A

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Price: 12.3 EUR -1.6% Market Closed

Market Cap: €10.2B

Income Statement

Net Interest Income

Non Interest Income

Currency: ZAR

		Mar-2003	Sep-2003	Mar-2004	Sep-2004	Mar-2005	Sep-2005	Jun-2006	Dec-2006	Jun-2007	Dec-2007	Jun-2008	Dec-2008	Jun-2009	Dec-2009	Jun-2010	Dec-2010	Jun-2011	Dec-2011	Jun-2012	Dec-2012	Jun-2013	Dec-2013	Jun-2014	Dec-2014	Jun-2015	Dec-2015	Jun-2016	Dec-2016	Jun-2017	Dec-2017	Jun-2018	Dec-2018	Jun-2019	Dec-2019	Jun-2020	Dec-2020	Jun-2021	Dec-2021	Jun-2022	Dec-2022	Jun-2023	Dec-2023	Jun-2024	Dec-2024	Jun-2025
Revenue
Net Interest Income		8 832	9 380	9 718	10 084	10 431	11 614	13 140	14 887	16 580	18 890	20 881	22 106	22 313	21 854	22 375	23 340	23 669	24 429	24 660	29 302	33 144	32 351	37 045	35 601	36 867	38 407	41 037	42 003	41 747	42 644	42 856	43 755	45 486	46 501	47 845	48 857	50 330	53 322	56 309	60 498	64 983	68 055	70 296	71 105	72 102
Interest Income		30 299	31 960	28 901	26 478	26 937	28 452	32 277	37 569	44 395	55 123	66 174	76 260	76 576	65 247	57 344	54 241	51 333	51 191	52 264	57 297	60 923	60 232	66 637	65 646	68 347	73 603	81 611	85 114	85 493	85 929	86 158	89 236	94 022	97 838	98 811	93 051	88 257	89 495	96 253	112 232	136 672	154 462	163 551	167 856	164 444
Interest Expense		21 467	22 580	19 183	16 394	16 506	16 838	19 137	22 682	27 815	36 233	45 293	54 154	54 263	43 393	34 969	30 901	27 664	26 762	27 604	27 995	27 779	27 881	29 592	30 045	31 480	35 196	40 574	43 111	43 746	43 285	43 302	45 481	48 536	51 337	50 966	44 194	37 927	36 173	39 944	51 734	71 689	86 407	93 255	96 751	92 342
Non Interest Income		9 219	9 879	10 872	11 353	13 010	14 579	16 163	16 226	20 327	18 102	21 147	24 505	25 304	24 407	25 409	23 933	25 576	26 089	28 593	33 065	36 200	37 388	39 545	36 887	36 682	37 381	39 028	39 055	38 773	40 356	39 934	40 666	41 145	43 690	41 683	44 923	45 062	46 462	49 412	47 822	51 188	51 238	51 050	54 143	56 913
Revenue		18 051 N/A	19 259 +7%	20 590 +7%	21 437 +4%	23 441 +9%	26 193 +12%	29 303 +12%	31 113 +6%	36 907 +19%	36 992 +0%	42 028 +14%	46 611 +11%	47 617 +2%	46 261 -3%	47 784 +3%	47 273 -1%	49 245 +4%	50 518 +3%	53 253 +5%	62 367 +17%	69 344 +11%	69 739 +1%	76 590 +10%	72 488 -5%	73 549 +1%	75 788 +3%	80 065 +6%	81 058 +1%	80 520 -1%	83 000 +3%	82 790 0%	84 421 +2%	86 631 +3%	90 191 +4%	89 528 -1%	93 780 +5%	95 392 +2%	99 784 +5%	105 721 +6%	108 320 +2%	116 171 +7%	119 293 +3%	121 346 +2%	125 248 +3%	129 015 +3%
Pre-Tax Income
Loan Loss Provision		(1 957)	(1 958)	(1 900)	(1 655)	(1 284)	(1 140)	(1 088)	(1 573)	(1 964)	(2 433)	(3 626)	(5 839)	(8 495)	(8 967)	(7 837)	(6 005)	(5 203)	(5 081)	(6 286)	(8 855)	(8 584)	(6 987)	(7 009)	(6 290)	(6 272)	(6 920)	(8 567)	(8 751)	(7 327)	(7 022)	(6 366)	(6 324)	(6 902)	(7 816)	(18 782)	(20 569)	(10 610)	(8 499)	(8 973)	(13 703)	(16 807)	(15 535)	(15 564)	(14 304)	(13 168)
