• Core Headline earnings ▲26% to R577 million
• Core Headline earnings per share ▲20% to 96.4c
• Total dividend per share 40c ▲33%
• Dividend policy amended to 2 to 2.5 times
SA Taxi:
• Headline earnings attributable to the group ▲ 22% to R303 million
Transaction Capital Risk Services:
• Headline earnings attributable to the group ▲39% to R233 million

• Headline earnings per share ▲ 17% to 80.6c
• Headline earnings ▲ 17% to R458 million
• Return on average equity (RoE) 16.9%
• Total dividend per share 30c, ▲ 36%
• Total dividend cover 2.7 times, from 3.1times
SA Taxi:
• Headline earnings attributable to the group ▲ 20% to R249 million
• Return on average equity (RoE) 25.5%
Transaction Capital Risk Services:
• Headline earnings ▲ 25% to R168 million
• Return on average equity (RoE) 31.5%

• Headline earnings per share ▲20% to 37c
• Headline earnings ▲19% to R210 million
• Interim dividend for the half year ▲20% to 12c per share
• Dividend cover of 3.1 times for the half year
• Credit loss ratio improved to 3.2% from 3.9%
• Non-performing loan ratio improved to 17.0% from 17.9%
• Return on average assets increased to 4.2% from 3.9%
• Return on average equity increased to 15.9% from 15.0%

• Headline earnings per share ▲20% to 69c
• Headline earnings ▲19% TO R393 million
• Total dividend for the year of 22c per share, increased by 38%
• Dividend cover of 3.1 times for the year
• Credit loss ratio improved to 3.6% from 4.2%
• Non-performing loan ratio improved 17.0% from 18.8%
• Return on average assets increased to 4.4% from 3.5%
• Return on average equity increased to 16.7% from 12.8%

• Continuing headline earnings per share ▲22% to 31.1c
• Continuing headline earnings ▲20% to R177 million
• Interim dividend ▲67% to 10c per share
• Continuing gross loans and advances ▲15% to R7 056 million
• Non-performing loan ratio improved to 24.3% from 28.6%
• Credit loss ratio improved to 4.8% from 5.3%
• Continuing return on average equity increased to 11.9% from 9.4%
• Continuing return on average assets increased to 3.7% from 3.2%

• Continuing headline earnings per share ▲18% to 57.3c
• Continuing headline earnings ▲17% to R330 million
• Total dividend of 16c per share
• Dividend cover of 3.6 times for the year
• Continuing gross loans and advances ▲14% to R6 737 million
• Non-performing loan ratio improved by 11% to 25.7%
• Credit loss ratio stable at 5.2%

• Continuing headline earnings per share ▲28% to 25.5c
• Continuing headline earnings ▲28% to R148 million
• Interim dividend paid of 6c per share
• Dividend cover of 4.25 times for the half year
• Continuing gross loans and advances ▲14% to R6 149 million
• Continuing return on average assets stable at 3.2%
• Continuing return on average equity reduced to 9.4% from 13.0%
• Capital adequacy ration ▲46% to 53.2%

• Headline earnings per share ▲20% from 78c to 93c per share
• Headline earnings ▲35% from R405m to R545 million
• Final dividend ▲33% from 9c to 12c per share (FY 21 cps)
• Gross loans & advances ▲20% from R9.8 billion to R11.7 billion
• Return on average equity declined from 18.6% to 17.4%
• Return on average assets increased from 3.8% to 4.4%
• Capital adequacy ▲17% from 35.7% to 41.6%

• Headline earnings ▲36% from R171 million to R233 million
• Headline earnings per share ▲11% from 36.1c to 39.9c per share
• Total income increased by 22% from R2.1 billion to R2.5 billion
• Non-interest revenue ▲16% from R1.0 billion to R1.2 billion
• Gross loans & advances ▲27% from R8.5 billion to R10.8 billion
• Capital adequacy ratio ▲15% from 30.0% to 34.4%

• Normalised headline earnings ▲31% from R323 million to R424 million
• Normalised headline earnings per share ▲17% from 69.7c to 81.6c per share
• Total income ▲21% from R3.6 billion to R4.4 billion
• Non-interest revenue ▲17% from R1.8 billion to R2.1 billion
• Gross loans & advances ▲34% from R7.3 billion to R9.8 billion
• Capital adequacy ▲20% from 28.2% to 33.8%