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Investor Relations14 Oct 2025
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FirstRand (FSR) investor relations material
FirstRand H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary11 Sep, 2025
Executive summary
Achieved 10% growth in normalized earnings to R41.8bn and ROE of 20.2%, despite a £240 million U.K. Motor Commission provision and challenging macro conditions.
Net asset value increased 11% to R217.4bn, and economic profit rose 12% to R11.5bn.
Delivered strong shareholder outcomes with ordinary dividend per share up 12%.
Strong performance from domestic franchises, with FNB, WesBank, and RMB highlighted for robust earnings and ROE.
Broader Africa portfolio delivered healthy ROE of 23% and economic profits of R1.6bn.
Financial highlights
Net interest income grew 12%, net asset value up 11%, and cost-to-income ratio improved to 50.8%.
Non-interest revenue grew 6%, with fee and commission income up 6% and trading/fair value income up 14%.
Credit loss ratio improved to 85 bps, at the bottom of the through-the-cycle range.
CET1 capital ratio increased to 14%, supported by strong earnings and risk-weighted asset optimization.
Dividend per share increased 12% to 466 cents, with dividend cover at 1.6x–1.7x.
Outlook and guidance
Expectation of further easing in South African monetary conditions and improved inflation certainty.
ROE anticipated to trend to the top end of the 18%-22% target range, with strong operational performance expected to continue.
FY26 expected to deliver high single-digit NII growth, higher NIR growth, and continued cost containment.
Positive jaws expected from top-line growth and cost management.
Ongoing global policy and economic uncertainty, and tough macro conditions in Botswana and Mozambique, remain key risks.
What underpins the UK motor provision amount?
How will corporate bank integration unlock value?
How will Broader Africa portfolio sustain ROE?
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Next FirstRand earnings date
H1 20265 Mar, 2026
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Frequently asked questions
FirstRand Limited is a prominent financial holding company that provides a wide range of banking and related financial services. The company operates through several subsidiaries, offering products such as deposit services, loans, debit and credit cards, insurance solutions, and investment management services. It caters to a diverse clientele, including retail and commercial customers, corporate entities, and wealthy family clients. FirstRand's operations span across South Africa, sub-Saharan Africa, the United Kingdom, and India. Additionally, the company has a significant footprint in the banking sector through its subsidiaries in several African countries and the UK. The company is headquartered in Sandton, South Africa, and its shares are listed on the Johannesburg Stock Exchange.
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