FirstRand Income 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
Interest Income on Loans	196,783	197,863	188,258	149,269	107,515	103,912
Interest Income on Investments	758	866	1,266	2,627	1,452	2,023
Total Interest Income	197,541	198,729	189,524	151,896	108,967	105,935
Interest Paid on Deposits	106,183	110,295	106,070	75,460	42,592	42,645
Interest Paid on Borrowings	12,336	11,680	11,599	9,331	5,955	4,326
Total Interest Expense	118,519	121,975	117,669	84,791	48,547	46,971
Net Interest Income	79,022	76,754	71,855	67,105	60,420	58,964
Net Interest Income Growth (YoY)	6.59%	6.82%	7.08%	11.06%	2.47%	1.44%
Gain (Loss) on Sale of Assets	147	147	-26	-18	64	-20
Gain (Loss) on Sale of Investments	178	183	145	1,234	112	-46
Other Non-Interest Income	74,438	69,767	67,534	61,984	54,046	49,675
Total Non-Interest Income	74,760	70,097	67,653	63,200	54,222	49,609
Non-Interest Income Growth (YoY)	9.17%	3.61%	7.05%	16.56%	9.30%	6.80%
Revenues Before Loan Losses	153,782	146,851	139,508	130,305	114,642	108,573
Provision for Loan Losses	14,486	14,044	12,555	10,949	7,080	13,660
Revenue	139,296	132,807	126,953	119,356	107,562	94,913
Revenue Growth (YoY)	7.51%	4.61%	6.37%	10.96%	13.33%	18.35%
Selling, General & Administrative	4,643	4,643	4,211	4,113	3,823	3,351
Other Non-Interest Expense	74,047	70,566	69,131	62,090	56,705	54,243
Total Non-Interest Expense	78,521	74,830	73,879	68,144	60,489	57,214
EBT Excluding Unusual Items	60,775	57,977	53,074	51,212	47,073	37,699
Asset Writedown	-100	-100	8	-25	-151	-89
Other Unusual Items	-	-	-	-	-30	-207
Pretax Income	60,675	57,877	53,021	50,849	46,832	37,291
Income Tax Expense	13,344	12,746	11,841	12,172	12,193	8,981
Earnings From Continuing Operations	47,331	45,131	41,180	38,677	34,639	28,310
Minority Interest in Earnings	-1,663	-1,591	-1,471	-1,227	-1,040	-790
Net Income	45,668	43,540	39,709	37,450	33,599	27,520
Preferred Dividends & Other Adjustments	1,742	1,664	1,518	1,119	838	777
Net Income to Common	43,926	41,876	38,191	36,331	32,761	26,743
Net Income Growth	10.41%	9.65%	6.03%	11.46%	22.09%	51.49%
Basic Shares Outstanding	5,580	5,593	5,605	5,606	5,607	5,608
Diluted Shares Outstanding	5,592	5,599	5,605	5,606	5,607	5,608
Shares Change (YoY)	-0.17%	-0.10%	-0.02%	-0.02%	-0.03%	0.00%
EPS (Basic)	7.87	7.49	6.81	6.48	5.84	4.77
EPS (Diluted)	7.86	7.48	6.81	6.48	5.84	4.77
EPS Growth	10.69%	9.76%	5.14%	10.92%	22.53%	57.12%
Dividend Per Share	5.060	4.660	4.150	3.840	3.420	2.630
Dividend Growth	16.59%	12.29%	8.07%	12.28%	30.04%	80.14%
Effective Tax Rate	21.99%	22.02%	22.33%	23.94%	26.04%	24.08%

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