My DD is 12.5 months and doesn't have any real words! That sounds like heaps to me. DD says mama and dada but I don't think they're actually directed at us yet, she is just as likely to say mama or dada to the dog or her toys. She doesn't point either. At our 12 month check the MCHN said not to worry, as long as she is babbling and making some sounds she is fine.
So I think your DD is doing really well!