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Who we are Apply for a loan Share Price Information Financial Calendar

Personal Finance Our Pledge to you Apply Online Apply via Fax Apply via Phone Questions and Answers Investor Relations Financial calendar Share price information counseling debt

Shareholder s profile Listing information Share trading Dividends Analyst research Investor day Bond programme Preference shares Abil s odd-lot offer ADR programme Notice to AGM Letter to stakeholders STRATE

Financials Financial results Annual reports Financial highlights Financial archives Financial history Transition to IFRS About ABIL Our history Objectives Stategic review Our clients Board of directors consolidation consumer debt

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BEE scorecard ABIL s response ABIL s BEE report Black equity ownership programme

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Consumer Support Desk Legislation and Compliance Your Comments tr> Investments Sponsorships Contacts Contact Details tr> Investments Sponsorships This Month s Promotion This Month s Winner tr> Investments Sponsorships Terms and conditions

| Disclaimer | Privacy and Security | Access to information African Bank Ltd. is an Authorised Financial Services Provider company consolidation debt

Products Enquiry Form CRM Contact Detail Affordable. Convenient. Responsible.

African Bank provides unsecured credit that is affordable, convenient and responsible allowing the formally-employed emerging market to improve the quality of their lives using flexible, innovative and individually-priced product offerings. Serving the formally-employed emerging market consolidation debt online

African Bank also offers a service that is particularly relevant to all of South Africa s employers. In other words, if you re an employer, then the formally-employed emerging market we serve makes up part of your organisation. consolidation debt free

Our history Strategic review Our clients Board of directors Corporate governance Credit ratings Charters Our sustainability tr> Investments Sponsorships News and Media SENS announcements debt problem

Media reports Archived news

Black Economic Empowerment Financial sector charter BEE scorecard ABIL s response ABIL s BEE report Black equity ownership programme start of share stuff end of share stuff Terms and conditions | Disclaimer | Privacy and Security | Access to information credit debt

Introduction The 2006 financial year was one in which ABIL took significant strides towards achieving the group s long-term strategic goals set in 2005, whilst at the same time maintaining a track record of delivering on its short and medium-term financial objectives, albeit in an environment that has been conducive to credit. A Reflection On Abil s Journey As this financial year closes, the group stands on the verge of an exciting new chapter in the evolution of the credit market in South Africa. However, before we look to what the future holds, we would like to reflect on the journey that has brought ABIL to its current position as a leader in the development of the unsecured credit market. advice debt

The ABIL group has had its roots in the pioneering and development of the unsecured credit market within South Africa. In the early 1990s, this was a market in which the vast majority of South Africans had little or no access to credit from the formal financial services sector. During its early years, the group focused on unlocking access to credit, by developing models and products that allowed the risks and dynamics of the market to emerge. As with all pioneering industries and technologies, the initial models were disparate, lacked critical mass, and needed to be priced high for the uncertainty of the risks still to emerge. As the business model started to show promise new entrants emerged, and accordingly during the late 1990s, the unsecured credit market grew exponentially. Unfortunately, these early years were not without failure and turbulence. A number of the early entrants failed from 2000 to 2002, as they did not understand the risks within this market environment - Saambou and Unifer, being the larger of these. card credit debt eliminate

Since 2002, the market in which ABIL operates has grown steadily and has enjoyed a period of sustained buoyancy. South African consumers, especially those within the formally employed, middle to lower income groups, have enjoyed the fruits of a growing economy and the early benefits of the transformation process taking place within our economy. The ABIL group has gained from this tailwind, and this, together with a number of strategic initiatives have ensured that the group has met all of its financial objectives, and delivered a steady growth in shareholder value over the last four years. debt recovery

During the same period, the government embarked on a process to address the regulatory regime governing the credit market and the imbalances that had embedded themselves as a result of the disparate nature of the existing laws. counseling credit debt

At the heart of these debates was the attempt to find the right balance between: consolidation debt uk

• Promoting a regime that would unlock greater access to credit to South African consumers whilst on the other hand, protecting those same consumers from being exploited by credit providers and/or suffering financial damage as a result of taking on more credit than they could reasonably afford. In particular, mechanisms have been put in place to ensure high levels of transparency and disclosure as well as to sanction credit providers who are found to be reckless in their lending practices. debt reduce

AFRICAN BANK ELECTRONIC Application Form An Authorised Financial Services Provider African Bank is registered with the MICRO FINANCE REGULATORY COUNCIL (MFRC) and is also a member of the BANKING COUNCIL. To apply for a loan you need to provide us with your personal information. Some of the information required is: Your ID number as per your South African identification document Your salary details as per your most recent payslip get out of debt

Your street address / utility bill If you have a bank account then we require a bank statement showing a minimum of 30 days transaction history Please ensure that you capture as much information as possible, which will assist us with your application for credit. debt destroy

