DashboardFinancials
20-Year Performance Review
Two decades, in numbers.
From FY2005 to FY2025 — the long-arc story of asset growth, profit volatility, disbursement discipline and the development funding that follows.
20Y Asset CAGR
7.2%
R36.6bn → R144.3bn
Peak Profit FY22
R10.7bn
vs FY25: R329m (-95%)
Avg Disbursements
R14.8bn
Recent 5Y average · +2.5% YoY
Cost-to-Income
improving
38.4%
Down from 45.2%
Total Employees
866
FY2025 headcount · flat
Balance Sheet
Total assets — 20Y
FY2005 → FY2025 in R bn
Critical
Profit / (Loss)
Funding Mix
Composition over time
% of total funding base
Development Impact
Disbursements & jobs
Annual deployment vs. jobs supported
Transformation Mandate
Funding trajectory
BB-BEE, women, youth & SMME
FY2025
Transformation
BB-BEE Total (20Y)
On target
R87.3bn
Women-Owned
28%
R4.2bn
Youth-Owned
12%
R1.8bn
SMME Deals
+15% YoY
186
Black ownership92%
Women34%
Youth18%
Audited History
Complete financial record
FY2005 – FY2025 · sourced from annual financial statements
| FY | Total Assets | Group Profit | Disbursements | Status |
|---|---|---|---|---|
| FY2025 | R144.3bn | R0.329bn | R16.3bn | Marginal |
| FY2024 | R156.7bn | R7bn | R15.9bn | Profitable |
| FY2023 | R161.9bn | R10.7bn | R15.9bn | Profitable |
| FY2022 | R174.1bn | R6.3bn | R14.3bn | Profitable |
| FY2021 | R165bn | -R0.04bn | R12.1bn | Loss |
| FY2020 | R161.9bn | -R3.8bn | R8.2bn | Loss |
| FY2015 | R122.3bn | R1.7bn | R8.7bn | Profitable |
| FY2010 | R88.6bn | R2.2bn | R6.3bn | Profitable |
| FY2005 | R36.6bn | R1.8bn | R4.1bn | Profitable |