SBN HOLDINGS LIMITED Annual Report 2022

116 37. NOTES TO THE ANNUAL FINANCIAL STATEMENTS continued Segment reporting The company is organised on the basis of products and services and the segments have been identified on this basis. The principal business units in the company are as follows: 37. Segment reporting continued Scope of operations continued Business unit continued Segmental structure for key business lines SBN Holdings Namibia Banking Client segments The client segments are responsible for designing and executing the client value proposition strategy. Client segments own the client relationship and create multi-product customer experiences to address life events distributed through our client engagement platforms. Consumer & High Net Worth The Consumer & High Net Worth (CHNW) client segment is responsible for the end-to-end lifecycle of clients. CHNW services individual clients across sub-Saharan Africa. We enable our clients' daily lives by providing relevant solutions throughout their life journeys. Business & Commercial Banking The Business & Commercial Banking (BCB) client segment provides broad based client solutions for a wide spectrum of small- and medium-sized businesses as well as large commercial enterprises. Our client coverage support extends across a wide range of industries, sectors and solutions that deliver the necessary advisory, networking and sustainability support required by our clients to enable their growth. Corporate & Investment Banking The Corporate & Investment Banking (CIB) segment serves large companies (multinational, regional and domestic), governments, parastatals and institutional clients across Africa and internationally. Our clients leverage our in-depth sector and regional expertise, our specialist capabilities and our access to global capital markets for advisory, transactional, trading and funding support. Insurance Client solutions Client solutions support the client segments and the group as a whole. This team works in partnership with the client segments in pursuit of the client value proposition strategy. Client solutions provide products and services for banking, insurance and investments and will expand into non-financial services and solutions over time. SBN HOLDINGS LIMITED Annual report 2022 Home services Residential accommodation financing solutions, including related value added services. Retail lending Comprehensive suite of lending products provided to individuals and small and medium-sized businesses. Vehicle and asset finance Comprehensive finance solutions in instalment credit, fleet management and related services across our retail and business markets. Retail transactional Comprehensive suite of transactional, savings, payment and liquidity management solutions. Card and payments Credit card facilities to individuals and businesses. Merchant acquiring services. Enablement of digital payment capabilities through various products and platforms. Mobile money and cross- border businesses. 117 Investment banking Full suite of advisory and financing solutions, from term lending to structured and specialised products across equity and debt capital markets. Transactional products and services Comprehensive suite of cash management, international trade finance, working capital and investor services solutions. Global markets Trading and risk management solutions across financial markets, including foreign exchange, money markets, interest rates, equities, credit and commodities. Short-term and long-term insurance activities ■Financial advisory and brokerage service activities: - Short-term: Homeowners' insurance, household contents, vehicle insurance and commercial all risk insurance. - Long-term: Life, disability, funeral cover and credit life offered in conjunction with related banking products. Wealth management and trust administration services Wealth management, passive investments, international investments, structured products and social impact investing. Integrated fiduciary services including fiduciary advice, will drafting, custody services and trust and estate administration. Central and other Group hedging activities. Unallocated capital. Liquidity earnings. Central costs.

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