African Bank - Your Credit Bank African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Client Login

Welcome to African Bank - Your Credit Bank Personal Finance How to apply debt negotiation

Apply for a loan Apply Online Apply via Fax Apply via Phone Products Questions and answers Glossary of words Investor Zone Employer Corporate Services Benefits Enquiry Form Client Services Log a query debt elimination

Rate our services ABIL The ABIL Consumer Advocates Office Legislation and Compliance Free Consumer Services Your comments

Contacts Personal Finance Online Loan Application Print Application Form Products Services Investor Zone Financial results, Share price information, Annual reports, Announcements, financial calendar etc. consolidation debt mortgage

Employer Corporate Services Corporate Services Service Requisition Form About African Bank Client Services The ABIL Consumer Advocates Office Queries and Complaints Your feedback Terms and conditions | Disclaimer | Privacy and Security | Access to information collection debt

African Bank Ltd. is an Authorised Financial Services Provider African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Client Login ABIL Consumer Advocates Office Personal Finance How to apply Rate our services The ABIL Consumer Advocates Office Legislation and Compliance Free Consumer Services Your comments Contacts African Bank Home | Client Services | ABIL Consumer Advocates Office African Bank is dedicated to affordable, convenient and responsible financial support - as well as sincere, consistent and effective client services. In this section, we ll help you to log queries, give feedback, obtain information and protect your consumer rights. card consolidate credit debt

Free consumer services Log query

African Bank is a lender committed to adhering to its legal and moral requirements and to responsible lending practices. We re also prepared to go beyond the call of duty - by ensuring that all consumers who are clients of African Bank Investment Limited are fairly and equitably treated. Our Consumer Support Desk: consolidation debt help

• acts as a watchdog on consumer protection issues; consolidation credit debt

• is the custodian of our Consumer Pledge; bill consolidation debt

• includes the ABIL Internal Ombuds Office; and consolidator debt

• promotes consumer rights in general, including the work of regulatory and consumer-protection bodies like the OBSSA and MFRC. card credit debt management

We re also dedicated to providing you with the contact details of the different Ombuds offices or other consumer protection bodies: Banks The Ombudsman for Banking Services Tel (011) 838 0035 or ShareCall 0860 800 900 Micro-lending The Micro Finance Regulatory Council Tel 0860 100 406 Insurance (e.g. life insurance) The Long-Term Insurance Ombudsman Tel (021) 674 0330 Insurance (e.g. car/household) The Short-Term Insurance Ombudsman Tel (011) 726 8900 debt loan

Fax (011) 726 5501 Financial investment advice The Financial Advisory and Intermediary Services Ombud Tel (012) 470 9080 Debt collectors Council for Debt Collectors Tel (012) 804 9808 Fax (012) 804 0744 Debt counselling The MFRC Tel 0860 100 406 Builders and housing National Home Builders Registration Council Tel (011) 348 5700 Credit information Ombuds for Credit Information Tel (011) 838 0035 Motor car dealers/repairs The Motor Industry Adjudicator Tel (012) 361 8824 bad debt

Fax (012) 348 9303 Furniture retailers The Furniture Traders Association Tel (011) 789 6770/1/2 Fax (011) 789 6645 Terms and conditions | Disclaimer | Privacy and Security | Access to information African Bank Ltd. is an Authorised Financial Services Provider consolidation debt quote

Rate our services The ABIL Consumer Advocates Office Legislation and Compliance Free Consumer Services Your comments

Contacts African Bank Home | Client Services You could contact our CLIENT SERVICE CENTRE on 086 11 11 0 11 or simply use the WEBSITE ENQUIRY form below and provide us with the information required to assist you. card credit debt elimination

About ABIL Free consumer services Log query Our commitment

At African Bank, we re committed to assisting you and meeting your needs with the greatest speed and efficiency. In fact, our Client Services motto is zama icebo ( make a plan ). As part of this motto, we endeavour to take ownership of your issues, listen to your input, apologise if we are in the wrong and set things right with a sense of urgency, at our cost. consolidation debt lead

Our procedure

We have developed an innovative and streamlined procedure, composed of three steps, for handling your queries and/or complaints. The system works because it is simple and efficient: saving you time, allowing quick communication between us and enabling African Bank to address your needs in the best, most appropriate way possible. consolidation debt non profit

Terms and conditions

| Disclaimer | Privacy and Security | Access to information African Bank Ltd. is an Authorised Financial Services Provider debt loan student

Rate our services The ABIL Consumer Advocates Office Legislation and Compliance Free Consumer Services Your comments

Contacts African Bank Home | Client Services | Free consumer services We are committed to resolving your queries and complaints with the greatest speed and efficiency. Our motto for dealing with your queries is zama icebo (make a plan) - we will take ownership of your issues, listen, apologise where we are wrong and make necessary corrections with a sense of urgency. credit debt services

