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Nedbank Group Limited (NED) investor relations material
Nedbank Group Limited Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary3 Dec, 2025
Executive summary
Robust fee and commission growth in PPB driven by value-added services, client gains, and cross-sell post-restructure.
Headline earnings for the 10 months to 31 October 2025 grew in line with management expectations, supported by higher net interest income, non-interest revenue, lower impairments, and well-managed expenses.
Non-interest revenue growth revised to below mid-single digits due to delayed CIB deal flow and base effects.
Underlying DHEPS growth expected to be flat to low single digits, with ROE at or slightly above 15%.
CET1 capital adequacy ratio remains above the Board-approved target range, with strong liquidity metrics.
Trading performance and revenue trends
PPB saw strong front book growth, especially in secured lending, with market share gains in home loans and motor vehicle finance.
Net interest income grew at low- to mid-single digits, slightly above the 2% growth in H1 2025.
Gross banking advances in CIB grew above mid-single digits, with strong pipelines extending into 2026.
Personal and Private Banking advances maintained mid- to upper single-digit growth, driven by secured lending.
Non-interest revenue growth was below mid-single digits, impacted by fair value adjustments and delayed dealflow in CIB.
Profitability and margins
Expense growth moderated to mid to upper single digits, with full-year guidance above mid-single digits, excluding one-off items.
Margins slightly below 387bps as of October; negative endowment impacts expected to be fully reflected by Q1 2026.
Net interest margin declined slightly from 3.87% in H1 2025 due to lower interest rates.
Annualised credit loss ratio improved to below the midpoint of the 60–100 bps target range.
Endowment sensitivity remains at ZAR 1.3 billion per 1% rate move; some strategic hedging implemented.
What drives CRB loan growth lag vs. market?
How will ICORCA drive SME/mass market growth?
Future capital allocation for buybacks?
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Next Nedbank Group Limited earnings date
H2 20253 Mar, 2026
Next Nedbank Group Limited earnings date
H2 20253 Mar, 2026
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Frequently asked questions
Nedbank Group Limited is a financial institution in South Africa and one of the country's four largest banks. As a bank holding company, its principal subsidiary is Nedbank Limited. Nedbank Group offers a comprehensive range of financial services, including wholesale and retail banking services, insurance, asset management, and wealth management. The group serves its customers through domestic outlets and branches, alongside a network of ATMs, facilitating wide-reaching access to banking and financial services across the region. The company is headquartered in Johannesburg, South Africa, and its shares are listed on the JSE.
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