FirstRand Bank Cash Flow Statement

Financials in millions ZAR. Fiscal year is July - June.

Millions ZAR. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021	2020 - 2016
Net Income	29,129	26,321	25,851	25,477	19,820	Upgrade
Depreciation & Amortization	3,601	3,483	3,305	3,280	3,600	Upgrade
Other Amortization	270	166	93	181	211	Upgrade
Gain (Loss) on Sale of Assets	-242	60	-88	-	-	Upgrade
Gain (Loss) on Sale of Investments	8	175	4	-	-	Upgrade
Total Asset Writedown	163	116	174	-	-	Upgrade
Provision for Credit Losses	14,268	14,066	10,622	-	-	Upgrade
Change in Other Net Operating Assets	-133,846	-85,595	-159,393	-94,679	-66,850	Upgrade
Other Operating Activities	556	1,565	-741	-14,139	6,827	Upgrade
Operating Cash Flow	-85,688	-39,643	-120,173	-79,880	-36,392	Upgrade
Capital Expenditures	-4,593	-5,694	-3,971	-2,811	-2,822	Upgrade
Sale of Property, Plant and Equipment	1,371	900	449	600	529	Upgrade
Purchase / Sale of Intangibles	-409	-538	-368	-355	-309	Upgrade
Investing Cash Flow	-3,631	-5,332	-3,890	-2,566	-2,602	Upgrade
Long-Term Debt Issued	4,132	2,199	9,216	2,747	3,321	Upgrade
Long-Term Debt Repaid	-1,251	-3,150	-17,705	-2,427	-5,847	Upgrade
Net Debt Issued (Repaid)	2,881	-951	-8,489	320	-2,526	Upgrade
Issuance of Common Stock	6,839	7,090	2,804	-	1,400	Upgrade
Repurchase of Common Stock	-3,461	-2,265	-	-	-	Upgrade
Common Dividends Paid	-18,075	-18,181	-28,247	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	127,899	67,181	167,751	86,882	40,321	Upgrade
Financing Cash Flow	116,083	52,874	133,819	87,202	39,195	Upgrade
Foreign Exchange Rate Adjustments	-12	66	-235	223	-336	Upgrade
Net Cash Flow	26,752	7,965	9,521	4,979	-135	Upgrade
Free Cash Flow	-90,281	-45,337	-124,144	-82,691	-39,214	Upgrade
Free Cash Flow Margin	-92.86%	-48.95%	-141.50%	-101.27%	-54.03%	Upgrade
Free Cash Flow Per Share	-48360.43	-24285.48	-66499.68	-44294.73	-21005.59	Upgrade
Cash Interest Paid	87,254	84,546	63,033	32,531	30,236	Upgrade
Cash Income Tax Paid	9,237	8,716	9,323	10,614	6,840	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.