 |
|
|
|
|
|
|
|
| |
Pre
|
Incl
|
|
|
|
|
|
| |
AC133 |
BoE |
|
|
|
|
|
| |
2003 |
2002 |
2003 |
2002 |
2001 |
2000 |
1999 |
June |
Rm |
Rm |
Rm |
Rm |
Rm |
Rm |
Rm |
| Interest income |
14
669 |
11 854 |
14
669 |
9
575 |
8
610 |
7
290 |
8
531 |
| Interest expense |
11 357
|
8 617 |
11 180
|
6 718 |
6 006 |
5 009 |
6 352 |
| Net interest income |
3 312 |
3 237 |
3 489 |
2 857 |
2 604 |
2 281 |
2 179 |
| Non-interest revenue |
3 876 |
4 081 |
4 238 |
2 690 |
2 141 |
1 882 |
1 636 |
| Foreign exchange translation |
|
|
|
|
|
|
|
| (losses)/gains |
(451) |
(350) |
(735) |
(436) |
168 |
128 |
|
| Total income |
6 737 |
6 968 |
6 992 |
5 111 |
4 913 |
4 291 |
3 815 |
| Impairment of advances |
|
|
891 |
|
|
|
|
| Specific and general provisions |
795 |
921 |
|
560 |
494 |
484 |
501 |
| Exceptional general |
|
|
|
|
|
|
|
| provision (reversed)/raised |
|
(400) |
|
(400) |
|
|
|
| Income after specific and |
|
|
|
|
|
|
|
| general provisions |
5 942 |
6 447 |
6 101 |
4 951 |
4
419 |
3
807 |
3
314 |
| Operating expenses |
4 561 |
4 282 |
4 561 |
2 962 |
2 550 |
2 235 |
2 063 |
|
Merger and reorganisation |
|
|
|
|
|
|
|
| expenses |
134
|
|
134
|
|
|
|
|
| Profit from operations before |
|
|
|
|
|
|
|
| exceptional capital items |
1 247 |
2 165 |
1 406 |
1 989 |
1 869 |
1 572 |
1 251 |
| Exceptional capital items |
(361) |
(1 569) |
(309) |
(926) |
(3 515) |
(1) |
(83) |
| Net capital loss on investment |
|
|
|
|
|
|
|
| in Dimension Data |
(136) |
(830) |
(84) |
(830) |
(3 467) |
|
|
| Amortisation and impairment |
|
|
|
|
|
|
|
| of goodwill |
(209) |
(211) |
(209) |
(96) |
(48) |
(81) |
193 |
| Loss on sale of investments |
|
|
|
|
|
|
|
| and operations
|
(17) |
(524) |
(17) |
|
|
|
|
| Impairment of investments |
|
(4) |
|
|
|
|
|
|
and of property and equipment |
|
|
|
|
|
80 |
|
|
Special general provision |
|
|
|
|
|
|
|
| supplement |
|
|
|
|
|
|
(276)
|
|
| Profit from operations |
886 |
596 |
1 097 |
1 063 |
(1 646) |
1 571 |
1 168 |
| Attributable earnings |
|
|
|
|
|
|
|
| of associates |
70 |
93 |
70 |
92 |
100 |
98 |
51 |
| Profit before taxation |
956 |
689 |
1 167 |
1 155 |
(1 546) |
1 669 |
1 219 |
| Taxation |
467 |
430 |
592 |
404 |
402 |
393 |
333 |
| Taxation: Exceptional
capital items |
|
(298) |
|
(140) |
– |
– |
(83) |
| Profit after taxation |
489 |
557 |
575 |
891 |
(1 948) |
1 276 |
969 |
| Minority interest attributable to |
|
|
|
|
|
|
|
| ordinary shareholders |
97 |
82 |
90 |
153 |
82 |
46 |
|
| Minority interest attributable to |
|
|
|
|
|
|
|
| preference shareholders |
133
|
|
133
|
|
|
|
|
| Net profit for the
year |
259 |
475 |
352 |
738 |
(2 030) |
1 230 |
969 |
| Headline earnings |
619 |
1 746 |
661 |
1 524 |
1 485 |
1 231 |
969 |
| Core earnings |
1 204 |
1 696 |
1 530 |
1 560 |
1 317 |
1 103 |
969 |
| |
|
|
|
|
|
|
|
|
|
