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ZA_FSR 2025-06-30 FY — report review

Status: OK — неполно — см. пустые метрики ниже; Currency: ZAR; Amounts unit: millions; Forms: ✓ ✓ ✓

Дата публикации отчёта: Не сохранена для этого периода — укажите financial_report_date в строке (EDGAR filingDate, KASE change_date или manual_catalog).

Full financial report: Отчёт (PDF)

PDF: Открыть PDF отчёта (первичный документ)

Чтобы заново выполнить поиск форм и превью из PDF, откройте эту ссылку Основная ссылка запускает пересчёт в фоне: панель статуса, затем готовая страница. Тяжёлый режим с refresh по умолчанию тоже в фоне (иначе прокси даёт 502). &sync=1 — только для одного долгого синхронного ответа (не рекомендуется). Можно ?refresh=1, ?recalc=1, ?nocache=1 или ?recompute=1. (дождаться в браузере: синхронное обновление)

По умолчанию — быстрый просмотр (таблица метрик и номера страниц форм), чтобы прокси не отваливался по таймауту. Полные превью и таблицы — ?heavy=1.

Сопоставление метрик (значение → evidence)

Значения метрик приведены к единицам дашборда, где это применимо; в колонке evidence — сохранённый фрагмент из текстового слоя PDF или OCR на этапе извлечения.

Мост EBITDA → чистая прибыль

Строка «финансовые расходы, налог и прочее» получена как разность EBIT и чистой прибыли; детальная разбивка — в PDF отчёта выше.

Statement pages (discovery)

Ниже — последняя полная реконструкция форм (сканы PDF + таблицы + проверки субитогов), сохранённая после запуска с ?heavy=1. Откройте тяжёлый режим, чтобы пересчитать, если менялись PDF, discovery или извлечение. полные превью и таблицы (?heavy=1).

Превью страниц и восстановленные таблицы

Подсветка Жёлтая строка — совпадение с evidence; оранжевая ячейка — точное число, взятое для метрики (наведите на строку). Выручка Опер. прибыль Аморт. и износ EBITDA Чистая прибыль cash debt_short debt_long Активы Капитал Операц. ДДС Инвест. ДДС

Зелёная / янтарная / красная полоса у подписи строки — итог/субитог, где сумма детальных строк сравнивается с числом в отчёте (эвристика). Под каждой таблицей — список проверок (Σ строк vs отчёт, статус).

P&L

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

P&L — PDF page 35

No Camelot table — OCR (v8) below.

v8 OCR page 35: empty rows.

P&L — PDF page 36

Camelot table (pages 36, primary page 36).

