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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

Absa

ABG · A2X Markets · Incorporated in South Africa · Consolidated statements

On this page
Company details
Legal name
Absa Group Limited
Incorporated in
South Africa
Listing
ABG on the A2X Markets, active · ISIN ZAE000255915 (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · audited financial statements, final status not established · source

Read with these figures

  • Audited financial statements not confirmed as final. The published copy is unsigned. The FY2025 figures come from it.
Full wording and sources

  • Audited financial statements for 2025: final status not established

    The joint independent auditors' report (unqualified, PDF p8) closes on PDF p12 with the typeset names 'PricewaterhouseCoopers Inc., Director: John Bennett, Chartered Accountant (SA), Registered Auditor' and 'KPMG Inc., Registered Auditor, Riaz Muradmia, Director', each dated 18 March 2026; no handwritten or script signature is shown (page image: name_printed_unsigned). The directors' approval (PDF p2) prints the names R van Wyk (Group Chairman) and K Fihla (Group Chief Executive Officer), Johannesburg, 18 March 2026, also without visible signatures.

    Source: Absa Group Limited Annual consolidated and separate financial statements for the reporting period ended 31 December 2025 (dated 2026-03-18)

  • Net interest income

    ZAR 73.9 billion

    73,941 ZAR millions · p13

    +4.0% vs 2024

    Printed 'Net interest income' (p13).

  • Total income

    ZAR 116 billion

    115,697 ZAR millions · p13

    +5.2% vs 2024

    Printed 'Total income' (p13).

  • Profit / (loss) for the year

    ZAR 25.6 billion

    25,602 ZAR millions · p13

    +2.8% vs 2024

    Printed 'Profit for the reporting period' (p13).

  • Total assets

    ZAR 2.24 trillion

    2,239,479 ZAR millions · p12

    +8.3% vs 2024

    Printed 'Total assets' (p12).

  • Deposits and debt funding

    ZAR 1.85 trillion

    1,854,348 ZAR millions · p12

    +7.9% vs 2024

    Printed 'Deposits and debt funding' (p12); the statement does not print customer deposits separately, so the standard customer-deposits label is not used.

  • Total equity

    ZAR 191 billion

    191,409 ZAR millions · p12

    +4.4% vs 2024

    Printed 'Total equity' (p12).

Large amounts are rounded for reading (ZAR million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in ZAR millions unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — audited financial statements, final status not established; reported for the year · source
  • FY2024 — audited financial statements, final status not established; comparative in the FY2025 filing · source

