JSE:AMC009 Balance Sheet

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

Millions ZAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	5,825	6,996	7,774	7,536	8,520
Investment Securities	323,831	230,401	232,496	197,485	171,068
Trading Asset Securities	266,506	259,607	237,745	238,467	274,361
Total Investments	590,337	490,008	470,241	435,952	445,429
Gross Loans	1,442,335	1,397,103	1,300,172	1,244,735	1,179,782
Allowance for Loan Losses	-53,427	-53,305	-45,203	-41,481	-40,696
Other Adjustments to Gross Loans	-	-	-	-	-14,848
Net Loans	1,388,908	1,343,798	1,254,969	1,203,254	1,124,238
Property, Plant & Equipment	10,799	11,034	10,798	11,243	12,449
Goodwill	42	48	42	42	42
Other Intangible Assets	6,693	7,896	9,083	10,792	12,423
Other Receivables	8,924	10,439	8,693	9,865	9,551
Restricted Cash	55,966	47,255	39,372	24,719	25,510
Other Current Assets	9,842	11,939	16,123	7,473	8,362
Long-Term Deferred Tax Assets	5,630	5,779	5,026	3,918	4,005
Other Long-Term Assets	11,884	11,348	27,919	10,280	8,938
Total Assets	2,094,850	1,946,540	1,850,040	1,725,074	1,659,467
Accounts Payable	4,938	2,232	-	-	-
Accrued Expenses	11,847	12,403	8,364	6,781	4,676
Interest Bearing Deposits	1,155,323	1,065,364	998,395	950,832	893,432
Non-Interest Bearing Deposits	561,498	526,845	487,270	455,370	425,341
Total Deposits	1,716,821	1,592,209	1,485,665	1,406,202	1,318,773
Short-Term Borrowings	73,568	72,944	77,823	69,594	112,138
Current Portion of Long-Term Debt	7,213	8,546	5,105	1,112	1,734
Current Income Taxes Payable	5,272	4,966	5,343	5,021	4,058
Other Current Liabilities	99,818	83,696	106,893	80,597	77,564
Long-Term Debt	21,181	17,267	19,335	22,626	20,417
Long-Term Leases	2,255	2,217	2,445	3,104	3,706
Pension & Post-Retirement Benefits	413	426	450	492	518
Long-Term Deferred Tax Liabilities	12	13	9	19	13
Other Long-Term Liabilities	9,693	9,091	12,785	10,558	9,646
Total Liabilities	1,953,031	1,806,010	1,724,217	1,606,106	1,553,243
Common Stock	60	60	60	60	60
Additional Paid-In Capital	49,253	49,253	49,253	49,253	49,253
Retained Earnings	70,153	68,851	60,082	56,769	48,240
Comprehensive Income & Other	22,585	22,215	15,850	11,883	7,824
Total Common Equity	142,051	140,379	125,245	117,965	105,377
Minority Interest	-232	151	578	1,003	847
Shareholders' Equity	141,819	140,530	125,823	118,968	106,224
Total Liabilities & Equity	2,094,850	1,946,540	1,850,040	1,725,074	1,659,467
Total Debt	104,217	100,974	104,708	96,436	137,995
Net Cash (Debt)	328,964	245,312	222,288	202,075	185,749
Net Cash Growth	34.10%	10.36%	10.00%	8.79%	10.99%
Net Cash Per Share	5483.01	4088.74	3704.99	3368.09	3095.97
Filing Date Shares Outstanding	60	60	60	60	60
Total Common Shares Outstanding	60	60	60	60	60
Book Value Per Share	2367.63	2339.76	2087.52	1966.18	1756.37
Tangible Book Value	135,316	132,435	116,120	107,131	92,912
Tangible Book Value Per Share	2255.37	2207.36	1935.43	1785.60	1548.61

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