#	Joined label	Line item	Notes	2025	2024
0	for the year ended 30 June	for the year ended 30 June
1	R million Notes 2025 2024	R million	Notes	2025	2024
2	Interest income calculated using effective interest rate 197 863 188 258	Interest income calculated using effective interest rate		197 863	188 258
3	Interest on other financial instruments and similar income 866 1 266	Interest on other financial instruments and similar income		866	1 266
4	Interest and similar income 1.1 198 729 189 524	Interest and similar income	1.1	198 729	189 524
5	Interest expense and similar charges 1.2 (110 295) (106 070)	Interest expense and similar charges	1.2	(110 295)	(106 070)
6	Net interest income before impairment of advances 88 434 83 454	Net interest income before impairment of advances		88 434	83 454
7	Impairment and fair value of credit on advances (14 044) (12 555)	Impairment and fair value of credit on advances		(14 044)	(12 555)
8	‒ Impairment on amortised cost advances 12.2 (13 913) (12 510)	‒ Impairment on amortised cost advances	12.2	(13 913)	(12 510)
9	‒ Fair value of credit on advances 12.2 (131) (45)	‒ Fair value of credit on advances	12.2	(131)	(45)
10	Net interest income after impairment of advances 74 390 70 899	Net interest income after impairment of advances		74 390	70 899
11	Non-interest revenue 2 58 432 56 082	Non-interest revenue	2	58 432	56 082
12	‒ Net fee and commission income 2.1 40 258 38 131	‒ Net fee and commission income	2.1	40 258	38 131
13	‒ Fee and commission income 49 384 46 475	‒ Fee and commission income		49 384	46 475
14	‒ Fee and commission expense (9 126) (8 344)	‒ Fee and commission expense		(9 126)	(8 344)
15	‒ Net insurance income 4 462 4 420	‒ Net insurance income		4 462	4 420
16	‒ Insurance service result 2.2 3 569 3 193	‒ Insurance service result	2.2	3 569	3 193
17	‒ Insurance revenue 8 176 7 442	‒ Insurance revenue		8 176	7 442
18	‒ Insurance service expenses (4 334) (4 092)	‒ Insurance service expenses		(4 334)	(4 092)
19	‒ Net expenses from reinsurance contracts held (273) (157)	‒ Net expenses from reinsurance contracts held		(273)	(157)
20	‒ Net finance expenses from insurance contracts issued 2.2 (103) (98)	‒ Net finance expenses from insurance contracts issued	2.2	(103)	(98)
21	‒ Net finance income from reinsurance contracts held 2.2 28 25	‒ Net finance income from reinsurance contracts held	2.2	28	25
22	‒ Commission, brokerage and participation agreements 968 1 300	‒ Commission, brokerage and participation agreements		968	1 300
23	‒ Fair value income and foreign exchange gains 2.3 7 718 8 824	‒ Fair value income and foreign exchange gains	2.3	7 718	8 824
24	‒ Fair value gains and foreign exchange gains 19 398 20 423	‒ Fair value gains and foreign exchange gains		19 398	20 423
25	‒ Interest expense on fair value activities (11 680) (11 599)	‒ Interest expense on fair value activities		(11 680)	(11 599)
26	‒ Gains less losses from investing activities 2.4 1 427 703	‒ Gains less losses from investing activities	2.4	1 427	703
27	‒ Net other non-interest revenue 2.5 4 567 4 004	‒ Net other non-interest revenue	2.5	4 567	4 004
28	‒ Other non-interest revenue 6 390 6 017	‒ Other non-interest revenue		6 390	6 017
29	‒ Other non-interest related expense (1 823) (2 013)	‒ Other non-interest related expense		(1 823)	(2 013)
30	Income from operations 132 822 126 981	Income from operations		132 822	126 981
31	Operating expenses 3 (76 011) (74 731)	Operating expenses	3	(76 011)	(74 731)
32	Net income from operations 56 811 52 250	Net income from operations		56 811	52 250
33	Share of profit of associates after tax 17 1 289 1 466	Share of profit of associates after tax	17	1 289	1 466
34	Share of profit of joint ventures after tax 18 1 651 960	Share of profit of joint ventures after tax	18	1 651	960
35	Income before indirect tax 59 751 54 676	Income before indirect tax		59 751	54 676
36	Indirect tax 4.1 (1 874) (1 655)	Indirect tax	4.1	(1 874)	(1 655)
37	Profit before income tax 57 877 53 021	Profit before income tax		57 877	53 021
38	Income tax expense 4.2 (12 746) (11 841)	Income tax expense	4.2	(12 746)	(11 841)
39	Profit for the year 45 131 41 180	Profit for the year		45 131	41 180
40	Attributable to	Attributable to
41	Ordinary equityholders 41 876 38 191	Ordinary equityholders		41 876	38 191
42	Other equity instrument holders 1 664 1 518	Other equity instrument holders		1 664	1 518
43	Equityholders of the group 43 540 39 709	Equityholders of the group		43 540	39 709
44	Non-controlling interests 1 591 1 471	Non-controlling interests		1 591	1 471
45	Profit for the year 45 131 41 180	Profit for the year		45 131	41 180
46	Earnings per share (cents)	Earnings per share (cents)
47	‒ Basic 5 748.7 681.4	‒ Basic	5	748.7	681.4
48	‒ Diluted 5 747.9 681.4	‒ Diluted	5	747.9	681.4

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

BS

BS — PDF page 8

No Camelot table — OCR (v8) below.

