IPL/ IPLP - Imperial - Update On Trading Environme20 Nov 2008
IPL   IPLP
IPL                                                                             
IPL/ IPLP - Imperial - Update On Trading Environment                            
Imperial Holdings Limited                                                       
Registration number: 1946/021048/06                                             
Share code: IPL                                                                 
ISIN: ZAE000067211                                                              
Preference share code: IPLP                                                     
ISIN: ZAE000088076                                                              
("Imperial")                                                                    
UPDATE ON TRADING ENVIRONMENT                                                   
Given the current market conditions and global economic slowdown, Imperial      
wishes to provide investors with an update on the prevailing conditions in the  
markets in which Imperial operates and the impact thereof on the group over the 
first four months of the financial year.                                        
The group operates in the following markets:                                    
    -    Logistics in South Africa and Europe                                   
-    Car rental and tourism                                                 
    -    Motor vehicle importation, distribution and retailing                  
    -    Motor related and other financial services                             
Logistics Southern Africa                                                       
In Southern Africa, conditions in logistics are satisfactory despite a slowdown 
in demand from customers operating in consumer driven sectors.  General freight 
movement, warehousing and supply chain services are holding up although some    
weakness is expected going forward based on the general slowdown in economic    
activity in a number of sectors.                                                
Logistics Europe                                                                
In Germany, where the bulk of our European logistics operations are based, the  
government has made available an Euro500 billion stimulus package to support    
financial markets. Freight volumes in the inland waterway shipping division     
still remain relatively strong, except for coal and iron ore transport where a  
slowdown is being experienced. Containerised and bulk freight handling in the   
port terminal operations remained busy but is expected to slow down in the      
remaining part of the year. The automotive and steel logistics operations have  
slowed down and this is expected to continue in the new year. The recent        
acquisitions in Europe are being successfully integrated and our new container  
capacity is coming on stream.                                                   
Car Rental and Tourism                                                          
The car rental market is under some pressure where volumes are weaker than      
anticipated mainly due to a slow down in domestic leisure and inbound travel    
which is impacting utilization.  We are satisfied with the rental rates being   
achieved. Used car volumes and profit margins are slightly weaker than the      
previous year. Volumes and profitability in our tourism operations remain       
acceptable.                                                                     
Motor retail, import and distribution                                           
Motor retail business saw a continuation and further deterioration of extremely 
weak trading conditions. With a high fixed cost component, these businesses are 
unable to deliver acceptable returns under current market conditions, although  
both our distributorships and dealerships divisions are profitable. These       
conditions are expected to remain until sufficient interest rate reductions have
been effected to restore the financial position of consumers. Aggressive cost   
reduction initiatives are being pursued in our businesses and generally         
throughout the industry. Commercial vehicle operations are performing better    
than passenger vehicles, but are also slowing down.                             
Insurance and banking                                                           
Underwriting results in the insurance division are satisfactory although the    
credit life business remains under pressure from lower policy sales and higher  
lapses. Notwithstanding the fact that the majority of our investable insurance  
funds are in cash instruments, the overall results of the division are severely 
depressed by the performance of its equity portfolio in line with the market.   
Results from our banking interests are negatively affected by higher bad debt   
provisions in the consumer market.                                              
Discontinued operations                                                         
The sale of the aviation division is near to completion with some conditions    
precedent remaining to be fulfilled. The collection and realisation of the      
assets of Commercial Vehicle Holdings is progressing well. The proceeds of the  
sale of our investment in Tourism Investment Corporation Limited have been      
received.                                                                       
This announcement may contain certain forward looking statements which are      
subject to factors which are outside the group`s control. Such forward looking  
statements are made based on the knowledge of the group at today`s date. Any    
statement or information that could be considered as being forecasted financial 
information has not been reviewed and reported on by the auditors of Imperial   
either in accordance with ISAE 3400 or ISAE 3000 (Revised). Shareholders should 
note that this is not a trading statement as contemplated in section 3.4 of the 
JSE Listings Requirements.                                                      
Company Secretary                                                               
RA Venter                                                                       
By order of the Board                                                           
19 November 2008                                                                
BEDFORDVIEW                                                                     
Sponsor                                                                         
Merrill Lynch South Africa (Pty) Limited                                        
Date: 20/11/2008 09:05:45 Produced by the JSE SENS Department.                  
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