Home Loansupdate

April 2015

Home loan

Property

Customer

Source : GPG.com

R2,600,000 per sqm

Home loan

Property

Customer

Loan book growth above industry

Source : Reserve Bank

Red line – industryBlue line - FirstRand

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

9.0%

10.0%

Jun-09 Jun-10 Jun-11 Jun-12 Jun-13 Jun-14

FirstRand Industry

Home loan

Property

Customer

Strong market play although smaller loan book

Source : Deeds Office

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

Jul-

11

Au

g-1

1

Sep

-11

Oct

-11

No

v-1

1

De

c-1

1

Jan

-12

Feb

-12

Mar

-12

Ap

r-1

2

May

-12

Jun

-12

Jul-

12

Au

g-1

2

Sep

-12

Oct

-12

No

v-1

2

De

c-1

2

Jan

-13

Feb

-13

Mar

-13

Ap

r-1

3

May

-13

Jun

-13

Jul-

13

Au

g-1

3

Sep

-13

Oct

-13

No

v-1

3

De

c-1

3

Jan

-14

Feb

-14

Mar

-14

Ap

r-1

4

May

-14

Jun

-14

Jul-

14

Au

g-1

4

Sep

-14

Oct

-14

No

v-1

4

De

c-1

4

Jan

-15

FIRSTRAND

Home loan

Property

Customer

Credit quality remains intact

Source : Financial reports

Home loan

Property

Customer

Source : GPG.com

Consistent approach important

Home loan

Property

Customer

Return above industry norm

Source : Financial reports

Home loan

Property

Customer

Some potential in our geographic spread

Home loan

Property

Customer

Equity build up can be used wisely

equity

Home loan

Property

Customer

Thank you