GPU v8 OCR — page 8 (25 rows). Blank amount cells are normal for section headers and line-wrapped captions; 0 from OCR on those rows is not a reported financial zero. Amounts follow the PDF header (often thousands of currency).

#	Joined label	Column 2	Column 3	Column 4	Column 5
0	Five-year review and economic impact
1	Economic impact
2	Value added
3	Net interest income after impairment	184685	75.6	176969	75
4	Non-interest revenue	61372	25.1	58508	25
5	Non-operating expenses	-1732	-0.7	-1887	-0.7
6	Value added by operations	244325	100	233790	100
7	To employees
8	Salaries wages and other benefits	46367	19	44568	19
9	To providers of funding	136288	55.8	129746	55.5
10	Dividends t0 shareholders	25993	0	23676	0
11	Interest paid	110295	0	106070	0
12	To suppliers	24479	10	24573	10.5
13	To government	14662	6	14539	6.2
14	Normal tax	12795	0	12899	0
15	Value-added tax	1830	0	644	0
16	Capital gains tax
17	Other	37	0	-4	0
18	To communities
19	Corporate social investment spend	296	0.1	291	0.1
20	To expansion and growth	22233	9.1	20073	8.6
21	Retained income	17547	0	16033	0
22	Depreciation and amortisation	4728	0	5083	0
23	Deferred income tax	-42	0	43	0
24	Total value added	244325	100	233790	100

BS — PDF page 9

No Camelot table — OCR (v8) below.

v8 OCR page 9: empty rows.

CF

Tables and checks run on 2 of 3 PDF pages for this form (timeout budget). Raise REPORT_REVIEW_HEAVY_RECON_PAGES for more.

CF — PDF page 39

Camelot table (pages 39, primary page 39).

#	Joined label	Line item	Share → capital	Share → premium	Share → capital	Ordinary share capital and ordina…	Cash flow → hedge	Share-based → payment	Foreign → currency	Other → reserves*	Retained → earnings	Reserves → attributable	Other → equity	Non- → controlling	Total → equity
0	Ordinary share capital and ordinary equityholders’ funds					Ordinary share capital and ordinary equityholders’ funds
1	Defined					Defined						Reserves	Other
2	Share benefit Share-based Foreign				Share	benefit		Share-based	Foreign			attributable	equity
3	capital post- Cash flow payment currency				capital	post-	Cash flow	payment	currency			to ordinary	instruments	Non-
4	Share Share and share employment hedge reserve and translation Other Retained		Share	Share	and share	employment	hedge	reserve and	translation	Other	Retained	equity-	and	controlling	Total
5	R million capital premium premium reserve reserve treasury shares reserve reserves* earnings	R million	capital	premium	premium	reserve	reserve	treasury shares	reserve	reserves*	earnings	holders	reserves**	interests	equity
6	Balance as at 1 July 2023 56 7 860 7 916 (546) (3 095) 27 12 769 1 709 162 520	Balance as at 1 July 2023	56	7 860	7 916	(546)	(3 095)	27	12 769	1 709	162 520	173 384	12 846	4 288	198 434

No subtotal/total rows matched the built-in patterns on this table (or fewer than two detail lines above each candidate).

CF — PDF page 40

Camelot table (pages 40, primary page 40).

