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Summary consolidated results and ordinary share dividend declaration for the reporting period ended 31 December 2025
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")
Summary consolidated results and ordinary share dividend declaration for the reporting period ended 31 December 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 deliver financial solutions to over 13 million customers. 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 banks1 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 1 035 6 240 37 033 5.4 million 13.1 million R214.1bn
countries outlets* ATMs employees digitally active customers active customers market cap
* Includes branches and sales centres.
Performance overview for the period ended 31 December 2025
Total income Return on equity
2025 Change % 2024 2025 Change 2024
R115 697m Increased 5.2% R109 949m 15.0% Increased 14.8%
Headline earnings per ordinary share Cost-to-income ratio
2025 Change % 2024 2025 Change 2024
2 987.0 cents Increased 12.2% 2 662.2 cents 53.8% Increased 53.2%
Basic earnings per share Net interest margin
2025 Change % 2024 2025 Change 2024
2 679.6 cents Increased 3.1% 2 599.2 cents 4.53% Decreased 4.63%
Net asset value per ordinary share Dividend per ordinary share
2025 Change % 2024 2025 Change % 2024
20 802 cents Increased 7.7% 19 311 cents 1 635 cents Increased 12% 1 460 cents
Loans and deposits growth Risk profile Liquidity coverage ratio Sound capital
Gross loans and advances Deposit and debt funding Stage 3 loans ratio to Common Equity
(increased 6.1%) (increased 7.9%) gross loans and advances Tier 1 ratio
R1 488.7bn R1 854.3bn 5.63% 127.4% 12.7%
(2024: R1 402.6bn) (2024: R1 718.2bn) (2024: 6.12%) (2024: 126.7%) (2024: 12.6%)
Short-form statement
This short-form announcement is the responsibility of the directors of Absa Group. It is only a summary of the information contained in the annual consolidated
financial statements. Any investment decisions by shareholders should be based on consideration of the annual consolidated financial statements available
on the following JSE Limited ("JSE") cloudlink: https://senspdf.jse.co.za/documents/2026/jse/isse/ABGE/FY25Result.pdf and the Company's website:
https://www.absa.africa/investor-relations/jse-regulatory-announcements/ as well as the financial results booklet.
While this announcement is not audited, the annual consolidated financial statements from which the results are derived were audited by PwC and KPMG, who
expressed an unmodified opinion thereon. The auditors' unmodified report includes a reportable irregularity, which is no longer taking place, related to a matter
concerning a former non-executive director who failed to disclose information that was relevant to the director's appointment. This director is no longer with the
Group and the matter is now closed.
The full audit opinion is available at the following link https://www.absa.africa/absaafrica/investor-relations/annual-reports/ as part of the Group's full annual
financial statements. Copies of the annual financial statements may also be requested from the Company's registered office by emailing 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)
R Keanly
B Kennedy
P Mageza
A Mangale
N Mjoli-Mncube (Lead independent director)
P Smith(1)
F Tonelli
S Zilwa
Executive directors
K Fihla (Group Chief Executive Officer)
D Raju (Group Financial Director)
(1) British
Declaration of ordinary dividend number 77
Shareholders are advised that a final ordinary dividend of 850 cents per ordinary share was declared on 10 March 2026, for the period ended 31 December 2025.
The ordinary dividend is payable to shareholders recorded in the register of members of the Company at the close of business on Friday, 24 April 2026. The
directors of Absa Group 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 7.23(a) - (k) 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 twenty per cent (20%).
- The gross local dividend amount is 850 cents per ordinary share for shareholders exempt from the dividend tax.
- The net local dividend amount is 680 cents per ordinary share for shareholders liable to pay the dividend tax.
- Absa Group currently has 894 376 907 ordinary shares in issue (includes 65 597 829 treasury shares).
- Absa Group's income tax reference number is 9150116714.
In compliance with the requirements of Strate, the electronic settlement and custody system used by the JSE, the following salient dates for the payment of the
dividend are applicable:
Last day to trade cum dividend Tuesday, 21 April 2026
Shares commence trading ex-dividend Wednesday, 22 April 2026
Record date Friday, 24 April 2026
Payment date Tuesday, 28 April 2026
Share certificates may not be dematerialised or rematerialised between Wednesday, 22 April 2026 and Friday, 24 April 2026, both dates inclusive.
On Tuesday, 28 April 2026, 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 Tuesday, 28 April 2026.
On behalf of the Board
N R Drutman
Group Company Secretary
Johannesburg
10 March 2026
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: 10-03-2026 07:10:00
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