Income statement

Income statement, ZAR millions. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Net interest income 73,941 71,105
Interest and similar income 161,086 167,856
Effective interest income 158,482 164,957
Other interest income 2,604 2,899
Interest expense and similar charges (87,145) (96,751)
Non-interest income 41,756 38,844
Net fee and commission income 26,752 25,901
Fee and commission income 31,230 29,659
Fee and commission expense (4,478) (3,758)
Insurance service result 2,071 2,131
Insurance revenue 11,678 11,852
Insurance service expenses (9,019) (9,242)
Net expense from reinsurance contracts (588) (479)
Net finance expense from insurance contracts1 (347) (220)
Net finance expense from reinsurance contracts2 (36) –3
Changes in investment contract liabilities4 (2,058) (1,083)
Gains and losses from banking and trading activities5 10,853 8,719
Gains and losses from investment activities6 3,635 2,527
Other operating income 886 869
Total income 115,697 109,949
Credit impairment charges (13,410) (14,304)
Operating income before operating expenditure7 102,287 95,645
Operating expenditure8 (62,235) (58,508)
Other expenses9 (5,686) (4,196)
Other impairments10 (3,157) (914)
Indirect taxation11 (2,529) (2,592)
Loss on net monetary position12 –13 (690)
Share of post-tax results of associates and joint ventures 318 282
Operating profit before income tax 34,684 33,223
Taxation expense (9,082) (8,320)
Profit for the reporting period 25,602 24,903
Non-controlling interest – ordinary shares14 1,995 1,858
Non-controlling interest – preference shares15 342 408
Other equity: Additional Tier 1 capital16 1,051 1,100
Items that will not be reclassified to profit or loss17 13 (219)
Movement on equity instruments designated at fair value through other comprehensive income (FVOCI)18 (3) (36)
Movement on liabilities designated at FVTPL due to changes in own credit risk19 (144) (200)
Movement in retirement benefit fund assets and liabilities20 160 17
Items that are or may be subsequently reclassified to profit or loss21 1,401 5,968
Movement in foreign currency translation reserve22 (3,005) 1,774
Movement in cash flow hedging reserve23 2,388 1,795
Movement in fair value of debt instruments measured at FVOCI24 1,875 2,223
Movement in Insurance finance reserve25 143 176
Total comprehensive income for the reporting period 27,016 30,652
Ordinary equity holders26 24,585 26,395
Non-controlling interest – ordinary shares14 1,038 2,749
Non-controlling interest – preference shares15 342 408
Other equity: Additional Tier 1 capital16 1,051 1,100
  1. Printed “–”, read as nil: subtotal_arithmetic: is.non_interest_income.
  2. Printed “–”, read as nil: subtotal_arithmetic: is.native.co_809cpw7jx2gr.other_expenses.
Notes and alternative reported figures (24)
  1. “Net finance expense from insurance contracts” is an issuer-specific line, not mapped to a shared definition: Note 28.
  2. “Net finance expense from reinsurance contracts” is an issuer-specific line, not mapped to a shared definition: Note 28.
  3. “Changes in investment contract liabilities” is an issuer-specific line, not mapped to a shared definition: Note 19.
  4. “Gains and losses from banking and trading activities” is an issuer-specific line, not mapped to a shared definition: Note 29.
  5. “Gains and losses from investment activities” is an issuer-specific line, not mapped to a shared definition: Note 30.
  6. “Operating income before operating expenditure” is an issuer-specific line, not mapped to a shared definition: Total income after credit impairment charges.
  7. “Operating expenditure” is an issuer-specific line, not mapped to a shared definition: Note 33.
  8. “Other expenses” is an issuer-specific line, not mapped to a shared definition: Printed subtotal of other impairments and indirect taxation.
  9. “Other impairments” is an issuer-specific line, not mapped to a shared definition: Note 34.
  10. “Indirect taxation” is an issuer-specific line, not mapped to a shared definition: Note 35.
  11. “Loss on net monetary position” is an issuer-specific line, not mapped to a shared definition: Hyperinflation (IAS 29).
  12. “Non-controlling interest – ordinary shares” is an issuer-specific line, not mapped to a shared definition: Attribution.
  13. “Non-controlling interest – preference shares” is an issuer-specific line, not mapped to a shared definition: Attribution.
  14. “Other equity: Additional Tier 1 capital” is an issuer-specific line, not mapped to a shared definition: Attribution.
  15. “Items that will not be reclassified to profit or loss” is an issuer-specific line, not mapped to a shared definition: OCI subtotal.
  16. “Movement on equity instruments designated at fair value through other comprehensive income (FVOCI)” is an issuer-specific line, not mapped to a shared definition: OCI, not reclassified.
  17. “Movement on liabilities designated at FVTPL due to changes in own credit risk” is an issuer-specific line, not mapped to a shared definition: OCI, not reclassified.
  18. “Movement in retirement benefit fund assets and liabilities” is an issuer-specific line, not mapped to a shared definition: OCI, not reclassified.
  19. “Items that are or may be subsequently reclassified to profit or loss” is an issuer-specific line, not mapped to a shared definition: OCI subtotal.
  20. “Movement in foreign currency translation reserve” is an issuer-specific line, not mapped to a shared definition: OCI, reclassifiable.
  21. “Movement in cash flow hedging reserve” is an issuer-specific line, not mapped to a shared definition: OCI, reclassifiable.
  22. “Movement in fair value of debt instruments measured at FVOCI” is an issuer-specific line, not mapped to a shared definition: OCI, reclassifiable.
  23. “Movement in Insurance finance reserve” is an issuer-specific line, not mapped to a shared definition: OCI, reclassifiable.
  24. “Ordinary equity holders” is an issuer-specific line, not mapped to a shared definition: Attribution.