#	Joined label	Line item	Notes	2025	2024
0	Proceeds on disposal of non-current assets held for sale 14 – 770	Proceeds on disposal of non-current assets held for sale	14	–	770
1	Net cash outflow from investing activities (5 307) (5 991)	Net cash outflow from investing activities		(5 307)	(5 991)
Financing activities
2	Cash flows from financing activities	Cash flows from financing activities
3	Proceeds on the issue of other financial liabilities 27.1 694 1 026	Proceeds on the issue of other financial liabilities	27.1	694	1 026
4	Redemption of other financial liabilities 27.1 (1 120) (1 612)	Redemption of other financial liabilities	27.1	(1 120)	(1 612)
5	Principal payments towards lease liabilities 27.1 (1 085) (1 071)	Principal payments towards lease liabilities	27.1	(1 085)	(1 071)
6	Proceeds from issue of Tier 2 liabilities 28.1 4 298 1 548	Proceeds from issue of Tier 2 liabilities	28.1	4 298	1 548
7	Capital repaid on Tier 2 liabilities 28.1 (263) (1 910)	Capital repaid on Tier 2 liabilities	28.1	(263)	(1 910)
8	Redemption of AT1 equity instruments 30 (3 461) (2 265)	Redemption of AT1 equity instruments	30	(3 461)	(2 265)
9	for the year ended 30 June	for the year ended 30 June
10	R million Notes 2025 2024	R million	Notes	2025	2024
Operating activities
11	Cash flows from operating activities	Cash flows from operating activities
12	Profit before income tax 57 877 53 021	Profit before income tax		57 877	53 021
13	Adjustments for non-cash items: (72 602) (68 023)	Adjustments for non-cash items:		(72 602)	(68 023)
14	- Depreciation and amortisation 4 756 5 098	- Depreciation and amortisation		4 756	5 098
15	- Net impairment on assets excluding advances* 169 216	- Net impairment on assets excluding advances*		169	216
16	- Impairment loss on advances excluding post write-off recoveries 15 778 15 038	- Impairment loss on advances excluding post write-off recoveries		15 778	15 038
17	- Interest and similar income (198 729) (189 524)	- Interest and similar income		(198 729)	(189 524)
18	- Interest expenses and similar charges 110 295 106 070	- Interest expenses and similar charges		110 295	106 070
19	- Non-interest revenue** (510) (295)	- Non-interest revenue**		(510)	(295)
20	- Hyperinflation – 27	- Hyperinflation		–	27
21	- Dividends accrued (3 924) (3 882)	- Dividends accrued		(3 924)	(3 882)
22	- Indirect tax 1 874 1 655	- Indirect tax		1 874	1 655
23	- Share of profit of associates and joint venture (2 940) (2 426)	- Share of profit of associates and joint venture		(2 940)	(2 426)
24	- Equity-settled share-based payment expense 629 –	- Equity-settled share-based payment expense		629	–
25	- Interest received 197 770 186 594	- Interest received		197 770	186 594
26	- Interest paid (109 735) (105 189)	- Interest paid		(109 735)	(105 189)
27	- Dividends received 6 787 5 965	- Dividends received		6 787	5 965
28	- Dividends paid (25 993) (23 676)	- Dividends paid		(25 993)	(23 676)
29	- Dividends paid to non-controlling interests (1 010) (1 093)	- Dividends paid to non-controlling interests		(1 010)	(1 093)
30	- Taxation paid (14 891) (13 986)	- Taxation paid		(14 891)	(13 986)
31	- Indirect tax paid (1 849) (1 838)	- Indirect tax paid		(1 849)	(1 838)
32	- Income tax paid (13 042) (12 147)	- Income tax paid		(13 042)	(12 147)
33	Cash flow from operating activities before operating assets and liabilities 38 203 33 613	Cash flow from operating activities before operating assets and liabilities		38 203	33 613
34	Movement in operating assets and liabilities (31 845) (14 926)	Movement in operating assets and liabilities		(31 845)	(14 926)
35	– Investment securities 10 (56 883) (21 686)	– Investment securities	10	(56 883)	(21 686)
36	– Advances 11 (131 471) (98 911)	– Advances	11	(131 471)	(98 911)
37	– Deposits and debt funding 26 151 671 106 723	– Deposits and debt funding	26	151 671	106 723
38	– Collateral, settlement balances and other assets 13 (12 884) (4 982)	– Collateral, settlement balances and other assets	13	(12 884)	(4 982)
