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Price: 48.2 EUR 0.42%

Market Cap: €27B

Income Statement

Net Interest Income

Non Interest Income

Currency: ZAR

		Jun-2004	Dec-2004	Jun-2005	Dec-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		8 907	11 050	13 184	15 552	15 012	17 050	19 503	22 104	23 163	23 674	17 289	21 389	16 350	16 404	17 369	19 520	21 882	22 938	24 769	27 034	29 878	32 694	35 621	38 152	42 041	44 221	44 917	46 451	49 098	55 528	60 457	61 895	62 915	62 864	63 290	64 713	66 375	70 060	76 436	81 287	83 454	85 311	88 434
Interest Income		22 412	24 789	27 505	30 212	30 395	36 449	45 324	51 305	54 993	59 650	51 735	47 396	38 817	38 752	38 187	29 584	41 335	22 938	43 784	27 034	50 412	32 694	58 960	38 152	71 561	44 221	80 441	46 451	90 677	55 528	120 268	61 895	121 887	85 265	105 935	105 016	108 967	125 296	151 896	175 460	189 524	196 230	198 729
Interest Expense		13 505	13 739	14 321	14 660	15 383	19 399	25 821	29 201	31 830	35 976	34 446	26 007	22 467	22 348	20 818	0	19 453	0	19 015	0	20 534	0	23 339	0	29 520	0	35 524	0	41 579	0	59 811	0	58 972	22 401	42 645	40 303	42 592	55 260	75 460	94 149	106 070	110 919	110 295
Non Interest Income		9 925	20 352	25 456	28 013	31 548	58 649	30 531	43 353	29 947	21 323	21 632	25 270	27 654	28 249	32 404	30 391	33 367	29 244	34 613	33 580	40 516	39 053	42 600	37 375	42 641	40 428	46 573	43 861	50 291	50 060	52 860	51 853	48 180	48 528	52 767	54 179	56 364	59 384	61 718	63 880	73 272	68 952	77 098
Revenue		18 832 N/A	31 402 +67%	38 640 +23%	43 565 +13%	46 560 +7%	75 699 +63%	50 034 -34%	65 457 +31%	53 110 -19%	44 997 -15%	38 921 -14%	46 659 +20%	44 004 -6%	44 653 +1%	49 773 +11%	49 911 +0%	55 249 +11%	52 182 -6%	59 382 +14%	60 614 +2%	70 394 +16%	71 747 +2%	78 221 +9%	75 527 -3%	84 682 +12%	84 649 0%	91 490 +8%	90 312 -1%	99 389 +10%	105 588 +6%	113 317 +7%	113 748 +0%	111 095 -2%	111 392 +0%	116 057 +4%	118 892 +2%	122 739 +3%	129 444 +5%	138 154 +7%	145 167 +5%	156 726 +8%	154 263 -2%	165 532 +7%
Pre-Tax Income
Loan Loss Provision		(833)	0	(706)	0	(1 411)	(1 151)	(2 857)	(3 331)	(5 064)	(7 132)	(8 024)	(7 556)	(5 686)	(4 545)	(3 778)	(3 518)	(5 065)	(4 074)	(4 807)	(4 851)	(5 252)	(5 662)	(5 150)	(5 591)	(7 159)	(7 755)	(8 054)	(8 365)	(8 567)	(9 536)	(10 500)	(11 413)	(24 383)	(27 863)	(13 712)	(8 273)	(7 169)	(8 061)	(10 949)	(12 345)	(12 670)	(13 048)	(14 120)
Non Interest Expense		(11 273)	(22 766)	(26 471)	(29 653)	(30 121)	(58 045)	(29 956)	(45 116)	(32 844)	(24 993)	(23 028)	(29 458)	(25 311)	(25 809)	(27 506)	(26 291)	(31 726)	(29 571)	(34 504)	(33 146)	(39 765)	(38 644)	(43 216)	(39 929)	(46 836)	(44 683)	(50 279)	(47 571)	(54 728)	(55 799)	(61 145)	(62 789)	(63 084)	(63 495)	(65 054)	(66 630)	(68 738)	(71 483)	(76 356)	(79 760)	(91 035)	(86 173)	(93 535)
