Western and Eastern Cape TurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base...

PRESENTATION HEADLINE 00 JUNE 2012

Western and Eastern CapeTurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month2012-2013Budget2011-20122012-2013Budget2011-2012VarGrowth2012-20132011-20122012-20132011-2012Accounts2012-20132011-20122012-20132011-20122012-20132011-2012Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Aug R - #DIV/0!#DIV/0!#DIV/0!Sept R - #DIV/0!#DIV/0!#DIV/0!Oct R - #DIV/0!#DIV/0!#DIV/0!Nov R - #DIV/0!#DIV/0!#DIV/0!Dec R - #DIV/0!#DIV/0!#DIV/0!Jan R - #DIV/0!#DIV/0!#DIV/0!Feb R - #DIV/0!#DIV/0!#DIV/0!Mar R - #DIV/0!#DIV/0!#DIV/0!Apr R - #DIV/0!#DIV/0!#DIV/0!May R - #DIV/0!#DIV/0!#DIV/0!Jun R - #DIV/0!#DIV/0!#DIV/0!YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Revenue Product SplitCorporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPOMonth2012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-2012Jul R 462,456 R 430,152 18091.14 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 AugSeptOctNovDecJanFebMarAprMayJunTotal R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07%Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91%PFX2012-20132011-2012JulAugSeptOctNovDecJanFebMarAprMayJunTotal PFX R 21,823 R 22,923 Ave Margin0.19%Growth-4.80%Total Private

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1Western and Eastern CapeTurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month2012-2013Budget2011-20122012-2013Budget2011-2012VarGrowth2012-20132011-20122012-20132011-2012Accounts2012-20132011-20122012-20132011-20122012-20132011-2012Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Aug R - #DIV/0!#DIV/0!#DIV/0!Sept R - #DIV/0!#DIV/0!#DIV/0!Oct R - #DIV/0!#DIV/0!#DIV/0!Nov R - #DIV/0!#DIV/0!#DIV/0!Dec R - #DIV/0!#DIV/0!#DIV/0!Jan R - #DIV/0!#DIV/0!#DIV/0!Feb R - #DIV/0!#DIV/0!#DIV/0!Mar R - #DIV/0!#DIV/0!#DIV/0!Apr R - #DIV/0!#DIV/0!#DIV/0!May R - #DIV/0!#DIV/0!#DIV/0!Jun R - #DIV/0!#DIV/0!#DIV/0!YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Revenue Product SplitCorporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPOMonth2012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-2012Jul R 462,456 R 430,152 18091.14 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 AugSeptOctNovDecJanFebMarAprMayJunTotal R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07%Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91%PFX2012-20132011-2012JulAugSeptOctNovDecJanFebMarAprMayJunTotal PFX R 21,823 R 22,923 Ave Margin0.19%Growth-4.80%Total Private

Bidvest Bank Products and Services

Corporate Foreign ExchangeGlobal Payments OnlineTravel Foreign Exchange corporate/private individuals Deposits and InvestmentsTransactional BankingFleet and Asset FinanceCorporate Loans and Advances Trade Services/Finance2Western and Eastern CapeTurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month2012-2013Budget2011-20122012-2013Budget2011-2012VarGrowth2012-20132011-20122012-20132011-2012Accounts2012-20132011-20122012-20132011-20122012-20132011-2012Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Aug R - #DIV/0!#DIV/0!#DIV/0!Sept R - #DIV/0!#DIV/0!#DIV/0!Oct R - #DIV/0!#DIV/0!#DIV/0!Nov R - #DIV/0!#DIV/0!#DIV/0!Dec R - #DIV/0!#DIV/0!#DIV/0!Jan R - #DIV/0!#DIV/0!#DIV/0!Feb R - #DIV/0!#DIV/0!#DIV/0!Mar R - #DIV/0!#DIV/0!#DIV/0!Apr R - #DIV/0!#DIV/0!#DIV/0!May R - #DIV/0!#DIV/0!#DIV/0!Jun R - #DIV/0!#DIV/0!#DIV/0!YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Revenue Product SplitCorporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPOMonth2012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-2012Jul R 462,456 R 430,152 18091.14 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 AugSeptOctNovDecJanFebMarAprMayJunTotal R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07%Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91%PFX2012-20132011-2012JulAugSeptOctNovDecJanFebMarAprMayJunTotal PFX R 21,823 R 22,923 Ave Margin0.19%Growth-4.80%Total Private

