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Unaudited consolidated interim results and ordinary share dividend declaration
Absa Group Limited
Registration number: 1986/003934/06
Incorporated in the Republic of South Africa
JSE share code: ABG, ISIN: ZAE000255915
Bond Issuer Code: ABGI ("Absa Group", "Group" or "Company")
Unaudited consolidated interim results and ordinary share dividend declaration for the reporting period ended 30 June 2025
Empowering Africa's tomorrow, together... one story at a time
Absa is a purpose-driven, pan-African financial services group. Guided by our purpose, we provide trusted, innovative financial solutions to over 12 million
customers through a model built on trust, innovation, and impact. Our ambition is to be a leading pan-African bank that creates value by enabling inclusive growth,
building financial resilience, and driving sustainable development across the continent.
We have a robust presence across 16 countries, with a primary listing on the Johannesburg Stock Exchange and a secondary listing on A2X. Our pan-African
footprint extends to banks(1) in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda and Zambia.
We have representative offices in Namibia and Nigeria, securities entities in the United Kingdom and the United States of America, a non-banking advisory
subsidiary in China and a technology support service office in the Czech Republic.
1 Banks are wholly owned, apart from the following where we hold majority stakes: Botswana 67.8%, Kenya 68.5%, Mozambique 98.7%,
National Bank of Commerce Tanzania 55% and Seychelles 99.8%.
16 1 021 6 322 37 272 5.0 million 12.8 million R157.4 bn
countries outlets* ATMs employees digitally active customers active customers market cap
* Includes branches and sales centres.
Performance overview for the period ended 30 June 2025
Total income Return on equity
2025 Change % 2024 2025 Change 2024
R56 487m Increased 5.2% R53 708m 14.8% Increased 14.0%
Headline earnings per ordinary share Cost-to-income ratio
2025 Change % 2024 2025 Change 2024
1 431.6 cents Increased 16.5% 1 228.4 cents 53.2% Increased 52.7%
Basic earnings per share Net interest margin
2025 Change % 2024 2025 Change 2024
1 354.1 cents Increased 14.0% 1 188.0 cents 4.58% Decreased 4.69%
Net asset value per ordinary share Dividend per ordinary share
2025 Change % 2024 2025 Change % 2024
20 048 cents Increased 11.3% 18 014 cents 785 cents Increased 14.6% 685 cents
Loans and deposits growth Risk profile Liquidity coverage ratio Sound capital
Gross loans and advances Deposits Stage 3 loans ratio to Common Equity
(increased 8%) (increased 13%) gross loans and advances Tier 1 ratio
R1 464.8bn R1 578.2bn 5.90% 129.0% 12.5%
(2024: R1 359.0bn) (2024: R1 395.3bn) (2024: 6.14%) (2024: 126.2%) (2024: 12.7%)
Short-form statement
This short-form announcement is the responsibility of the directors of Absa Group Limited. It is only a summary of the information contained in the full financial
results announcement. Any investment decisions by shareholders should be based on the full announcement which is available on
https://www.absa.africa/absaafrica/investor-relations/financial-results/ and on the JSE cloud link:
https://senspdf.jse.co.za/documents/2025/jse/isse/ABGE/HY25Result.pdf
The full interim announcement is available on the Company's website. Copies of the full announcement can also be requested by sending an email to
groupsec@absa.africa.
Registered office
7th Floor, Absa Towers West, 15 Troye Street, Johannesburg, 2001
Board of directors
Independent non-executive directors
R van Wyk (Group Chairman), T Abdool-Samad,
Z Bassa, A Beck(1), J Cummins(1), L Diogo(2),
R Keanly, P Mageza, A Mangale,
N Mjoli-Mncube (Lead Independent Director),
I Rensburg, F Tonelli, S Zilwa
Executive directors
K Fihla (Group Chief Executive Officer)
D Raju (Group Financial Director)
(1) British (2) Mozambican
Declaration of interim ordinary dividend number 76
Shareholders are advised that an ordinary dividend of 785 cents per ordinary share was declared on 18 August 2025, for the interim reporting period ended 30 June
2025. The ordinary dividend is payable to shareholders recorded in the register of members of the Company at the close of business on Friday, 12 September 2025.
The directors of Absa Group Limited confirm that the Group will satisfy the solvency and liquidity test immediately after completion of the dividend distribution,
and for the next 12 months.
The dividend will be subject to local dividends withholding tax at a rate of 20%. In accordance with paragraphs 11.17 (a) (i) to (ix) and 11.17 (c) of the JSE Listings
Requirements, the following additional information is disclosed:
- The dividend has been declared out of income reserves.
- The local dividend tax rate is 20%.
- The gross local dividend amount is 785 cents per ordinary share for shareholders exempt from the dividend tax.
- The net local dividend amount is 628 cents per ordinary share for shareholders liable to pay the dividend tax.
- Absa Group Limited currently has 894 376 907 ordinary shares in issue (includes 65 074 525 treasury shares).
- Absa Group Limited's income tax reference number is 9150116714.
In compliance with the requirements of Strate, the electronic settlement and custody system used by the JSE Limited, the following salient dates for the payment of
the dividend are applicable:
Last day to trade cum dividend Tuesday, 09 September 2025
Shares commence trading ex-dividend Wednesday, 10 September 2025
Record date Friday, 12 September 2025
Payment date Monday, 15 September 2025
Share certificates may not be dematerialised or rematerialised between Wednesday, 10 September 2025 and Friday, 12 September 2025, both dates inclusive.
On Monday, 15 September 2025, the dividend will be electronically transferred to the bank accounts of certificated shareholders. The accounts of those shareholders
who have dematerialised their shares (which are held at their participant or broker) will also be credited on Monday, 15 September 2025.
On behalf of the Board
N R Drutman
Company Secretary
Johannesburg
18 August 2025
Absa Group is a company domiciled in South Africa.
Its registered office is 7th Floor, Absa Towers West,
15 Troye Street, Johannesburg, 2001.
Sponsors
Lead independent sponsor
J. P. Morgan Equities South Africa Proprietary Limited
Joint sponsor
Absa Bank Limited (Corporate and Investment Bank)
www.absa.africa/absaafrica/investor-relations/financial-results/
Date: 18-08-2025 07:10:00
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