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</o:shapelayout></xml><![endif]--></head><body lang=EN-ZW link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal style='text-align:justify'><o:p> </o:p></p><table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 align=left width=1272 style='width:635.8pt;border-collapse:collapse;margin-left:7.5pt;margin-right:7.5pt'><tr style='height:929.95pt'><td width=1272 valign=top style='width:635.8pt;padding:0cm 5.4pt 0cm 5.4pt;height:929.95pt'><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><img width=1250 height=414 id="Picture_x0020_1" src="cid:image001.jpg@01D7258E.B06790C0" alt="cid:image001.jpg@01D70F49.B9215E40"></span></b><b><span style='font-family:"Verdana",sans-serif'><o:p></o:p></span></b></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:10.0pt;line-height:115%;font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><b><span style='font-family:"Georgia",serif'>Harare, 30 March 2021 - </span></b><span style='font-family:"Georgia",serif'>Nedbank delivered strong financial performance with substantial growth in operating income and profitability and displaying resilience in a challenging operating environment in 2020.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><b><span style='font-family:"Georgia",serif'>Highlights:<o:p></o:p></span></b></p><p class=MsoListParagraphCxSpFirst style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Led banking industry Brand Sentiment in 2020 due to client engagement<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Operating income grew to ZWL 3.4 billion outpacing in inflation terms ZWL 2.9 billion in prior year<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>ZWL 1.1 billion historical profit total comprehensive income in 2020 against ZWL 198 million in 2019<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Reversed 2019 loss to achieve inflation adjusted total comprehensive income of ZWL 159 million from ZWL 761 million loss<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>ZWL 14.2 billion total balance sheet size from ZWL 12 billion, 18% growth inflation adjusted<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>453% Deposits growth in historical terms to ZWL 11.3 billion from ZWL 2.0 billion in 2019 and 23% deposit growth in real terms inflation adjusted<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>ROE - Return on Equity increased to 135% from 118% over prior year 2019 in historical terms<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Cost to income ratio 43.1% in historical terms<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Strong liquidity ratio 108% against 30% prudential limit<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Capital Adequacy Ratio of 22% against 12% prudential limit with<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Shareholder equity of ZWL 1.4 billion equivalent to USD 17 million<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>62% Interest earning assets to local currency ZWL deposits in loans and Government securities<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>29% reduction in net monetary loss in 2020 from 2019 with balance sheet monetary in nature<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Credit relief extended to individuals and companies with business impacted by COVID-19<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Operating performance underpinned by non-interest income NIR and cost optimisation:<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Customer base and accounts growth with remote onboarding via digital<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Digital platforms transactions volumes growth<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>POS point of sale value growth to 2nd place market share of all Zimswitch transactions<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Increased upsell and cross-sell of products and services<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Foreign exchange dealing and translation gains<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Cost optimisation with 12% inflation adjusted reduction in operating expenses<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoListParagraphCxSpMiddle style='margin-bottom:0cm;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level1 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:Wingdings'><span style='mso-list:Ignore'>§<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Digital Solutions rolled out in 2020<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>USD multi-currency on internet banking, mobile banking and ATMs<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Online account opening on website and mobile banking<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Mobile wallet transfers from bank to all networks cell phone numbers<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Remote issuing of debit cards<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Bulk account opening<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Refreshed new Nedbank mobile banking APP<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Self-service online platform administration for corporate clients<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>API integration for real time bulk collections and payments for Corporate clients<o:p></o:p></span></p><p class=MsoListParagraphCxSpMiddle style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Reg-Tech and analytics to enhance monitoring and compliance with FATF standards<o:p></o:p></span></p><p class=MsoListParagraphCxSpLast style='mso-margin-top-alt:0cm;margin-right:0cm;margin-bottom:0cm;margin-left:72.0pt;margin-bottom:.0001pt;mso-add-space:auto;text-align:justify;text-indent:-18.0pt;line-height:normal;mso-list:l0 level2 lfo1;text-autospace:none'><![if !supportLists]><span style='font-family:"Georgia",serif'><span style='mso-list:Ignore'>•<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-family:"Georgia",serif'>Refreshed mobile banking solution with new & improved features and SME onboarding<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal 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</v:shape><![endif]--><![if !vml]><img width=688 height=688 src="cid:image003.jpg@01D7258E.B06790C0" align=left hspace=12 v:shapes="Picture_x0020_1"><![endif]><span style='font-family:"Georgia",serif'> “Digital touch points and technology investments made over the reporting period present a solid foundation for an agile business poised for growth”, said Dr Sibongile Moyo, Nedbank Managing Director.