Into Africa Corporate exchange control regulations

All inward (export payments) and outward flows (import payments) of currency subject to SARB exchange control and the excon manual.

Within the corporate forex space most notably:

Offshore investment limit outside the CMA R500 millionInvestment over the limit ?Outward loans yes

Remittance payments

Advance payments for importsServices rendered, intangible goods, salariesSARB monitoring of export proceedsYellow metal and diamondsBe aware of relevant BOP codes which have recently changed3Western and Eastern CapeTurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month2012-2013Budget2011-20122012-2013Budget2011-2012VarGrowth2012-20132011-20122012-20132011-2012Accounts2012-20132011-20122012-20132011-20122012-20132011-2012Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Aug R - #DIV/0!#DIV/0!#DIV/0!Sept R - #DIV/0!#DIV/0!#DIV/0!Oct R - #DIV/0!#DIV/0!#DIV/0!Nov R - #DIV/0!#DIV/0!#DIV/0!Dec R - #DIV/0!#DIV/0!#DIV/0!Jan R - #DIV/0!#DIV/0!#DIV/0!Feb R - #DIV/0!#DIV/0!#DIV/0!Mar R - #DIV/0!#DIV/0!#DIV/0!Apr R - #DIV/0!#DIV/0!#DIV/0!May R - #DIV/0!#DIV/0!#DIV/0!Jun R - #DIV/0!#DIV/0!#DIV/0!YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Revenue Product SplitCorporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPOMonth2012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-2012Jul R 462,456 R 430,152 18091.14 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 AugSeptOctNovDecJanFebMarAprMayJunTotal R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07%Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91%PFX2012-20132011-2012JulAugSeptOctNovDecJanFebMarAprMayJunTotal PFX R 21,823 R 22,923 Ave Margin0.19%Growth-4.80%Total Private

Global Payments Online



Global Payments Online is a secure online internet-based quoting and payment trading platform for payment to foreign beneficiaries. It also handles the sale transaction of foreign currency to the bank

Licensed exclusively by Travelex and Western Union to Bidvest BankFirst Online Global Payment portal in South AfricaDirect Access to the Dealing Room market commentaryInternet-based platform remote accessOnline BOP Forms Confirmations proof of payment auto-generatedReports / Audit Trails Remittance tool only no need to move your primary banking5Western and Eastern CapeTurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month2012-2013Budget2011-20122012-2013Budget2011-2012VarGrowth2012-20132011-20122012-20132011-2012Accounts2012-20132011-20122012-20132011-20122012-20132011-2012Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Aug R - #DIV/0!#DIV/0!#DIV/0!Sept R - #DIV/0!#DIV/0!#DIV/0!Oct R - #DIV/0!#DIV/0!#DIV/0!Nov R - #DIV/0!#DIV/0!#DIV/0!Dec R - #DIV/0!#DIV/0!#DIV/0!Jan R - #DIV/0!#DIV/0!#DIV/0!Feb R - #DIV/0!#DIV/0!#DIV/0!Mar R - #DIV/0!#DIV/0!#DIV/0!Apr R - #DIV/0!#DIV/0!#DIV/0!May R - #DIV/0!#DIV/0!#DIV/0!Jun R - #DIV/0!#DIV/0!#DIV/0!YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Revenue Product SplitCorporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPOMonth2012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-2012Jul R 462,456 R 430,152 18091.14 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 AugSeptOctNovDecJanFebMarAprMayJunTotal R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07%Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91%PFX2012-20132011-2012JulAugSeptOctNovDecJanFebMarAprMayJunTotal PFX R 21,823 R 22,923 Ave Margin0.19%Growth-4.80%Total Private

SPOT and FEC facilities Both are facilitated online with the Global Payments platform.

