| |
|
% change |
|
|
|
| |
|
2008 – 2009 |
2009 |
2008 |
2007 |
| Headline earnings |
Rm |
(25,8) |
4 277 |
5 765 |
5 921 |
| Income attributable to shareholders |
Rm |
(24,7) |
4 826 |
6 410 |
6 025 |
| Diluted earnings per share |
|
|
|
|
|
| |
Headline |
cents |
(29,8) |
983 |
1 401 |
1 429 |
| |
Basic |
cents |
(28,8) |
1 109 |
1 558 |
1 454 |
| Dividend declared per share |
cents |
(29,0) |
440 |
620 |
660 |
| Dividend cover |
|
|
2,30 |
2,29 |
2,25 |
| Net asset value |
Rm |
12,3 |
44 984 |
40 073 |
35 125 |
| Tangible net asset value per share |
cents |
3,1 |
7 398 |
7 179 |
6 207 |
| Net interest income (NII) to average interest-earning |
|
|
|
|
|
| banking assets |
% |
|
3,39 |
3,66 |
3,94 |
| Credit loss ratio |
% |
|
1,47 |
1,17 |
0,62 |
| Non-interest revenue (NIR) to total income |
% |
|
42,2 |
39,9 |
42,5 |
| NIR to total operating expenses |
% |
|
78,8 |
78,1 |
77,4 |
| Efficiency ratio |
% |
|
53,5 |
51,1 |
54,9 |
| Group capital adequacy ratio |
|
|
|
|
|
| |
Core Tier 1 |
% |
|
9,9 |
8,2 |
7,2 |
| |
Tier 1 |
% |
|
11,5 |
9,6 |
8,2 |
| |
Total |
% |
|
14,9 |
12,4 |
11,4 |
| Average interest-earning banking assets |
Rm |
9,0 |
481 378 |
441 713 |
358 823 |
| Total assets |
Rm |
0,6 |
570 703 |
567 023 |
488 856 |
| Assets under management |
Rm |
11,0 |
93 625 |
84 381 |
85 438 |
| Total assets under administration |
Rm |
2,0 |
664 328 |
651 404 |
574 294 |
| Return on total assets |
% |
|
0,75 |
1,09 |
1,30 |
| Return on shareholders’ equity (ROE) (excluding goodwill) |
% |
|
13,0 |
20,1 |
24,8 |
| ROE |
% |
|
11,5 |
17,7 |
21,4 |
| Economic profit |
Rm |
(>100) |
(73) |
1 790 |
2 658 |
| Life assurance embedded value* |
Rm |
40,5 |
795 |
566 |
|
| Life assurance value of new business* |
Rm |
54,5 |
187 |
121 |
|
