African Bank Investments Limited (ABIL) provided group earnings guidance for the year 2013. For the year 2013, group headline earnings are expected to be lower than 2012 full year group headline earnings by between 58% and 63%. Excluding the impact of the increasing coverage ratio and the LTIP charge, ABIL 2013 full year group normalised headline earnings are expected to be lower than 2012 full year group normalised headline earnings by between 30% and 40%.