FECs crucial for tendering fixing costs, not speculating on currency

Three types of Forward Exchange Contracts offered

Open FECs drawdown within a window (up to 6 months)Fixed FECs contract maturation and drawdown at a specific future point (up to 6 months).Optional FECs fixed period but optional drawdown within a window




CNY invoicing Some added value

Eliminating USD as bridging currencyMainland Designated Enterprise March 2012Tax rebates offered to Chinese exporters participatingCorporates only, no individualsImports to China - both MDEs and non-MDEs permittedExports from China - MDEs onlyList of MDEs will be expanded. Rebates typically around 5%SA importers receiving 2% - 3% discountDeal directly with supplier if possible, thus avoiding agents.Reluctance to reveal statusList in Chinese, updated daily

8ravel Western and Eastern CapeTurnoverRevenueMargin1st TradesNewDeal CountTraded ClientsCustomer Base Month2012-2013Budget2011-20122012-2013Budget2011-2012VarGrowth2012-20132011-20122012-20132011-2012Accounts2012-20132011-20122012-20132011-20122012-20132011-2012Jul R 144,999,772 R 103,632,394 R 122,197,115 R 1,453,889 R 1,647,751 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Aug R - #DIV/0!#DIV/0!#DIV/0!Sept R - #DIV/0!#DIV/0!#DIV/0!Oct R - #DIV/0!#DIV/0!#DIV/0!Nov R - #DIV/0!#DIV/0!#DIV/0!Dec R - #DIV/0!#DIV/0!#DIV/0!Jan R - #DIV/0!#DIV/0!#DIV/0!Feb R - #DIV/0!#DIV/0!#DIV/0!Mar R - #DIV/0!#DIV/0!#DIV/0!Apr R - #DIV/0!#DIV/0!#DIV/0!May R - #DIV/0!#DIV/0!#DIV/0!Jun R - #DIV/0!#DIV/0!#DIV/0!YTD R 144,999,772 R 122,197,115 R 1,453,889 R 1,296,123 R 157,766 12.17%1.00%1.06%238244620103902601141934Revenue Product SplitCorporate TravelAgentsForeign PaymentsCash DepositsPrivate DealsCTMGPOMonth2012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-20122012-20132011-2012Jul R 462,456 R 430,152 18091.14 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 AugSeptOctNovDecJanFebMarAprMayJunTotal R 462,456 R 430,152 R 18,091 R 9,535 R 219,555 R 195,218 R 14,260 R 9,270 R 21,823 R 22,923 R 35,785 R 73,345 R 681,979 R 541,648 Ave Margin3.50%5.63%1.32%0.30%0.19%1.10%1.07%Growth7.51%89.73%12.47%53.84%-4.80%-51.21%25.91%PFX2012-20132011-2012JulAugSeptOctNovDecJanFebMarAprMayJunTotal PFX R 21,823 R 22,923 Ave Margin0.19%Growth-4.80%Total Private

Private travel and investment allowance

Individuals Only Single Discretionary Allowance

R 1 million annually per individual over 18 years R 250,000 annually if younger than 18 years

Investment Allowances

R 4 million annually per individual subject to tax clearance


Pin and signature protected Available in 18 currenciesFixed exchange rateFREE additional card Avoid high costs of using a credit card overseasVisa Platinum purchase protection and extended warranty (Terms and Conditions apply)

Instant text or e-mail message notification on transactions as well as online statements24 hour support for lost/stolen cardsAccepted at international ATMs and merchants VISA Conversion within 60 days of returning at a potentially favorable rate and timingFree to swipe at point-of-saleWorld Currency Card Safety First in Africa


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