Balance sheet

Balance sheet, ZAR millions. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Cash, cash balances and balances with central banks 141,415 124,557
Investment securities 268,530 270,444
Trading portfolio assets 287,136 226,182
Hedging portfolio assets1 709 4,055
Other assets 29,778 23,195
Current tax assets 577 689
Non-current assets held for sale2 3,753 2,111
Loans and advances3 1,438,559 1,349,588
Insurance contract assets 1,229 793
Reinsurance contract assets 525 1,003
Investments linked to investment contracts4 27,218 23,370
Investments in associates and joint ventures 2,929 2,990
Investment property 314 225
Property and equipment 16,055 16,250
Goodwill and intangible assets5 14,455 16,010
Deferred tax assets 6,297 7,233
Total assets 2,239,479 2,068,695
Trading portfolio liabilities6 84,533 66,020
Hedging portfolio liabilities7 3,196 1,258
Other liabilities 38,751 40,291
Provisions 6,818 5,807
Current tax liabilities 1,946 706
Non-current liabilities held for sale8 3,370 1,064
Deposits and debt funding9 1,854,348 1,718,218
Liabilities under investment contracts 27,744 23,547
Insurance contract liabilities 4,324 6,630
Reinsurance contract liabilities 249 312
Subordinated debt10 22,562 21,188
Deferred tax liabilities 229 378
Total liabilities 2,048,070 1,885,419
Share capital 1,657 1,658
Share premium 10,437 10,562
Retained earnings 148,758 139,199
Other reserves11 11,559 8,755
Attributable to ordinary equity holders: 172,411 160,174
Non-controlling interest – ordinary shares12 8,900 8,784
Non-controlling interest – preference shares13 –14 4,644
Other equity: Additional Tier 1 capital15 10,098 9,674
Total equity 191,409 183,276
Total liabilities and equity 2,239,479 2,068,695
  1. Printed “–”, read as nil: subtotal_arithmetic: bs.total_equity.
Notes and alternative reported figures (14)
  1. “Hedging portfolio assets” is an issuer-specific line, not mapped to a shared definition: Note 4: hedging derivatives.
  2. “Non-current assets held for sale” is an issuer-specific line, not mapped to a shared definition: Note 6.
  3. “Loans and advances”: mapping to a shared definition is uncertain. Printed 'Loans and advances' (note 7) includes loans and advances to banks as well as to customers.
  4. “Investments linked to investment contracts” is an issuer-specific line, not mapped to a shared definition: Note 9.
  5. “Goodwill and intangible assets” is an issuer-specific line, not mapped to a shared definition: Note 13: goodwill and intangible assets together.
  6. “Trading portfolio liabilities” is an issuer-specific line, not mapped to a shared definition: Note 15.
  7. “Hedging portfolio liabilities” is an issuer-specific line, not mapped to a shared definition: Note 15: hedging derivatives.
  8. “Non-current liabilities held for sale” is an issuer-specific line, not mapped to a shared definition: Note 6.
  9. “Deposits and debt funding” is an issuer-specific line, not mapped to a shared definition: Note 18: deposits from banks and customers and debt securities in issue.
  10. “Subordinated debt” is an issuer-specific line, not mapped to a shared definition: Note 20 (formerly 'borrowed funds').
  11. “Other reserves” is an issuer-specific line, not mapped to a shared definition: Note 22.
  12. “Non-controlling interest – ordinary shares” is an issuer-specific line, not mapped to a shared definition: Equity.
  13. “Non-controlling interest – preference shares” is an issuer-specific line, not mapped to a shared definition: Note 23.1 (redeemed in 2025).
  14. “Other equity: Additional Tier 1 capital” is an issuer-specific line, not mapped to a shared definition: Note 23.2.

