class=\"figbold borderlg1\">7 177<\/td>\n<td valign=\"bottom\" class=\"figbold borderlg1 borderrg1\">+12<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\" tablecopy borderbg1\">Normalised headline earnings<\/td>\n<td valign=\"bottom\" class=\" figbold borderbg1 borderlg1\">7 158<\/td>\n<td valign=\"bottom\" class=\" figbold borderbg1 borderlg1 borderrg1\">+15<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"footnote\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"\">&nbsp;<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<\/table>\n<\/td>\n<td valign=\"middle\" class=\"footnote pad\">Refer to FirstRand as RMBH is only an investment holding company.<\/td>\n<\/tr>\n<tr class=\"borderbg1\">\n<td class=\"\"><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/table>\n<\/div>\n<div class=\"spacer\"><\/div>\n<p class=\"Investment-reviews_Investment-blue-caps-bold\">RMB HOLDINGS LIMITED (RMBH)<\/p>\n<p class=\"Body-text\">Since the restructuring of RMBH\u2019s banking and insurance interests during 2011, its only asset is a fully diluted interest of 34.1% in FirstRand Limited, and its performance is therefore directly related to that of FirstRand Limited.<\/p>\n<p class=\"Body-text\">The contribution of RMBH to Remgro\u2019s headline earnings for the year under review increased to R2&nbsp;005&nbsp;million (2014: R1&nbsp;793&nbsp;million) due to strong operational performances of all three of the main FirstRand brands (FNB, RMB and WesBank).<\/p>\n<p><\/li><li class=\"tab-pane \" id=\"ert_pane1-1\"><br \/>\n<img decoding=\"async\" class=\"investment-pics\" src=\"http:\/\/remgro.com\/wp-content\/themes\/remgro\/images\/2015\/ir2015\/p38_1.jpg\" alt=\"\"  border=\"0\" \/><\/p>\n<p><strong>Profile<\/strong><\/p>\n<p>FirstRand provides banking and insurance and investment products and services to retail, commercial, corporate and public sector customers in South Africa and several African countries. The group is differentiated by its owner-manager culture and executes its strategy through a portfolio of leading franchises; Rand Merchant Bank (RMB), First National Bank (FNB), WesBank and Ashburton Investments.<\/p>\n<div class=\"table-responsive\">\n<table width=\"100%\" border=\"0\">\n<tr>\n<td class=\"tableheadgrey\" valign=\"top\" width=\"30%\">CORPORATE INFORMATION<\/td>\n<td class=\"tableheadgreyC borderlrw\" valign=\"top\" width=\"\">FINANCIAL HIGHLIGHTS<\/td>\n<td class=\"tableheadgrey\" valign=\"top\" width=\"33%\">SUSTAINABILITY MEASURES<\/td>\n<\/tr>\n<tr>\n<td>\n<p class=\"tablecopyblue\">Market cap at 30 June 2015<\/p>\n<p>R299 098 million<\/p>\n<p class=\"tablecopyblue\">Listed on the JSE Limited<\/p>\n<p><\/p>\n<p class=\"tablecopyblue\">Chief Executive Officer<\/p>\n<p>S E Nxasana<\/p>\n<p class=\"tablecopyblue\">Remgro nominated directors<\/p>\n<p>L Crouse, J J Durand<\/p>\n<p class=\"tablecopyblue\">Website<\/p>\n<p><a href=\"http:\/\/www.firstrand.co.za\" target=\"_blank\">www.firstrand.co.za<\/a><\/p>\n<\/td>\n<td class=\"borderlrb\">\n<table class=\"\" width=\"100%\" border=\"0\">\n<tr>\n<td  width=\"2%\"rowspan=\"7\"><\/td>\n<td class=\"empty\" valign=\"bottom\"><\/td>\n<td width=\"30%\" valign=\"bottom\"><\/td>\n<td width=\"30%\" valign=\"bottom\"><\/td>\n<td width=\"2%\" valign=\"bottom\"><\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"tablecopy borderbb1 tablecopyuc\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"figboldhead borderlg1 borderrg1\">Year<br \/>\n          ended<br \/>\n          30 June<br \/>\n          2015<br \/>\n          R million<\/td>\n<td valign=\"bottom\" class=\"figboldhead borderrg1\">Year <br \/>\n          ended<br \/>\n          30 June<br \/>\n          2015<br \/>\n          %<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"tablecopy\">Revenue<\/td>\n<td valign=\"bottom\" class=\"figbold borderlg1\">23 428<\/td>\n<td valign=\"bottom\" class=\"figbold borderlg1 borderrg1\">+19<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\" tablecopy\">Operating profit<\/td>\n<td valign=\"bottom\" class=\" figbold bra borderlg1\">1 452<\/td>\n<td valign=\"bottom\" class=\" figbold bra borderlg1 borderrg1\">+172<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\" tablecopy borderbg1\">Normalised headline earnings<\/td>\n<td valign=\"bottom\" class=\" figbold