Investor Presentaiton

78 ANNUAL FINANCIAL STATEMENTS NOTES TO THE ANNUAL FINANCIAL STATEMENTS CONTINUED 38. STANDARD BANK NAMIBIA LIMITED Annual financial statements 2020 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: Scope of operations Business unit Personal & Business Banking Banking and other financial services to individual customers and small-to-medium- sized enterprises. We enable customers to take control of all their financial aspects such as transacting, saving, borrowing or planning by making use of the following product sets either through face to face interaction or digitally according to their preference Transactional products Comprehensive suite of transactional, saving, investment, trade, foreign exchange, payment and liquidity management solutions made accessible through a range of physical and digital channels. Mortgage lending Residential accommodation loans to mainly personal market customers. Card products • Credit card facilities to individuals and businesses (credit card issuing) • Merchant transaction acquiring services (merchant solutions) Vehicle and asset finance ⚫ Finance of vehicles for retail market customers Finance of vehicles and equipment in the business and corporate assets market Fleet solutions Lending products • Lending products offered to both personal and business markets ⚫ Business lending offerings constitute a comprehensive suite of lending product offerings, structured working capital finance solutions and commercial property finance solutions Wealth ⚫ Short- and long-term insurance products comprising: simple products, including loan protection plans sold in conjunction with related banking products, homeowners' insurance, funeral cover, household contents and vehicle insurance complex insurance products, including life, disability and investment policies sold by qualified intermediaries Financial planning and modelling • Integrated fiduciary services, including fiduciary advice, will drafting and custody services, as well as trust and estates administration • Tailored banking, wealth management, investment and advisory services solutions for private high net worth individuals Investment services, including global asset management 38. Segment reporting continued Scope of operations continued Business unit continued Corporate & Investment Banking Corporate and investment banking services to clients including governments, Client coverage • Relationship management • Sector expertise Global markets • • Money Market Instruments Commodity trading ° Equities parastatals, larger • Foreign exchange corporates, financial • institutions and multinational corporates Other services ⚫ Interest rates trading and structuring Exchange trade products • Credits Transactional products and services • Transactional banking • Investor services • Trade finance • Cash management Investment banking ⚫ Advisory ⚫ Principle finance ⚫ Debt solutions • Structured finance • Structured trade finance and commodity finance • Debt capital markets ⚫ Real estate and principal investment management Includes the results of support functions, which are either centralised or embedded in the business segments. The direct costs of support functions are recharged to the business segments. These functions include: • legal & compliance ⚫ human capital ⚫ finance ⚫ governance ⚫ assurance . IT ⚫ procurement ⚫ marketing ⚫ real estate ⚫ risk management ⚫ group shared services ⚫ corporate social investment 79

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