Nedbank Group Balance Sheet

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

Millions ZAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	31,412	22,831	23,599	21,696	15,694
Investment Securities	371,955	314,837	289,291	275,637	257,459
Trading Asset Securities	52,884	43,683	38,464	28,514	60,186
Total Investments	424,839	358,520	327,755	304,151	317,645
Gross Loans	1,030,239	971,212	903,254	877,089	823,328
Allowance for Loan Losses	-27,647	-28,721	-29,602	-27,209	-25,650
Net Loans	1,002,592	942,491	873,652	849,880	797,678
Property, Plant & Equipment	14,165	14,131	10,913	11,064	10,739
Goodwill	5,340	4,011	4,011	4,292	4,295
Other Intangible Assets	8,109	8,641	7,966	8,357	8,926
Investments in Real Estate	289	291	371	26	28
Other Receivables	13,230	11,554	11,079	8,561	9,128
Restricted Cash	33,417	32,315	28,483	23,922	28,892
Other Current Assets	140	182	493	244	638
Long-Term Deferred Tax Assets	396	554	921	683	889
Other Real Estate Owned & Foreclosed	-	-	207	189	187
Other Long-Term Assets	24,699	23,016	21,958	19,839	20,178
Total Assets	1,558,628	1,418,537	1,311,408	1,252,904	1,214,917
Accrued Expenses	4,505	4,586	4,150	4,036	3,548
Interest Bearing Deposits	742,756	682,204	638,695	616,806	588,646
Non-Interest Bearing Deposits	522,703	473,653	435,331	409,270	363,857
Total Deposits	1,265,459	1,155,857	1,074,026	1,026,076	952,503
Short-Term Borrowings	51,009	30,457	27,760	23,284	51,468
Current Portion of Long-Term Debt	8,238	8,675	7,601	8,075	7,911
Current Portion of Leases	1,122	1,011	917	954	957
Current Income Taxes Payable	274	324	313	322	330
Other Current Liabilities	38,233	33,142	20,188	17,007	21,475
Long-Term Debt	43,750	41,106	40,176	43,828	50,248
Long-Term Leases	1,356	1,630	1,730	1,641	1,526
Long-Term Unearned Revenue	467	395	369	381	406
Pension & Post-Retirement Benefits	59	47	43	6	156
Long-Term Deferred Tax Liabilities	787	778	507	533	458
Other Long-Term Liabilities	16,402	14,443	14,417	10,817	14,420
Total Liabilities	1,431,661	1,292,451	1,192,197	1,136,960	1,105,406
Common Stock	477	488	488	511	509
Additional Paid-In Capital	11,935	14,351	14,332	19,208	18,768
Retained Earnings	94,586	97,278	90,614	84,128	77,756
Treasury Stock	-20	-21	-23	-24	-23
Comprehensive Income & Other	7,045	168	2,338	1,153	2,503
Total Common Equity	114,023	112,264	107,749	104,976	99,513
Minority Interest	12,944	13,822	11,462	10,968	9,998
Shareholders' Equity	126,967	126,086	119,211	115,944	109,511
Total Liabilities & Equity	1,558,628	1,418,537	1,311,408	1,252,904	1,214,917
Total Debt	105,475	82,879	78,184	77,782	112,110
Net Cash (Debt)	6,806	3,328	1,639	4,524	-2,360
Net Cash Growth	104.51%	103.05%	-63.77%	-	-
Net Cash Per Share	14.36	6.95	3.35	9.04	-4.77
Filing Date Shares Outstanding	456.9	466.99	464.57	487.25	485.6
Total Common Shares Outstanding	456.9	466.99	464.57	487.25	485.6
Book Value Per Share	249.56	240.40	231.93	215.45	204.93
Tangible Book Value	100,574	99,612	95,772	92,327	86,292
Tangible Book Value Per Share	220.12	213.30	206.15	189.49	177.70

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