Commentary & highlights
Financial statements
Selected return ratios
Key income statement
Key balance sheet
Capital adequacy
Employees
Historical review
Ratings & comparison
Market share analysis
Commentary
Core highlights
Headline highlights
Income statement
Balance sheet
Changes in shareholders' equity
Cash flow statement
Segmental analysis
Currency balance sheet
Core financial statements
Analysis of advances, deposits, investments
Managed funds
Average balance sheet & related interest
ROE
ROA
Net interest income
Net interest margin
Non-interest revenue
Expenses and taxation
Analysis of advances, deposits and investments
Specific and general provisions
Non-performing loans
Six-year financial review
- Core
Income statement - 5-year review
Balance sheet - 5-year review
Fitch IBCA ratings
% income statement: Comparison
% income statement: Big 4 banks
% income statement by bank
`
Net interest income
PRE AC133
Incl BoE
2003
2003
2003
2002
2001
2000
1999
June
Rm
Rm
Rm
Rm
Rm
Rm
Rm
Interest received
14 846
12 038
14 669
9 707
8 690
7 389
8 682
Interest paid
(11 357)
(8 617)
(11 180)
(6 718)
(6 006)
(5 009)
(6 352)
Interest reserved
(177)
(184)
—
(132)
(80)
(99)
(151)
Net interest income
3 312
3 237
3 489
2 857
2 604
2 281
2 179
2002
2001
2000
1999
1998
December
Rm
Rm
Rm
Rm
Rm
Interest received
24 080
17 359
15 480
16 490
16 651
Interest paid
(17 522)
(11 918)
(10 504)
(11 901)
(12 567)
Interest reserved
(258)
(173)
(244)
(230)
(159)
Net interest income
6 300
5 268
4 732
4 359
3 925
This page was updated on 29 July, 2003
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