Including
|
|
|
|
|
|
|
|
BoE |
|
|
|
|
|
|
|
2002 |
2002 |
2001 |
2000 |
1999 |
1998 |
| December |
|
Rm |
Rm |
Rm |
Rm |
Rm |
Rm |
| Interest income |
|
26 594 |
23 822 |
17 186 |
15 236 |
16 260 |
16 492 |
| Interest expense |
|
19 907 |
17 522 |
11 918 |
10 504 |
11 901 |
12 567 |
| Net interest income |
|
6 687 |
6 300 |
5 268 |
4 732 |
4 359 |
3 925 |
| Non-interest revenue |
|
8 322 |
6 929 |
5 054 |
3 917 |
3 395 |
3 138 |
| Foreign exchange translation
|
|
|
|
|
|
|
|
| (losses)/gains |
|
(926) |
(1 011) |
1 096 |
375 |
91 |
73 |
| Total income |
|
14 083 |
12 218 |
11 418 |
9 024 |
7 845 |
7 136 |
| Specific and general provisions |
|
2 147 |
1 778 |
1 058 |
910 |
869 |
698 |
| Exceptional general
provision reversed |
|
(400) |
(400) |
400 |
|
|
|
| Income after specific and general |
|
|
|
|
|
|
|
| provisions |
|
12 336 |
10 840 |
9 960 |
8 114 |
6 976 |
6 438 |
| Operating expenses |
|
8 655 |
7 334 |
5 416 |
4 538 |
4 054 |
4 008 |
| Merger and reorganisation expenses |
|
169 |
193 |
|
|
|
|
| Profit from operations before
|
|
|
|
|
|
|
|
| exceptional
capital items |
|
3 512 |
3 313 |
4 544 |
3 576 |
2 922 |
2 430 |
| Exceptional capital items |
|
(2 437) |
(1 793) |
(3 605) |
3 277 |
(217) |
– |
| Net capital loss on investment
in |
|
|
|
|
|
|
|
| Dimension
Data |
|
(1 080) |
(1 080) |
(3 298) |
3 663 |
|
|
| Amortisation and impairment
of |
|
|
|
|
|
|
|
| goodwill |
|
(617) |
(501) |
(273) |
(280) |
(225) |
|
| Loss on sale of investments
and |
|
|
|
|
|
|
|
| operations |
|
(588) |
(58) |
|
|
717 |
|
| Merger and reorganisation costs |
|
(35) |
(35) |
|
|
|
|
| Impairment of investments and
of |
|
|
|
|
|
|
|
| property
and equipment |
|
(117) |
(119) |
(34) |
(106) |
|
|
| Special general provision supplement |
|
|
|
|
|
(709) |
|
|
| Profit from operations |
|
1 075 |
1 520 |
939 |
6 853 |
2 705 |
2 430 |
| Attributable earnings
of associates |
|
162 |
162 |
181 |
249 |
130 |
59 |
| Profit before taxation |
|
1 237 |
1 682 |
1 120 |
7 102 |
2 835 |
2 489 |
| Taxation |
|
606 |
580 |
772 |
715 |
625 |
589 |
| Taxation: Merger and reorganisation |
|
|
|
|
|
|
|
| expenses |
|
|
(23) |
|
|
|
|
| Taxation: Exceptional
capital items |
|
(350) |
(192) |
171 |
(77) |
(217) |
|
| Profit after taxation |
|
981 |
1 317 |
177 |
6 464 |
2 427 |
1 900 |
| Income attributable to minority
|
|
|
|
|
|
|
|
| shareholders |
|
241 |
333 |
164 |
109 |
21 |
|
| Net profit for the year |
|
740 |
984 |
13 |
6 355 |
2 406 |
1 900 |
| Headline earnings |
|
2 827 |
2 585 |
3 789 |
3 012 |
2 406 |
1 900 |
| Core earnings |
|
3 522 |
3 366 |
3 093 |
2 637 |
2 315 |
1 827 |
| |
|
|
|
|
|
|
|
| |
|
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| |
|
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| |
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