Non Interest Expense		(11 529)	(12 015)	(12 467)	(13 161)	(14 491)	(16 606)	(19 221)	(18 123)	(21 976)	(20 482)	(23 147)	(25 467)	(26 773)	(27 454)	(29 245)	(29 417)	(31 141)	(31 227)	(33 363)	(38 327)	(43 172)	(44 656)	(48 984)	(46 481)	(46 691)	(47 565)	(49 764)	(50 625)	(51 061)	(55 009)	(55 419)	(56 556)	(57 623)	(60 623)	(59 191)	(62 842)	(63 593)	(64 561)	(66 464)	(64 261)	(68 549)	(73 508)	(76 718)	(77 721)	(80 265)
Pre-Tax Income		4 565 N/A	5 286 +16%	6 223 +18%	6 621 +6%	7 666 +16%	8 447 +10%	8 994 +6%	11 417 +27%	12 967 +14%	14 077 +9%	15 255 +8%	15 305 +0%	12 349 -19%	9 840 -20%	10 702 +9%	11 851 +11%	12 901 +9%	14 210 +10%	13 604 -4%	15 185 +12%	17 588 +16%	18 096 +3%	20 597 +14%	19 717 -4%	20 586 +4%	21 303 +3%	21 734 +2%	21 682 0%	22 132 +2%	20 969 -5%	21 005 +0%	21 541 +3%	22 106 +3%	21 752 -2%	11 555 -47%	10 369 -10%	21 189 +104%	26 724 +26%	30 284 +13%	30 356 +0%	30 815 +2%	30 250 -2%	29 064 -4%	33 223 +14%	35 582 +7%
Net Income
Tax Provision		(1 104)	(1 244)	(1 627)	(1 718)	(2 172)	(2 365)	(2 574)	(3 151)	(3 662)	(4 052)	(4 137)	(3 988)	(3 109)	(2 340)	(2 708)	(3 262)	(3 597)	(4 026)	(3 945)	(4 439)	(5 129)	(5 222)	(6 074)	(5 573)	(5 766)	(5 899)	(5 989)	(5 835)	(5 931)	(5 882)	(5 978)	(6 282)	(6 297)	(5 772)	(3 039)	(3 156)	(6 020)	(7 299)	(8 376)	(7 952)	(7 714)	(7 687)	(7 113)	(8 320)	(9 250)
Income from Continuing Operations		3 461	4 042	4 596	4 903	5 494	6 082	6 420	8 266	9 305	10 025	11 118	11 317	9 240	7 500	7 994	8 589	9 304	10 184	9 659	10 746	12 459	12 874	14 523	14 144	14 820	15 404	15 745	15 847	16 201	15 087	15 027	15 259	15 809	15 980	8 516	7 213	15 169	19 425	21 908	22 404	23 101	22 563	21 951	24 903	26 332
Income to Minority Interest		(70)	(80)	(91)	(93)	(75)	(75)	(87)	(161)	(282)	(430)	(551)	(651)	(711)	(662)	(584)	(471)	(447)	(510)	(396)	(747)	(1 037)	(893)	(1 077)	(928)	(1 000)	(1 073)	(1 165)	(1 139)	(1 089)	(1 151)	(1 213)	(1 152)	(1 241)	(1 289)	(816)	(1 333)	(1 612)	(1 662)	(1 923)	(1 530)	(1 698)	(1 773)	(2 028)	(2 266)	(2 279)
Net Income (Common)		3 391 N/A	3 962 +17%	4 505 +14%	4 810 +7%	5 419 +13%	6 007 +11%	6 333 +5%	8 105 +28%	9 023 +11%	9 595 +6%	10 567 +10%	10 666 +1%	8 529 -20%	6 838 -20%	7 410 +8%	8 118 +10%	8 857 +9%	9 674 +9%	9 263 -4%	9 999 +8%	11 422 +14%	11 981 +5%	13 446 +12%	13 216 -2%	13 820 +5%	14 331 +4%	14 580 +2%	14 708 +1%	15 112 +3%	13 888 -8%	13 718 -1%	13 917 +1%	14 305 +3%	14 256 0%	7 100 -50%	5 880 -17%	13 557 +131%	17 763 +31%	19 986 +13%	20 265 +1%	20 672 +2%	19 891 -4%	18 944 -5%	21 537 +14%	22 923 +6%
EPS (Diluted)		5.2 N/A	6.09 +17%	6.92 +14%	7.22 +4%	8 +11%	8.66 +8%	8.93 +3%	11.54 +29%	12.58 +9%	13.41 +7%	14.86 +11%	15.17 +2%	12.25 -19%	9.62 -21%	10.27 +7%	11.26 +10%	12.3 +9%	13.44 +9%	12.87 -4%	11.78 -8%	13.45 +14%	14.13 +5%	15.85 +12%	15.59 -2%	16.31 +5%	16.91 +4%	17.22 +2%	17.37 +1%	18.11 +4%	16.66 -8%	16.45 -1%	16.73 +2%	17.17 +3%	17.15 0%	8.59 -50%	7.11 -17%	16.31 +129%	21.36 +31%	23.94 +12%	24.3 +2%	24.87 +2%	23.93 -4%	22.84 -5%	25.95 +14%	27.46 +6%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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