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'>“Our 24-hour contact centre was enhanced to handle high volume and complex of client requests, yielding positive results. Branch-level processes were centralised in middle office for seamless transactions and efficient client support around the clock. Branches continued to operate in Bulawayo, Gweru, Harare, Mutare, Victoria Falls and Zvishavane and seasonal service points in remote towns across the country. We will continue to operate seasonal branch service points in Bindura, Karoi, Marondera, Mvurwi and Rusape in 2021 for our clients’ convenience,” she added<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'>Commitment to the Communities as money experts who do good saw the Bank being recognized for corporate social investment via the 2020 Banks and Banking Survey Sustainability Award. Nedbank contributed to COVID programs, youth empowerment, students in STEM programs and launched the Nedbank Youth Accelerator Program (YAP) to contribute to training young graduates in corporate work immersion skills. Environmental and sustainability projects included launching tree planting season with 600 indigenous trees and fruit trees planted in orchards at schools and orphanages in Bulawayo, Mutare, Victoria Falls and Zvishavane.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'> “During the year we prioritized the health and safety of our stakeholders, wellbeing of our staff and their families with support through access to medical professionals, counselling services, fitness programs, discretionary allowances and medical equipment. Our teams demonstrated commendable commitment and resilience as they navigated a difficult operating environment to serve our clients”, said Dr Moyo.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'>“The directors assessed the Bank’s ability to meet the revised minimum capital requirements in the face of the impact of COVID-19. They are hopeful that the bank will get a positive response from the Reserve Bank of Zimbabwe on its capital plan which is supported by the major shareholder”, said Mr Shepherd Shonhiwa, the Chairman of the Board of Directors.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'>“Going forward we will continue to focus on our clients, the bedrock of our business by providing market leading client experiences. Management will seek to optimize the balance sheet in order to preserve capital via hedging strategies to reduce the impact of monetary losses”, concluded Dr Sibongile Moyo.<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:normal;text-autospace:none'><span style='font-family:"Georgia",serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><o:p> </o:p></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><i><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Invest Wisely!<o:p></o:p></span></i></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><b><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Bulls n Bears </span></b><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Telephone: <a href="tel:%2B263%2077%20344%201674" target="_blank"><span style='color:windowtext'>+263 77 344 1674</span></a> | <u>+27 71 544 4769<o:p></o:p></u></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Alt. Email: <a href="mailto:info@bulls.co.zw"><span style='color:windowtext'>info@bulls.co.zw</span></a> <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Website: <a href="http://www.bullszimbabwe.com"><span style='color:windowtext'>www.bullszimbabwe.com</span></a> <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Blog: </span><span class=MsoHyperlink><span style='color:windowtext'>www.<a href="https://bullszimbabwe.com/category/blogs/"><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;color:windowtext;mso-fareast-language:EN-ZW'>bullszimbabwe.com/category/blogs/</span></a></span></span><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'> <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Twitter: @bullsbears2010<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>LinkedIn: Bulls n Bears Zimbabwe<o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;background:white;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Facebook: <a href="http://www.google.com/url?q=http%3A%2F%2Fwww.facebook.com%2FBullsBearsZimbabwe&sa=D&sntz=1&usg=AFQjCNGhb_A5rp4biV1dGHbgiAhUxQqBXA" target="_blank"><span style='color:windowtext'>www.facebook.com/BullsBearsZimbabwe</span></a><o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'>Skype: Bulls.Bears <o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-size:9.0pt;line-height:115%;font-family:"Verdana",sans-serif;mso-fareast-language:EN-ZW'><img border=0 width=554 height=270 id="Picture_x0020_2" src="cid:image005.png@01D7258E.B06790C0" alt="cid:image003.png@01D70F49.B9215E40"><o:p></o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p><p class=MsoNormal style='margin-bottom:0cm;margin-bottom:.0001pt;text-align:justify;line-height:115%;mso-element:frame;mso-element-frame-hspace:9.0pt;mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizontal:column;mso-height-rule:exactly'><span style='font-family:"Verdana",sans-serif'><o:p> </o:p></span></p></td></tr></table><p class=MsoNormal><o:p> </o:p></p></div></body></html>