borderbg1 borderlg1\">972<\/td>\n<td valign=\"bottom\" class=\" figbold borderbg1 borderlg1 borderrg1\">Nm<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td valign=\"bottom\" class=\"footnote\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"\">&nbsp;<\/td>\n<td valign=\"bottom\" class=\"\">&nbsp;<\/td>\n<td valign=\"bottom\">&nbsp;<\/td>\n<\/tr>\n<\/table>\n<\/td>\n<td>\n<p class=\"tablecopyblue\">CSI\/Training spend<\/p>\n<p>R128 million<\/p>\n<p class=\"tablecopyblue\">Number of employees<\/p>\n<p>38 542<\/p>\n<p class=\"tablecopyblue\">BBBEE status<\/p>\n<p>Level 2<\/p>\n<p class=\"tablecopyblue\">Environmental aspect<\/p>\n<p>Total emissions of<br \/>\n      269 455 tonnes CO<sub>2<\/sub>e<\/p>\n<\/td>\n<\/tr>\n<tr class=\"borderbg1\">\n<td class=\"\"><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/table>\n<\/div>\n<div class=\"spacer\"><\/div>\n<p class=\"Investment-reviews_Investment-blue-caps-bold\">FIRSTRAND LIMITED (FIRSTRAND)<\/p>\n<p class=\"Body-text\">FirstRand\u2019s contribution to Remgro\u2019s headline earnings repre\u00adsents Remgro\u2019s 3.9% direct interest in FirstRand and excludes the indirect contribution from FirstRand through Remgro\u2019s 28.2% interest in RMBH. The contribution of FirstRand to Remgro\u2019s headline earnings for the year under review increased to R840&nbsp;million (2014: R749&nbsp;million).<\/p>\n<p class=\"Body-text\">FirstRand\u2019s results for its year ended 30&nbsp;June&nbsp;2015 reported that headline earnings increased by 13% to R21&nbsp;141&nbsp;million (2014: R18&nbsp;671&nbsp;million), as all three franchises delivered strong operational performances and continued to outperform the market. The group\u2019s net interest income and non-interest revenue grew by 16% and 8% respectively year on year as operating cost increases were limited to 10%, reflecting variable staff costs related to higher levels of profitability, the continued investment in infrastructure, operating footprint and regulatory requirements.<\/p>\n<p class=\"Body-text\">The group believes that normalised earnings more accurately reflect operational performance and therefore headline earnings are adjusted to take into account non-operational items and accounting anomalies.<\/p>\n<p class=\"Body-text\">FirstRand\u2019s normalised earnings for the year under review increased by 14% to R21&nbsp;286&nbsp;million (2014: R18&nbsp;663&nbsp;million). FNB\u2019s contribution to normalised earnings increased by 16% to R11&nbsp;300&nbsp;million (2014: R9&nbsp;701&nbsp;million). This was driven by strong growth in both existing and new markets resulting from innovative products and delivery channels and increased transactional volumes across all of its platforms, particularly its electronic and digital platform. RMB contributed R5&nbsp;888&nbsp;million (2014: R5&nbsp;507&nbsp;million) to FirstRand\u2019s normalised earnings, representing an increase of 7% from the previous year, as its diversified investment banking and corporate portfolios delivered strong profit growth, with a growing contribution from bespoke structuring transactions and activities in the rest of Africa. The contribution of WesBank to normalised earnings increased by 10% to R3&nbsp;309&nbsp;million (2014: R3&nbsp;013&nbsp;million), as it continued to grow new business volumes across all portfolios and was able to contain core operating cost increases to 3%.<\/p>\n<p><\/li><\/ul><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>contribution to headline earnings 30 June 2015 R million 30 June 2014 R million &nbsp; &nbsp; RMBH 2 005 1 793 &nbsp; &nbsp; FirstRand 840 749 &nbsp; &nbsp; &nbsp; 2 845 2 542 &nbsp; &nbsp;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":448,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-full-width.php","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banking - Remgro Limited<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.remgro.com\/ar2015\/index.php\/reports-to-shareholders\/investment-reviews\/banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking - Remgro Limited\" \/>\n<meta property=\"og:description\" content=\"contribution to headline earnings 30 June 2015 R million 30 June 2014 R million &nbsp; 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