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ZA_FSR 2025-12-31 H1 — report review

Status: OK — incomplete — unset metrics listed below; Currency: ZAR; Amounts unit: millions; Forms: ✓ ✓ ✓

Report published: Not stored for this period — set financial_report_date on the row (EDGAR filingDate, KASE change_date, or manual_catalog).

Full financial report: Report (PDF)

PDF: Open the filing PDF (primary document)

To recalculate statement detection and previews from the PDF, use this link The default link runs in the background: a status panel shows phase, elapsed time, rough ETA, CUDA vs CPU, and OOM hints, then loads the finished report. Heavy mode with refresh does this automatically so reverse proxies do not return 502. Add &sync=1 only for one long blocking request (not recommended). You can use ?refresh=1, ?recalc=1, ?nocache=1, or ?recompute=1 on the URL. (block in the browser until done: synchronous refresh)

Default view is fast (metric table + statement page numbers only) so reverse proxies do not time out. Use ?heavy=1 when you need embedded page images and Camelot tables.

Metric mapping (value → extracted evidence)

Metric values use dashboard units where applicable; evidence is the stored snippet from the PDF text layer or OCR used during extraction.

MetricValueEvidence / page extract
Revenue71 940Row: Non-interest revenue; Stage 3/NPLs as a % of core lending advances 20 2 897; 6.93 13.79 17.55 13.62 3.87 6.23 9.32 7.70 331 9 872 5 995 3 208 13 120   22 323   1 714 24 037; 4.61 8 517 · dashboard=71,940.000 mln · pages 51 — [PL page 51] Non-interest revenue | Stage 3/NPLs as a % of core lending advances 20 2 897 | 6.93 13.79 17.55 13.62 3.87 6.23 9. …
Operating profit32 615Row: Income from operations; Consolidated income statement includes 2 434 4 560; 2 441 13 618 14 318 6 048 23 053   43 419   3 711 47 130; 15 611 · dashboard=32,615.000 mln · pages 51 — [PL page 51] Income from operations | Consolidated income statement includes 2 434 4 560 | 2 441 13 618 14 318 6 048 23 053 …
D&A—Row: equity investments that are subsidiaries. The group includes gains; FirstRand’s black economic empowerment (BEE) transaction is fully; – Impairment on amortised cost advances; (7 353) · pages 151 — [DA recon page 151] equity investments that are subsidiaries. The group includes gains | FirstRand’s black economic empowerment (BEE) transa …
EBITDA——
Net profit23 127Row: AFIX: stored 25012000.0 is 1028x what this card own FY implies; recomputed as FY 45131.0 minus H2 20799.0 · dashboard=23,127.000 mln — AFIX: stored 25012000.0 is 1028x what this card own FY implies; recomputed as FY 45131.0 minus H2 20799.0
Cash188 418Row: 31 December; 30 June · dashboard=188,418.000 mln · pages 153 — [BS page 153] | | | | | | 31 December | | 30 June
Debt short—Row: not found · pages 153 — [BS page 153] not found
Debt long—Row: not found · pages 153 — [BS page 153] not found
Net debt—Row: filled from stockanalysis.com semi-annual (fill-missing) — filled from stockanalysis.com semi-annual (fill-missing)
Operating CF27 397Row: was 6366697.0 where the H1 of the years either side run near 15045.0; at x1/1000 it is 6366.697 · dashboard=27,397.000 mln — was 6366697.0 where the H1 of the years either side run near 15045.0; at x1/1000 it is 6366.697
Investing CF-7 047Row: Net cash outflow from investing activities; (7 047); (3 136); (5 307) · dashboard=-7,047.000 mln · pages 155 — [CF page 155] Net cash outflow from investing activities | (7 047) | (3 136) | (5 307)
Assets2 681 769Row: filled from stockanalysis.com semi-annual (fill-missing) · dashboard=2,681,769.000 mln — filled from stockanalysis.com semi-annual (fill-missing)
Equity221 396Row: filled from stockanalysis.com semi-annual (fill-missing) · dashboard=221,396.000 mln — filled from stockanalysis.com semi-annual (fill-missing)

Consistency checks · All checks passed

✓Balance sheet identity (A = L + E)TA (2,681,769) ≈ TL (2,434,817) + TE (221,396); residual +25,556 within 1%.
✓Net profit vs operating profitNet profit (23,127) sits within a plausible band vs operating profit (32,615).
✓Cash ≤ total assetsCash (188,418) ≤ total assets (2,681,769).

Statement pages (discovery)

FormPages
P&L150, 151, 152
BS152, 153, 154
CF153, 154, 155

Statement previews & reconstructed tables

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Formulas used