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Price: 20 231 Zac -10.08%

Market Cap: 333.2B Zac

Income Statement

Net Interest Income

Non Interest Income

Currency: ZAR

		Dec-2004	Jun-2005	Dec-2005	Jun-2006	Dec-2006	Jun-2007	Dec-2007	Jun-2008	Dec-2008	Jun-2009	Dec-2009	Jun-2010	Dec-2010	Jun-2011	Dec-2011	Jun-2012	Dec-2012	Jun-2013	Dec-2013	Jun-2014	Dec-2014	Jun-2015	Dec-2015	Jun-2016	Dec-2016	Jun-2017	Dec-2017	Jun-2018	Dec-2018	Jun-2019	Dec-2019	Jun-2020	Dec-2020	Jun-2021	Dec-2021	Jun-2022	Dec-2022	Jun-2023	Dec-2023	Jun-2024	Dec-2024
Revenue
Net Interest Income		11 492	12 120	13 015	14 456	16 654	19 383	22 549	26 746	31 918	34 050	31 316	29 246	28 742	27 606	28 827	31 199	33 966	37 112	39 120	41 901	45 152	46 986	49 310	53 636	56 892	57 887	60 125	60 035	59 622	61 737	62 919	62 858	61 425	60 189	62 436	66 879	78 391	91 232	98 188	102 536	101 253
Interest Income		35 247	36 653	38 625	28 001	16 654	19 383	22 549	26 746	31 918	34 050	31 316	29 246	28 742	27 606	28 827	31 199	33 966	37 112	39 120	41 901	45 152	46 986	91 535	53 636	108 060	57 887	124 147	60 035	128 183	61 737	129 500	62 858	107 025	60 189	99 212	66 879	77 112	89 009	193 290	102 536	207 985
Interest Expense		23 755	24 533	25 610	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	42 225	0	51 168	0	64 022	0	68 561	0	66 581	0	45 600	0	36 776	0	56 484	0	95 102	0	106 732
Non Interest Income		42 319	53 150	60 689	67 309	72 334	77 852	67 513	55 406	44 652	41 005	65 951	60 217	30 588	50 472	78 844	92 841	110 755	109 636	119 037	132 103	120 420	115 571	124 908	80 602	114 884	63 754	131 914	69 007	101 106	69 405	122 276	72 448	112 661	78 590	146 516	76 940	114 544	107 266	149 148	150 237	155 356
Revenue		53 811 N/A	65 270 +21%	73 704 +13%	81 765 +11%	88 988 +9%	97 235 +9%	90 062 -7%	82 152 -9%	76 570 -7%	75 055 -2%	97 267 +30%	89 463 -8%	59 330 -34%	78 078 +32%	107 671 +38%	124 040 +15%	144 721 +17%	146 748 +1%	158 157 +8%	174 004 +10%	165 572 -5%	162 557 -2%	174 218 +7%	134 238 -23%	171 776 +28%	121 641 -29%	192 039 +58%	129 042 -33%	160 728 +25%	131 142 -18%	185 195 +41%	135 306 -27%	174 086 +29%	138 779 -20%	208 952 +51%	143 819 -31%	192 935 +34%	198 498 +3%	247 336 +25%	252 773 +2%	256 609 +2%
Pre-Tax Income
Loan Loss Provision		(1 050)	(858)	(1 207)	(1 869)	(2 733)	(3 542)	(4 590)	(6 978)	(11 342)	(13 960)	(12 097)	(8 772)	(7 524)	(6 648)	(6 436)	(7 467)	(8 714)	(9 771)	(9 095)	(9 045)	(9 009)	(9 089)	(9 371)	(10 154)	(9 533)	(8 873)	(9 410)	(7 784)	(6 489)	(6 737)	(7 964)	(15 008)	(20 594)	(15 100)	(9 873)	(10 004)	(13 343)	(16 801)	(16 261)	(15 799)	(15 152)
Non Interest Expense		(40 407)	(50 829)	(58 606)	(64 015)	(67 893)	(72 696)	(62 668)	(51 414)	(43 774)	(44 962)	(68 494)	(62 236)	(36 686)	(54 261)	(80 379)	(95 043)	(110 553)	(109 741)	(120 261)	(133 902)	(122 289)	(118 361)	(131 300)	(88 805)	(127 517)	(76 654)	(141 435)	(79 380)	(112 501)	(81 445)	(135 976)	(94 633)	(135 339)	(93 040)	(160 871)	(90 591)	(128 835)	(120 638)	(164 707)	(170 793)	(173 753)
