JSE:AMC009 Balance Sheet

Financials in millions ZAR. Fiscal year is January - December.

Millions ZAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	5,678	5,825	6,996	7,774	7,536
Investment Securities	351,124	323,831	230,401	232,496	197,485
Trading Asset Securities	343,619	266,378	259,607	237,745	238,467
Total Investments	694,743	590,209	490,008	470,241	435,952
Gross Loans	1,545,206	1,442,335	1,397,103	1,300,172	1,244,735
Allowance for Loan Losses	-52,813	-53,427	-53,305	-45,203	-41,481
Net Loans	1,492,393	1,388,908	1,343,798	1,254,969	1,203,254
Property, Plant & Equipment	10,937	10,799	11,034	10,798	11,243
Goodwill	42	42	48	42	42
Other Intangible Assets	5,519	6,693	7,896	9,083	10,792
Other Receivables	387	423	10,439	8,693	9,865
Restricted Cash	54,824	55,966	47,255	39,372	24,719
Other Current Assets	13,979	9,842	11,939	16,123	7,473
Long-Term Deferred Tax Assets	4,631	5,630	5,779	5,026	3,918
Other Long-Term Assets	45,654	20,385	11,348	27,919	10,280
Total Assets	2,328,787	2,094,722	1,946,540	1,850,040	1,725,074
Accounts Payable	9,739	4,938	2,232	-	-
Accrued Expenses	13,458	11,847	12,403	8,364	6,781
Interest Bearing Deposits	1,354,382	1,158,780	1,065,364	998,395	950,832
Non-Interest Bearing Deposits	593,214	561,498	526,845	487,270	455,370
Total Deposits	1,947,596	1,720,278	1,592,209	1,485,665	1,406,202
Short-Term Borrowings	86,306	69,027	72,944	77,823	69,594
Current Portion of Long-Term Debt	3,280	7,213	8,546	5,105	1,112
Current Income Taxes Payable	5,926	5,272	4,966	5,343	5,021
Other Current Liabilities	70,325	100,774	83,696	106,893	80,597
Long-Term Debt	23,727	21,181	17,267	19,335	22,626
Long-Term Leases	1,886	2,255	2,217	2,445	3,104
Pension & Post-Retirement Benefits	412	413	426	450	492
Long-Term Deferred Tax Liabilities	5	12	13	9	19
Other Long-Term Liabilities	8,679	9,693	9,091	12,785	10,558
Total Liabilities	2,171,339	1,952,903	1,806,010	1,724,217	1,606,106
Common Stock	60	60	60	60	60
Additional Paid-In Capital	49,253	49,253	49,253	49,253	49,253
Retained Earnings	81,628	70,153	68,851	60,082	56,769
Comprehensive Income & Other	26,746	22,585	22,215	15,850	11,883
Total Common Equity	157,687	142,051	140,379	125,245	117,965
Minority Interest	-239	-232	151	578	1,003
Shareholders' Equity	157,448	141,819	140,530	125,823	118,968
Total Liabilities & Equity	2,328,787	2,094,722	1,946,540	1,850,040	1,725,074
Total Debt	115,199	99,676	100,974	104,708	96,436
Net Cash (Debt)	397,537	333,377	245,312	222,288	202,075
Net Cash Growth	19.25%	35.90%	10.36%	10.00%	8.79%
Net Cash Per Share	6625.95	5556.56	4088.74	3704.99	3368.09
Filing Date Shares Outstanding	60	60	60	60	60
Total Common Shares Outstanding	60	60	60	60	60
Book Value Per Share	2628.24	2367.63	2339.76	2087.52	1966.18
Tangible Book Value	152,126	135,316	132,435	116,120	107,131
Tangible Book Value Per Share	2535.55	2255.37	2207.36	1935.43	1785.60

Source: S&P Global Market Intelligence. Banks template. Financial Sources.