As this financial year closes, the group stands on the verge of an exciting new chapter in the evolution of the credit market in South Africa. However, before we look to what the future holds, we would like to reflect on the journey that has brought ABIL to its current position as a leader in the development of the unsecured credit market. The ABIL group has had its roots in the pioneering and development of the unsecured credit market within South Africa. In the early 1990s, this was a market in which the vast majority of South Africans had little or no access to credit from the formal financial services sector. During its early years, the group focused on unlocking access to credit, by developing models and products that allowed the risks and dynamics of the market to emerge. As with all pioneering industries and technologies, the initial models were disparate, lacked critical mass, and needed to be priced high for the uncertainty of the risks still to emerge. As the business model started to show promise new entrants emerged, and accordingly during the late 1990s, the unsecured credit market grew exponentially. Unfortunately, these early years were not without failure and turbulence. A number of the early entrants failed from 2000 to 2002, as they did not understand the risks within this market environment - Saambou and Unifer, being the larger of these. consolidation debt loan online

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Financial Objectives African Bank Home | Investor Zone | Financial Objectives Looking ahead ABIL is confident that it will achieve its stated financial objectives for the 2007 financial year, but more importantly, will continue to use the high return on equity currently being achieved to strengthen the competitive position and growth prospects of the group for subsequent financial periods through further risk discovery and price reductions on its products. consolidation debt home loan

African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

ABIL s Odd-Lot Offer African Bank Home | Investor Zone | ABIL s Odd-Lot Offer Abil made and odd-lot offer to shareholders holding fewer than 100 shares in 2006. debt national

Offer Document

150 KB SENS Announcement 81 KB Implementation and results of the odd-lot offer 56 KB Terms and conditions | Disclaimer | Privacy and Security | Access to information African Bank Ltd. is an Authorised Financial Services Provider company debt management

African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

Preference Shares African Bank Home | Investor Zone | Preference Shares Abil has 5 million preference shares in issue which are listed on the JSE. christian consolidation debt

JSE Sector:

Specialist Securities Preference Shares JSE Code: ABLP Reuters Code: ABLPp.J Dividend: 69% of South African prime rate Dividend dates: June + December Placement document 164 KB Terms announcement 56 KB Media Announcement regarding possible changes to dividend rate 14 KB agency collection debt

Year Dividend No Cents per share Last date to trade cum dividend Payment date 2006

4 392 1 December 2006 11 December 2006 2006 3 361 2 June 2006 12 June 2006 2005 2 361 2 December 2005 12 December 2005 2005 1 169 3 June 2005 20 June 2005 Terms and conditions | Disclaimer | Privacy and Security | Access to information calculator debt

African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

Share Trading African Bank Home | Investor Zone | Share Trading African Bank does not have in-house stock brokers and as a result we do not offer a share trading facility. However, there are a few institutions that offer online share trading. consolidation debt information

To link to on-line trading please click on any of the sites below: http://www.tradek.co.za/ http://www.psg.co.za/ http://www.sharenet.co.za/ http://www.boesecurities.co.za/ Terms and conditions

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African Bank - Your Credit Bank Personal Finance Investor Zone Employer Corporate Services Client Services Site Help Site map Home

Strategic Review African Bank Home | Investor Zone | Strategic Review The company s strategies are significantly informed by the opportunities and risks it identifies in the market. These opportunities and risks arise as a result of changes to the environment, to the regulatory framework within which the industry operates and to the behaviour of clients and competitors. In this review we outline the main features of our strategy and test it against the opportunities and risks that are emerging within ABIL s target market. consolidation debt solution

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Sustainability at ABIL African Bank Home | Investor Zone | Sustainability at ABIL Sustainable development for Abil is about promoting cultural diversity and equity in the workplace. It is about providing a valued and responsible service to our clients and providing opportunities for social and economic development through our core business activities. And it is about proactively minimizing any adverse environmental impacts. Most of all, it is about being responsive to the expectations of our various stakeholders, identifying and responding to their concerns and interests. In this report we describe the various activities we have undertaken on each of these fronts, focusing on those issues that we believe are of material relevance and interest to our different stakeholder groups. california consolidation debt

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Transition to IFRS African Bank Home | Investor Zone | Transition to IFRS African Bank Investments Limited (ABIL) made the transition to International Financial Reporting Standards (IFRS) for the financial year ending 30 September 2006. card credit debt relief

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Credit Ratings African Bank Home | Investor Zone | Credit Ratings MOODY S ASSIGNS A2.za/Prime-1.za NATIONAL SCALE ISSUER RATINGS TO AFRICAN BANK LIMITED OF SOUTH AFRICA consolidation debt loan uk

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