| |
 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
2004 |
|
2003 |
| |
Rm
|
|
%
|
|
Rm
|
|
%
|
| Value added is the wealth created from providing |
|
|
|
|
|
|
|
| quality services to clients |
|
|
|
|
|
|
|
| Net interest income |
7
567
|
|
89
|
|
6 808
|
|
130
|
| Impairment of advances |
(1
416)
|
|
(17)
|
|
(2 063)
|
|
(39)
|
| Margin on lending |
6
151
|
|
72
|
|
4 745
|
|
91
|
| Non-margin-related income** |
7
462
|
|
87
|
|
4 976
|
|
95
|
| Other expenditure |
(5
067)
|
|
(59)
|
|
(4 493)
|
|
(86)
|
| |
8
546
|
|
100
|
|
5 228
|
|
100
|
| Value allocated |
|
|
|
|
|
|
|
| – Employees |
5
350
|
|
63
|
|
4 949
|
|
95
|
| – Government (taxes)*** |
1
009
|
|
12
|
|
711
|
|
13
|
| – Shareholders**** |
633
|
|
7
|
|
1 661
|
|
32
|
| – Retentions for growth |
1
554
|
|
18
|
|
(2 093)
|
|
(40)
|
| Depreciation and amortisation |
849
|
|
10
|
|
902
|
|
17
|
| Retained income |
705
|
|
8
|
|
(2 995)
|
|
(57)
|
| |
|
|
|
|
|
|
|
| |
8
546
|
|
100
|
|
5 228
|
|
100
|
|
|
|
|
