FirstRand Balance Sheet

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

Millions ZAR. Fiscal year is Jul - Jun.

Assets

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Cash & Equivalents	91,083	126,066	117,974	106,713	109,115
Investment Securities	621,784	614,574	512,642	512,055	463,562
Trading Asset Securities	53,934	59,004	52,286	75,949	61,385
Total Investments	675,718	673,578	564,928	588,004	524,947
Gross Loans	1,373,680	1,699,002	1,597,898	1,511,037	1,311,441
Allowance for Loan Losses	-51,149	-55,188	-54,165	-51,072	-47,734
Net Loans	1,322,531	1,643,814	1,543,733	1,459,965	1,263,707
Property, Plant & Equipment	23,956	23,650	23,326	21,155	19,725
Goodwill	100	8,621	8,181	8,646	7,722
Other Intangible Assets	2,050	1,727	1,520	1,631	1,737
Investments in Real Estate	376	783	704	353	698
Accrued Interest Receivable	7	4	19	33	23
Other Receivables	13,616	10,384	9,912	7,409	4,428
Restricted Cash	46,263	42,313	40,503	40,958	34,521
Other Current Assets	546,281	41,331	41,725	49,854	22,134
Long-Term Deferred Tax Assets	10,611	7,937	8,562	8,693	8,028
Other Real Estate Owned & Foreclosed	18	45	55	72	99
Other Long-Term Assets	10,203	8,517	5,673	4,553	2,685
Total Assets	2,742,813	2,588,770	2,366,815	2,298,039	1,999,569

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Accounts Payable	19,853	19,903	28,987	32,264	21,491
Accrued Expenses	18,335	19,657	19,471	20,238	16,489
Interest Bearing Deposits	1,643,480	1,926,082	1,764,306	1,658,938	1,448,704
Total Deposits	1,643,480	1,926,082	1,764,306	1,658,938	1,448,704
Short-Term Borrowings	66,569	96,276	67,246	95,240	80,705
Current Portion of Long-Term Debt	-	-	-	-	8,686
Current Portion of Leases	1,197	1,128	1,069	1,026	1,064
Current Income Taxes Payable	646	438	719	471	803
Other Current Liabilities	474,904	19,341	12,263	13,601	16,731
Long-Term Debt	239,789	237,763	236,118	259,139	205,679
Long-Term Leases	1,574	1,695	1,993	2,000	1,761
Long-Term Unearned Revenue	2,424	2,425	2,438	2,707	2,620
Pension & Post-Retirement Benefits	1,956	1,574	1,491	1,400	1,305
Long-Term Deferred Tax Liabilities	1,056	1,005	843	1,033	692
Other Long-Term Liabilities	25,013	18,277	14,591	11,548	12,090
Total Liabilities	2,496,796	2,345,564	2,151,535	2,099,605	1,818,860

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Preferred Stock, Other	-	-	-	-	4,519
Total Preferred Equity	-	-	-	-	4,519
Common Stock	56	56	56	56	56
Additional Paid-In Capital	6,933	7,006	8,056	7,860	7,905
Retained Earnings	203,201	195,858	177,157	162,520	153,645
Comprehensive Income & Other	29,914	34,863	25,150	23,710	10,301
Total Common Equity	240,104	237,783	210,419	194,146	171,907
Minority Interest	5,913	5,423	4,861	4,288	4,283
Shareholders' Equity	246,017	243,206	215,280	198,434	180,709
Total Liabilities & Equity	2,742,813	2,588,770	2,366,815	2,298,039	1,999,569

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Total Debt	309,129	336,862	306,426	357,405	297,895
Net Cash (Debt)	8,170	-46,967	-68,358	-95,333	-56,778
Net Cash Growth	-	-	-	-	-
Net Cash Per Share	1.46	-8.39	-12.20	-17.01	-10.13
Filing Date Shares Outstanding	5,561	5,583	5,604	5,607	5,607
Total Common Shares Outstanding	5,561	5,583	5,604	5,607	5,607
Book Value Per Share	43.17	42.59	37.55	34.63	30.66
Tangible Book Value	237,954	227,435	200,718	183,869	162,448
Tangible Book Value Per Share	42.79	40.74	35.82	32.80	28.97