IBL Financial Overview
Healthy loan to deposit ratio, stable customer deposit base
Fully self funded from customer deposits: healthy loan to
deposit ratio
Total deposits: stable customer deposit base
R'mn
400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
0
2017
2018
2019
Net core loans and advances (LHS)
•
2020
R'mn
374,369 100.0%
400,000
95.0%
350,000
283,240
90.0%
300,000
85.0%
250,000
80.0%
200,000
75.0%
150,000
73.5%
70.0%
100,000
65.0%
50,000
60.0%
0
2021
2017
2018
2019
Bank deposits
Loans as a % of customer deposits (RHS)
Customer accounts (deposits) (LHS)
Customer deposits have grown by 112.6% (c.8.7% CAGR p.a.)
since 2012 to R374.4bn at 31 March 2021
•
Loans and advances as a percentage of customer deposits
amounts to 73.5%
•
•
2020
Customer accounts (deposits)
374,369
17,144
2021
We also have strong relationships with our institutional clients and
our wholesale funding is diversified by product and tenor
Fixed and notice customer deposits have continued to display
a strong 'stickiness' with continued willingness from clients to
reinvest in our suite of term and notice products
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