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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Nedbank Group Limited (NED) investor relations material
Nedbank Group Limited H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary5 Aug, 2025
Executive summary
Headline earnings rose 6% year-over-year to R8.4bn, with diluted HEPS up 7% and ROE improving to 15.2% for H1 2025, slightly ahead of guidance, driven by NIR, associate income, and lower impairments.
Strategic restructuring completed, creating new clusters (PPB & BCB) effective July 2025, enhancing client centricity and execution.
ETI investment reclassified as non-current asset held for sale, with a formal disposal plan approved and future earnings to be recognised at fair value.
Total comprehensive income rose 26%, supporting a 6% increase in interim dividend to 1,028 cents per share.
Digital sales reached 70% of total, with double-digit growth in digital volumes and values, and client base gains in key segments.
Financial highlights
Net interest income increased 2% year-over-year to R21.2bn, while non-interest revenue grew 6% to R15.2bn and expenses rose 9%.
Credit loss ratio improved to 81 bps (down from 104 bps), now within the 60–100 bps target range.
Gross banking advances grew 6% to R969bn, with deposits up 10% to R1,232bn year-over-year.
CET1 ratio at 13.1%, above the board target range, with LCR at 127% and NSFR at 118%, exceeding regulatory minimums.
Basic EPS decreased 8% due to an impairment loss from ETI's Q2 unrealized FX gains.
Outlook and guidance
2025 DHEPS growth now expected in low single digits; ROE forecast to end the year around 15%, with a medium-term target of 17% and long-term above 18%.
NII growth expected in low to mid single digits; NIM to contract further due to asset mix and endowment effects.
No ETI-related associate income expected in H2 2025 and beyond.
2025 GDP growth forecast for South Africa revised down to 1%, with moderate improvement expected by 2027.
Dividend payout ratio to remain at the top end of the range, with continued focus on capital optimization and M&A.
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Next Nedbank Group Limited earnings date
H2 20253 Mar, 2026
Next Nedbank Group Limited earnings date
H2 20253 Mar, 2026
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Frequently asked questions
Nedbank Group Limited is a financial institution in South Africa and one of the country's four largest banks. As a bank holding company, its principal subsidiary is Nedbank Limited. Nedbank Group offers a comprehensive range of financial services, including wholesale and retail banking services, insurance, asset management, and wealth management. The group serves its customers through domestic outlets and branches, alongside a network of ATMs, facilitating wide-reaching access to banking and financial services across the region. The company is headquartered in Johannesburg, South Africa, and its shares are listed on the JSE.
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