Pre-Tax Income		6 726 N/A	8 636 +28%	11 463 +33%	13 912 +21%	15 028 +8%	16 503 +10%	17 221 +4%	17 010 -1%	15 202 -11%	12 872 -15%	7 869 -39%	9 645 +23%	13 007 +35%	14 299 +10%	18 489 +29%	20 102 +9%	18 458 -8%	18 537 +0%	20 071 +8%	22 617 +13%	25 377 +12%	27 441 +8%	29 855 +9%	30 007 +1%	30 687 +2%	32 211 +5%	33 157 +3%	34 376 +4%	36 094 +5%	40 253 +12%	41 672 +4%	39 546 -5%	23 628 -40%	20 034 -15%	37 291 +86%	43 989 +18%	46 832 +6%	49 900 +7%	50 849 +2%	53 062 +4%	53 021 0%	55 042 +4%	57 877 +5%
Net Income
Tax Provision		(1 701)	(2 426)	(3 756)	(4 977)	(5 040)	(5 350)	(5 216)	(4 482)	(3 037)	(1 814)	(1 411)	(2 512)	(3 527)	(3 926)	(4 245)	(4 576)	(4 089)	(4 329)	(4 117)	(4 851)	(5 591)	(5 954)	(6 731)	(6 736)	(6 612)	(6 851)	(7 018)	(7 404)	(7 950)	(9 130)	(9 819)	(9 135)	(4 848)	(4 258)	(8 981)	(10 889)	(12 193)	(12 834)	(12 172)	(12 572)	(11 841)	(12 135)	(12 746)
Income from Continuing Operations		5 025	6 210	7 707	8 935	9 988	11 153	12 005	12 528	12 165	11 058	6 458	7 133	9 480	10 373	14 244	15 526	14 369	14 208	15 954	17 766	19 786	21 487	23 124	23 271	24 075	25 360	26 139	26 972	28 144	31 123	31 853	30 411	18 780	15 776	28 310	33 100	34 639	37 066	38 677	40 490	41 180	42 907	45 131
Income to Minority Interest		0	(286)	(502)	(810)	(889)	(1 108)	(1 219)	(1 273)	(1 315)	(1 281)	(873)	(597)	(886)	(939)	(1 161)	(1 186)	(898)	(749)	(872)	(956)	(1 058)	(1 285)	(1 191)	(1 151)	(1 170)	(1 029)	(1 211)	(1 188)	(1 132)	(1 099)	(882)	(898)	(614)	(579)	(790)	(861)	(1 040)	(1 229)	(1 227)	(1 249)	(1 471)	(1 545)	(1 591)
Equity Earnings Affiliates		(277)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income (Common)		4 748 N/A	5 769 +22%	7 137 +24%	7 893 +11%	8 825 +12%	10 126 +15%	11 511 +14%	12 413 +8%	11 309 -9%	9 332 -17%	6 501 -30%	6 715 +3%	9 444 +41%	16 994 +80%	20 065 +18%	14 062 -30%	13 196 -6%	13 172 0%	14 785 +12%	16 519 +12%	18 440 +12%	19 905 +8%	21 623 +9%	21 799 +1%	22 563 +4%	23 972 +6%	24 572 +3%	25 432 +3%	26 546 +4%	29 529 +11%	30 211 +2%	28 461 -6%	17 021 -40%	14 171 -17%	26 743 +89%	31 427 +18%	32 761 +4%	34 866 +6%	36 331 +4%	37 919 +4%	38 191 +1%	39 759 +4%	41 876 +5%
EPS (Diluted)		0.89 N/A	1.09 +22%	1.34 +23%	1.51 +13%	1.66 +10%	1.89 +14%	2.16 +14%	2.33 +8%	2.14 -8%	1.8 -16%	1.24 -31%	1.27 +2%	1.78 +40%	3.14 +76%	3.64 +16%	2.52 -31%	2.37 -6%	2.37 N/A	2.66 +12%	2.98 +12%	3.33 +12%	3.61 +8%	3.9 +8%	3.89 0%	4.02 +3%	4.27 +6%	4.38 +3%	4.53 +3%	4.73 +4%	5.26 +11%	5.39 +2%	5.07 -6%	3.04 -40%	2.52 -17%	4.77 +89%	5.6 +17%	5.84 +4%	6.22 +7%	6.48 +4%	6.76 +4%	6.81 +1%	7.1 +4%	7.48 +5%

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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