FirstRand Bank Limited (JSE:BCETNC)

FirstRand Bank Income Statement

Financials in millions ZAR. Fiscal year is July - June.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	151,338	142,421	117,479	86,457	84,017
Interest Paid on Deposits	98,590	94,596	72,298	43,450	41,339
Net Interest Income	52,748	47,825	45,181	43,007	42,678
Net Interest Income Growth (YoY)	10.29%	5.85%	5.05%	0.77%	1.16%
Gain (Loss) on Sale of Assets	150	-17	-6	20	-12
Gain (Loss) on Sale of Investments	240	-60	88	199	8
Other Non-Interest Income	56,932	57,327	50,887	44,318	41,015
Total Non-Interest Income	57,322	57,250	50,969	44,537	41,011
Non-Interest Income Growth (YoY)	0.13%	12.32%	14.44%	8.60%	6.93%
Revenues Before Loan Losses	110,070	105,075	96,150	87,544	83,689
Provision for Loan Losses	12,850	12,451	8,413	5,891	11,115
Revenue	97,220	92,624	87,737	81,653	72,574
Revenue Growth (YoY)	4.96%	5.57%	7.45%	12.51%	16.54%
Selling, General & Administrative	3,863	3,473	3,415	3,252	2,750
Other Non-Interest Expense	53,456	53,060	48,368	43,493	42,260
Total Non-Interest Expense	59,474	58,981	53,804	47,832	45,950
EBT Excluding Unusual Items	37,746	33,643	33,933	33,821	26,624
Asset Writedown	-166	-116	-206	-131	-12
Pretax Income	37,580	33,527	33,727	33,690	26,612
Income Tax Expense	8,451	7,206	7,876	8,213	6,792
Net Income	29,129	26,321	25,851	25,477	19,820
Preferred Dividends & Other Adjustments	1,664	1,518	957	593	525
Net Income to Common	27,465	24,803	24,894	24,884	19,295
Net Income Growth	10.67%	1.82%	1.47%	28.54%	37.95%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	-	-	-	-	-6.66%
EPS (Basic)	14712.06	13286.12	13334.86	13329.51	10335.67
EPS (Diluted)	14712.06	13286.12	13334.86	13329.51	10335.67
EPS Growth	10.73%	-0.37%	0.04%	28.97%	50.46%
Effective Tax Rate	22.49%	21.49%	23.35%	24.38%	25.52%

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