FirstRand Cash Flow Statement

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

Millions ZAR. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Net Income	45,668	43,540	39,709	37,450	33,599	27,520
Depreciation & Amortization	4,653	4,423	4,876	4,541	4,550	4,851
Other Amortization	509	333	222	179	277	375
Gain (Loss) on Sale of Investments	-510	-510	-295	-1,905	-	-
Total Asset Writedown	169	169	216	364	-	-
Provision for Credit Losses	15,778	15,778	15,038	13,406	-	-
Change in Trading Asset Securities	5,023	5,023	29,649	-18,177	-	-
Change in Other Net Operating Assets	-188,539	-188,539	-151,298	-160,202	-91,554	-113,097
Other Operating Activities	13,592	3,784	1,042	631	1,274	6,826
Operating Cash Flow	-106,978	-119,320	-64,360	-125,440	-51,854	-73,525
Capital Expenditures	-8,624	-5,306	-6,360	-4,730	-3,265	-3,160
Sale of Property, Plant and Equipment	1,388	1,388	929	458	617	539
Cash Acquisitions	-	-	-	-	21	-31
Investment in Securities	-1,388	-795	-701	-1,658	-287	-101
Income (Loss) Equity Investments	-2,940	-2,940	-2,426	-487	-	-
Divestitures	-	-	398	42	-	-2
Purchase / Sale of Intangibles	-552	-552	-704	-460	-409	-231
Other Investing Activities	-	-	770	2,053	25	-
Investing Cash Flow	-9,218	-5,307	-5,991	-4,295	-3,298	-3,012
Long-Term Debt Issued	-	4,298	1,548	7,986	2,742	3,111
Long-Term Debt Repaid	-	-1,348	-2,981	-14,091	-4,607	-5,956
Net Debt Issued (Repaid)	5,579	2,950	-1,433	-6,105	-1,865	-2,845
Issuance of Common Stock	2,935	6,839	7,090	2,804	-	1,400
Repurchase of Common Stock	-3,877	-4,403	-2,265	-	-	-
Preferred Share Repurchases	-	-	-	-4,519	-	-
Common Dividends Paid	-25,993	-25,993	-23,676	-29,110	-	-
Net Increase (Decrease) in Deposit Accounts	151,671	151,671	106,723	210,639	61,655	82,663
Other Financing Activities	-456	-426	-586	-670	-641	57
Financing Cash Flow	129,859	130,638	85,853	173,039	59,149	81,275
Foreign Exchange Rate Adjustments	-1,144	3,891	-4,692	-3,202	4,631	-5,594
Net Cash Flow	12,519	9,902	10,806	40,102	8,577	-943
Free Cash Flow	-115,602	-124,626	-70,720	-130,170	-55,119	-76,685
Free Cash Flow Margin	-82.99%	-93.84%	-55.71%	-109.06%	-51.24%	-80.79%
Free Cash Flow Per Share	-20.67	-22.26	-12.62	-23.22	-9.83	-13.67
Cash Interest Paid	109,735	109,735	105,189	74,674	37,778	36,499
Cash Income Tax Paid	15,074	14,891	13,985	14,574	14,984	10,698

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.