Pre-Tax Income		12 354 N/A	13 583 +10%	13 891 +2%	15 881 +14%	18 362 +16%	20 997 +14%	22 804 +9%	23 760 +4%	21 454 -10%	16 133 -25%	16 676 +3%	18 455 +11%	15 120 -18%	17 169 +14%	20 856 +21%	21 530 +3%	25 454 +18%	27 236 +7%	28 801 +6%	31 057 +8%	34 274 +10%	35 107 +2%	33 547 -4%	35 279 +5%	34 726 -2%	36 114 +4%	41 194 +14%	41 878 +2%	41 738 0%	42 960 +3%	41 255 -4%	25 665 -38%	18 153 -29%	30 639 +69%	38 208 +25%	43 224 +13%	50 757 +17%	61 059 +20%	66 368 +9%	66 181 0%	67 704 +2%
Net Income
Tax Provision		(3 277)	(3 811)	(4 312)	(4 712)	(5 852)	(6 861)	(6 232)	(5 650)	(4 705)	(3 528)	(4 680)	(5 555)	(4 490)	(4 914)	(5 713)	(5 942)	(7 002)	(6 923)	(7 563)	(8 402)	(8 061)	(8 054)	(8 187)	(8 995)	(8 932)	(8 742)	(10 479)	(10 463)	(9 095)	(9 823)	(10 559)	(6 674)	(3 640)	(6 927)	(10 149)	(10 416)	(11 717)	(14 998)	(16 065)	(16 237)	(17 520)
Income from Continuing Operations		9 077	9 772	9 579	11 169	12 510	14 136	16 572	18 110	16 749	12 605	11 996	12 900	10 630	12 255	15 143	15 588	18 452	20 313	21 238	22 655	26 213	27 053	25 360	26 284	25 794	27 372	30 715	31 415	32 643	33 137	30 696	18 991	14 513	23 712	28 059	32 808	39 040	46 061	50 303	49 944	50 184
Income to Minority Interest		(1 393)	(1 464)	(921)	(1 459)	(1 723)	(1 795)	(2 471)	(2 928)	(2 288)	(396)	(411)	(1 084)	(617)	(1 369)	(2 213)	(2 334)	(2 871)	(3 108)	(3 451)	(3 874)	(3 904)	(3 773)	(3 970)	(4 303)	(3 182)	(3 171)	(3 886)	(4 106)	(4 452)	(4 405)	(4 380)	(2 097)	(1 352)	(2 944)	(2 369)	(2 373)	(3 798)	(4 663)	(4 330)	(4 147)	(4 366)
Equity Earnings Affiliates		0	0	0	0	0	0	0	0	0	0	0	465	1 218	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income (Common)		7 684 N/A	8 194 +7%	8 432 +3%	9 486 +13%	10 518 +11%	11 965 +14%	13 651 +14%	14 695 +8%	13 932 -5%	11 647 -16%	11 054 -5%	11 840 +7%	10 774 -9%	11 457 +6%	13 226 +15%	13 737 +4%	16 046 +17%	17 021 +6%	16 206 -5%	16 379 +1%	17 905 +9%	22 895 +28%	23 754 +4%	21 337 -10%	22 206 +4%	23 734 +7%	26 235 +11%	26 601 +1%	27 453 +3%	27 942 +2%	25 443 -9%	16 015 -37%	12 358 -23%	20 005 +62%	24 865 +24%	29 553 +19%	34 243 +16%	40 065 +17%	44 211 +10%	43 774 -1%	43 727 0%
EPS (Diluted)		6.5 N/A	7.34 +13%	7.47 +2%	8.34 +12%	9.22 +11%	8.14 -12%	9.28 +14%	10.35 +12%	9.43 -9%	7.82 -17%	7.2 -8%	7.7 +7%	6.91 -10%	7.35 +6%	8.49 +16%	8.76 +3%	10.16 +16%	10.67 +5%	10 -6%	10.1 +1%	11.1 +10%	14.1 +27%	14.73 +4%	13.18 -11%	13.71 +4%	14.64 +7%	16.18 +11%	16.47 +2%	17.05 +4%	17.33 +2%	15.85 -9%	10.02 -37%	7.75 -23%	12.5 +61%	15.55 +24%	17.99 +16%	20.53 +14%	23.9 +16%	26.35 +10%	26.17 -1%	26.18 +0%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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