FirstRand Income Statement

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

Millions ZAR. Fiscal year is Jul - Jun.

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
Interest Income on Loans	162,307	164,637	188,258	149,269	107,515
Interest Income on Investments	1,026	866	1,266	2,627	1,452
Total Interest Income	163,333	165,503	189,524	151,896	108,967
Interest Paid on Deposits	85,142	91,298	106,070	75,460	42,592
Interest Paid on Borrowings	13,358	11,680	11,599	9,331	5,955
Total Interest Expense	98,500	102,978	117,669	84,791	48,547
Net Interest Income	64,833	62,525	71,855	67,105	60,420
Net Interest Income Growth	3.69%	-12.98%	7.08%	11.06%	2.47%
Gain (Loss) on Sale of Assets	-36	147	-26	-18	64
Gain (Loss) on Sale of Investments	2,100	296	145	1,234	112
Other Non-Interest Income	79,983	69,646	67,534	61,984	54,046
Total Non-Interest Income	82,047	70,089	67,653	63,200	54,222
Non-Interest Income Growth	17.06%	3.60%	7.05%	16.56%	9.30%
Revenues Before Loan Losses	146,880	132,614	139,508	130,305	114,642
Provision for Loan Losses	13,980	13,654	12,555	10,949	7,080
Revenue	132,900	118,960	126,953	119,356	107,562
Revenue Growth	11.72%	-6.30%	6.37%	10.96%	13.33%
Selling, General & Administrative	4,773	4,533	4,211	4,113	3,823
Other Non-Interest Expense	73,778	61,613	69,131	62,090	56,705
Total Non-Interest Expense	79,116	65,784	73,879	68,144	60,489
EBT Excluding Unusual Items	53,784	53,176	53,074	51,212	47,073
Asset Writedown	-147	-51	8	-25	-151
Other Unusual Items	3	35	-	-	-30
Pretax Income	53,640	53,160	53,021	50,849	46,832
Income Tax Expense	11,727	11,473	11,841	12,172	12,193
Earnings From Continuing Operations	41,913	41,687	41,180	38,677	34,639
Earnings From Discontinued Operations	-2,655	3,444	-	-	-
Minority Interest in Earnings	-1,790	-1,591	-1,471	-1,227	-1,040
Net Income	37,468	43,540	39,709	37,450	33,599
Preferred Dividends & Other Adjustments	1,719	1,664	1,518	1,119	838
Net Income to Common	35,749	41,876	38,191	36,331	32,761
Net Income Growth	-14.63%	9.65%	5.12%	10.90%	22.50%
Basic Shares Outstanding	5,567	5,593	5,605	5,606	5,607
Diluted Shares Outstanding	5,585	5,599	5,605	5,606	5,607
Shares Change	-0.25%	-0.10%	-0.02%	-0.02%	-0.03%
EPS (Basic)	6.42	7.49	6.81	6.48	5.84
EPS (Diluted)	6.40	7.48	6.81	6.48	5.84
EPS Growth	-14.42%	9.76%	5.14%	10.92%	22.53%

Additional Metrics

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
Dividend Per Share	5.390	4.660	4.150	3.840	3.420
Dividend Growth	15.67%	12.29%	8.07%	12.28%	30.04%
Effective Tax Rate	21.86%	21.58%	22.33%	23.94%	26.04%