Business Segments FirstRand Limited OTC Markets

Stocks

FANDF

ZAE000066304

Banks

Market Closed - OTC Markets 14:07:35 2026-08-20 EDT			5-day change	1st Jan Change
5.822 ^USD	+3.97%		-.--%	+13.06%

09-15	Deals of the day-Mergers and acquisitions	RE
09-14	CVC joins JC Flowers in potential bid for UK bank Aldermore, sources say	RE

Sales 2026 by Business Segment

Sales 2026 by Geography

Historical Breakdown of Revenue by Business Segments

Net Income: Breakdown by Business Segment

Geographical Revenue Distribution History

Breakdown by Business Segment (ZAR)

Fiscal Period: June	2022	2023	2024	2025	2026
Diversified Commercial Banks
Retail and Commercial - FNB SA	59.71B	66.12B	64.64B	69.06B	75.34B
Total Assets	450B	485B	520B	543B	576B
Income Tax Expense	7.31B	7.7B	7.64B	8.06B	9.13B
CAPEX	-	-	-	-	-4.46B
EBT	26.08B	28.44B	28.05B	29.96B	33.81B
D&A	2.53B	2.49B	2.62B	2.96B	3.32B
Net Income	18.83B	20.82B	20.45B	21.91B	24.69B
Retail and Commercial - FNB Rest of Africa	8.25B	9.68B	10.78B	11.36B	12.41B
Total Assets	56.04B	62.06B	65.97B	69.55B	71.96B
Income Tax Expense	846M	1B	1.07B	1.05B	1.1B
CAPEX	-	-	-	-	-432M
EBT	2.3B	2.9B	3.49B	3.68B	3.8B
D&A	423M	425M	431M	481M	569M
Operating Income	-	-	-	-	-
Net Income	1.45B	1.9B	2.42B	2.62B	2.7B
Retail and Commercial - Wesbank	6.85B	6.87B	7.48B	7.4B	7.43B
Total Assets	146B	164B	175B	193B	219B
Income Tax Expense	636M	580M	746M	838M	845M
CAPEX	-	-	-	-	-2B
EBT	1.79B	2.12B	2.22B	2.59B	2.4B
D&A	876M	837M	833M	738M	754M
Operating Income	-	-	-	-	-
Net Income	1.63B	1.87B	2B	2.31B	2.29B
Corporate and Institutional - RMB Corporate Banking	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
CAPEX	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	-	-	-	-	-
Retail and Commercial - FNB Commercial	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
CAPEX	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	-	-	-	-	-
Retail and Commercial - FNB Retail	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
CAPEX	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	-	-	-	-	-
Investment Banking
Corporate and Institutional - RMB	21.68B	25.51B	26.11B	27.74B	32.55B
Total Assets	622B	721B	726B	808B	853B
Income Tax Expense	3.25B	3.28B	3.67B	4.17B	4.79B
CAPEX	-	-	-	-	-346M
EBT	10.16B	12.11B	11.32B	12.14B	15.68B
D&A	290M	253M	232M	298M	243M
Net Income	8.36B	9.36B	10.01B	11.04B	12.76B
Corporate and Institutional - RMB Investment Banking	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Total Assets	-	-	-	-	-
CAPEX	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	-	-	-	-	-
Investment Funds
Centre (Including Group Treasury) and Other	883M	666M	3.01B	3.35B	5.17B
Total Assets	361B	386B	408B	459B	508B
Income Tax Expense	-858M	-1.47B	-2.91B	-2.66B	-1.83B
CAPEX	-	-	-	-	-250M
EBT	728M	428M	-678M	1.94B	4.19B
D&A	477M	511M	699M	52M	51M
Operating Income	-	-	-	-	-
Net Income	1.08B	1.44B	1.73B	3.9B	5.54B
Unallocated Normalised Adjustments	-89M	-235M	558M	113M	18M
Total Assets	-76M	2.76B	2.52B	2.23B	6.02B
Income Tax Expense	66M	3M	31M	63M	-2.32B
EBT	166M	-344M	232M	100M	-8.37B
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	85M	-353M	205M	36M	-12.66B
Credit Agencies
Aldermore	10.25B	12.18B	14.4B	13.8B	-
Total Assets	371B	477B	472B	514B	-
Income Tax Expense	939M	1.1B	1.59B	1.23B	-
CAPEX	-	-	-	-	-
EBT	4.11B	4.76B	5.96B	4.52B	-
D&A	228M	206M	263M	199M	-
Operating Income	-	-	-	-	-
Net Income	3.2B	3.67B	4.37B	3.31B	-
Total Assets	-	-	-	-	509B
Net Income	-	-	-	-	3.95B

Geographical breakdown of sales (ZAR)

Fiscal Period: June	2022	2023	2024	2025	2026
South Africa	82.99B	91.61B	95.24B	101B	47.9B
Total Assets	29.84B	33.26B	36.25B	37.69B	45.19B
Broader Africa	12.97B	15.38B	17.27B	18.11B	7.68B
Total Assets	2.52B	2.76B	2.88B	2.99B	3.03B
United Kingdom	11.11B	13.27B	16.24B	15.85B	564M
Total Assets	8.31B	9.27B	8.44B	8.9B	151M
Other	469M	538M	650M	736M	18M
Total Assets	1M	3M	3M	124M	143M
Total Assets	-	-	-	-	-
Total Assets	-	-	-	-	-
Total Assets	-	-	-	-	-
Total Assets	-	-	-	-	-
Total Assets	-	-	-	-	-