group salient features

Years ended 30 June



  2009 2008 2007 2006 2005

CONSOLIDATED STATEMENT OF FINANCIAL POSITION

          
Total assets (Rm’s) 3 181 3 016 2 545 2 460 1 772
Total gross loans and advances (Rm’s) 1 867 1 850 1 552 1 223 1 115
Non-performing loans and advances (Rm’s) 149 96 71 64 27
Gross loans and advances growth (%) 1 19 27 10 13

INCOME STATEMENT (Rm’s)

          
Headline earnings 154 156 140 106 85
Earnings attributable to ordinary shareholders 157 156 140 156 85

FINANCIAL PERFORMANCE (%)

          
Return on ordinary shareholders’ average equity 25 28 31 31 34
Return on total average assets 5 6 6 5 5

OPERATING PERFORMANCE (%)

          
Net interest margin on interest-bearing assets 7 7 7 7 8
Non-interest income to total income 75 74 74 77 66
Efficiency ratio 63 61 56 58 61
Non-performing advances to total gross loans and advances 8 5 5 5 2

SHARE STATISTICS (CENTS)

          
Headline earnings per ordinary share 560 576 523 404 326
Earnings per ordinary share 571 576 524 596 328
Diluted earnings per ordinary share 570 572 514 577 316
Diluted headline earnings per ordinary share 559 572 514 391 315
Dividends per ordinary share 220 228 207 161 130
Dividends per preference share 1 072 1 068 909 790 503
Net asset value per ordinary share 2 405 2 204 1 844 1 507 1 075

CAPITAL ADEQUACY (UNAUDITED) (%)

          
Group capital to risk weighted assets 31 28 34 31* 32*
Sasfin Bank Limited and its subsidiaries capital to risk weighted assets 32 22 32 28 26

EMPLOYEES

          
Permanent staff complement 573 542 496 487 435
* Restated          












  2005 2006 2007 2008 2009
Gross advances (R million) 1 115 1 223 1 552 1 850 1 867
Non-performing loans: Advances (%) 2,4 5,2 4,6 5,2 8,0
Credit impairments: Advances (%) 2,3 2,7 2,8 2,5 3,5

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