39	– Creditors, accruals and provisions 25 (6 423) 450	– Creditors, accruals and provisions	25	(6 423)	450
40	– Employee liabilities 22 (672) (340)	– Employee liabilities	22	(672)	(340)
41	– Defined benefit post-employment asset 22 (1) –	– Defined benefit post-employment asset	22	(1)	–
42	– Insurance assets and liabilities 15 (94) (801)	– Insurance assets and liabilities	15	(94)	(801)
43	– Reinsurance assets and liabilities 15 (79) 129	– Reinsurance assets and liabilities	15	(79)	129
44	– Policyholder liabilities under investment contracts 16 1 427 1 433	– Policyholder liabilities under investment contracts	16	1 427	1 433
45	– Non-current assets and disposal groups held for sale 14 – 379	– Non-current assets and disposal groups held for sale	14	–	379
46	– Derivatives and short trading position liabilities 18 541 (26 969)	– Derivatives and short trading position liabilities		18 541	(26 969)
47	– Derivatives and commodity assets 5 023 29 649	– Derivatives and commodity assets		5 023	29 649
48	Net cash generated from operating activities 6 358 18 687	Net cash generated from operating activities		6 358	18 687
Investing activities
49	Cash flows from investing activities	Cash flows from investing activities
50	Acquisition of investments in associates 17 (389) (622)	Acquisition of investments in associates	17	(389)	(622)
51	Proceeds on disposal of investments in associates 17 328 22	Proceeds on disposal of investments in associates	17	328	22
52	Acquisition of investments in joint ventures 18 (744) (101)	Acquisition of investments in joint ventures	18	(744)	(101)
53	Proceeds on disposal of investments in joint ventures 18 10 –	Proceeds on disposal of investments in joint ventures	18	10	–
54	Proceeds on disposal of subsidiaries 31.2.1 – 398	Proceeds on disposal of subsidiaries	31.2.1	–	398
55	Acquisition of property and equipment (5 306) (6 360)	Acquisition of property and equipment		(5 306)	(6 360)
56	Proceeds on disposal of property and equipment 1 388 929	Proceeds on disposal of property and equipment		1 388	929
57	Acquisition of investment properties 21 (42) (323)	Acquisition of investment properties	21	(42)	(323)
58	Acquisition of intangible assets 20 (552) (704)	Acquisition of intangible assets	20	(552)	(704)
59	Proceeds on disposal of non-current assets held for sale 14 – 770	Proceeds on disposal of non-current assets held for sale	14	–	770
60	Net cash outflow from investing activities (5 307) (5 991)	Net cash outflow from investing activities		(5 307)	(5 991)
Financing activities
61	Cash flows from financing activities	Cash flows from financing activities
62	Proceeds on the issue of other financial liabilities 27.1 694 1 026	Proceeds on the issue of other financial liabilities	27.1	694	1 026
63	Redemption of other financial liabilities 27.1 (1 120) (1 612)	Redemption of other financial liabilities	27.1	(1 120)	(1 612)
64	Principal payments towards lease liabilities 27.1 (1 085) (1 071)	Principal payments towards lease liabilities	27.1	(1 085)	(1 071)
65	Proceeds from issue of Tier 2 liabilities 28.1 4 298 1 548	Proceeds from issue of Tier 2 liabilities	28.1	4 298	1 548
66	Capital repaid on Tier 2 liabilities 28.1 (263) (1 910)	Capital repaid on Tier 2 liabilities	28.1	(263)	(1 910)
67	Redemption of AT1 equity instruments 30 (3 461) (2 265)	Redemption of AT1 equity instruments	30	(3 461)	(2 265)

Subtotals vs summed lines (heuristic)

For each recognised total/subtotal row, amounts in the detected reporting column are summed over preceding detail rows until another subtotal or a lookback limit. This mirrors coarse PHP-style checks; it is not a full chart-of-accounts reconciliation.

Row	Label (trimmed)	Σ detail	Reported	|Δ|/scale	Status
48	Net cash generated from operating activities 6 358 18 687	-52,115	18,687	1.3586	Mismatch (43 lines)

Formulas used

• Net debt: debt_short + debt_long + other_financial_liabilities + non_controlling_interest − cash (mln); debt_short + debt_long + other_financial_liabilities + non_controlling_interest − cash (from row components)