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Annual Report 2021

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About SABB
At a glance

BANK PROFILE

Demonstrating resilience. Delivering growth.
Year in review
SABB and Vision 2030
Investment case

STRATEGIC REPORT

Board Chair’s statement
Business Model
Managing Director’s message
Strategy 2025
Digital Strategy
Customer experience
Market overview
Chief Financial Officer’s review
Operating review
Capital overview
Supporting Micro, Small and Medium-sized Enterprises
Environmental, Social and Governance focus

Governance

The Board of Directors ('the Board')
Biographies of Board Members
Biographies of Executive Management
Changes to the Board during 2021
Board sub-committees
Risk governance
Internal controls
Board assurance
Related parties
SABB General meetings
Directors’ and Senior Executives’ interests
Remuneration
Legal Entity structure
Appointment of external auditors
Debt securities in issue and other borrowings
Statutory payments
Penalties

FINANCIAL STATEMENTS

Independent auditors’ report
Consolidated statement of financial position
Consolidated statement of income
Consolidated statement of comprehensive income
Consolidated statement of changes in equity
Consolidated statement of changes of cash flows
Notes to the consolidated financial statements