FirstRand Balance Sheet

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
Cash & Equivalents	145,437	126,066	117,974	106,713	109,115	95,432
Investment Securities	644,740	612,342	512,642	512,055	463,562	444,531
Trading Asset Securities	84,042	59,004	52,286	75,949	61,385	66,745
Total Investments	728,782	671,346	564,928	588,004	524,947	511,276
Gross Loans	1,712,876	1,699,002	1,597,898	1,511,037	1,311,441	1,208,468
Allowance for Loan Losses	-55,669	-55,188	-54,165	-51,072	-47,734	-50,618
Net Loans	1,657,207	1,643,814	1,543,733	1,459,965	1,263,707	1,157,850
Property, Plant & Equipment	23,827	23,650	23,326	21,155	19,725	20,190
Goodwill	7,956	8,621	8,181	8,646	7,722	7,726
Other Intangible Assets	1,730	1,727	1,520	1,631	1,737	2,206
Investments in Real Estate	783	783	704	353	698	659
Accrued Interest Receivable	-	4	19	33	23	19
Other Receivables	580	10,384	9,912	7,409	4,428	4,775
Restricted Cash	42,981	42,313	40,503	40,958	34,521	39,627
Other Current Assets	6,219	41,331	41,725	49,854	22,134	22,291
Long-Term Deferred Tax Assets	6,694	7,937	8,562	8,693	8,028	6,104
Other Real Estate Owned & Foreclosed	-	45	55	72	99	100
Other Long-Term Assets	59,573	8,517	5,673	4,553	2,685	1,758
Total Assets	2,681,769	2,586,538	2,366,815	2,298,039	1,999,569	1,870,013
Accounts Payable	-	19,903	28,987	32,264	21,491	14,366
Accrued Expenses	11,073	19,657	19,471	20,238	16,489	13,657
Interest Bearing Deposits	2,255,856	1,926,082	1,764,306	1,658,938	1,448,704	1,313,727
Total Deposits	2,255,856	1,926,082	1,764,306	1,658,938	1,448,704	1,313,727
Short-Term Borrowings	78,911	96,276	67,246	95,240	80,705	92,723
Current Portion of Long-Term Debt	-	-	-	-	8,686	1,200
Current Portion of Leases	-	1,028	1,069	1,026	1,064	987
Current Income Taxes Payable	677	438	719	471	803	1,280
Other Current Liabilities	9,648	19,341	12,263	13,601	16,731	20,673
Long-Term Debt	33,239	237,763	236,118	259,139	205,679	226,402
Long-Term Leases	-	1,795	1,993	2,000	1,761	1,899
Long-Term Unearned Revenue	-	2,425	2,438	2,707	2,620	2,476
Pension & Post-Retirement Benefits	-	1,574	1,491	1,400	1,305	1,285
Long-Term Deferred Tax Liabilities	1,072	1,005	843	1,033	692	887
Other Long-Term Liabilities	44,341	18,277	14,591	11,548	12,090	10,529
Total Liabilities	2,434,817	2,345,564	2,151,535	2,099,605	1,818,860	1,702,126
Preferred Stock, Other	-	-	-	-	4,519	4,519
Total Preferred Equity	-	-	-	-	4,519	4,519
Common Stock	56	56	56	56	56	56
Additional Paid-In Capital	6,997	8,056	8,056	7,860	7,905	7,973
Retained Earnings	205,339	194,523	177,157	162,520	153,645	138,837
Comprehensive Income & Other	29,017	32,916	25,150	23,710	10,301	11,877
Total Common Equity	241,409	235,551	210,419	194,146	171,907	158,743
Minority Interest	5,543	5,423	4,861	4,288	4,283	4,625
Shareholders' Equity	246,952	240,974	215,280	198,434	180,709	167,887
Total Liabilities & Equity	2,681,769	2,586,538	2,366,815	2,298,039	1,999,569	1,870,013
Total Debt	112,150	336,862	306,426	357,405	297,895	323,211
Net Cash (Debt)	263,679	-46,967	-68,358	-95,333	-56,778	-95,450
Net Cash Per Share	47.15	-8.39	-12.20	-17.01	-10.13	-17.02
Filing Date Shares Outstanding	5,566	5,583	5,604	5,607	5,607	5,608
Total Common Shares Outstanding	5,566	5,583	5,604	5,607	5,607	5,608
Book Value Per Share	43.38	42.19	37.55	34.63	30.66	28.31
Tangible Book Value	231,723	225,203	200,718	183,869	162,448	148,811
Tangible Book Value Per Share	41.64	40.34	35.82	32.80	28.97	26.54

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