Cash flow

Cash flow, ZAR millions. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Profit before tax1 34,684 33,223
Depreciation and amortisation2 6,039 5,853
Other impairments3 3,157 914
Share of post-tax results of associates and joint ventures4 (318) (282)
Loss on net monetary position5 –6 690
Other non-cash items included in profit before tax7 1,624 1,122
Adjustment of dividends received from investing activities8 (141) (249)
Cash flow from operating activities before changes in operating assets and liabilities9 45,045 41,271
Net increase in operating assets10 (208,683) (139,621)
Net increase in operating liabilities11 220,954 168,586
Income taxes paid (7,230) (7,673)
Net cash generated from operating activities 50,086 62,563
Proceeds from sale of non-current assets held for sale12 1,859 126
Dividends received from investment activities13 625 260
Purchase of property and equipment (3,318) (4,320)
Purchase of investment properties14 (90) (1)
Proceeds from disposal of properties and equipment 674 1,519
Purchase of intangible assets (3,916) (4,832)
Proceeds on the acquisition of business15 –16 4,472
Proceeds from disposal of intangible assets17 174 336
Investments in associates and joint ventures18 –16 (24)
Net cash (utilised in) investing activities (3,992) (2,464)
(Purchase)/Sale of own shares19 (126) 99
Purchase of Group shares in respect of equity settled share-based payment schemes20 (861) (900)
Redemption of preference shares21 (4,598) –22
Issue of Additional Tier 1 capital23 3,009 3,090
Redemption of Additional Tier 1 capital24 (2,585) (1,678)
Proceeds from subordinated debt25 5,045 5,304
Repayment of subordinated debt26 (2,761) (3,120)
Repayment of lease liabilities (1,427) (1,212)
Distributions paid to Tier 1 Capital holders27 (1,051) (1,100)
Dividends paid28 (14,221) (12,644)
Net cash (utilised in) financing activities (19,576) (12,161)
Net increase in cash and cash equivalents 26,518 47,938
Cash and cash equivalents at the beginning of the reporting period 137,797 90,347
Effect of exchange rate movement/hyperinflation on cash and cash equivalents (305) (488)
Cash and cash equivalents at the end of the reporting period 164,010 137,797
  1. Printed “–”, read as nil: subtotal_arithmetic: cf.native.co_809cpw7jx2gr.cf_before_working_capital.
  2. Printed “–”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
  3. Printed “–”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (25)
  1. “Profit before tax” is an issuer-specific line, not mapped to a shared definition: Starting line of operating activities.
  2. “Depreciation and amortisation” is an issuer-specific line, not mapped to a shared definition: Non-cash adjustment (note 33).
  3. “Other impairments” is an issuer-specific line, not mapped to a shared definition: Non-cash adjustment (note 34).
  4. “Share of post-tax results of associates and joint ventures” is an issuer-specific line, not mapped to a shared definition: Non-cash adjustment.
  5. “Loss on net monetary position” is an issuer-specific line, not mapped to a shared definition: Non-cash adjustment.
  6. “Other non-cash items included in profit before tax” is an issuer-specific line, not mapped to a shared definition: Non-cash adjustment.
  7. “Adjustment of dividends received from investing activities” is an issuer-specific line, not mapped to a shared definition: Reclassification to investing.
  8. “Cash flow from operating activities before changes in operating assets and liabilities” is an issuer-specific line, not mapped to a shared definition: Printed subtotal.
  9. “Net increase in operating assets” is an issuer-specific line, not mapped to a shared definition: Note 50.1.
  10. “Net increase in operating liabilities” is an issuer-specific line, not mapped to a shared definition: Note 50.2.
  11. “Proceeds from sale of non-current assets held for sale” is an issuer-specific line, not mapped to a shared definition: Investing activities.
  12. “Dividends received from investment activities” is an issuer-specific line, not mapped to a shared definition: Investing activities.
  13. “Purchase of investment properties” is an issuer-specific line, not mapped to a shared definition: Note 11.
  14. “Proceeds on the acquisition of business” is an issuer-specific line, not mapped to a shared definition: Investing activities (2024).
  15. “Proceeds from disposal of intangible assets” is an issuer-specific line, not mapped to a shared definition: Investing activities.
  16. “Investments in associates and joint ventures” is an issuer-specific line, not mapped to a shared definition: Investing activities.
  17. “(Purchase)/Sale of own shares” is an issuer-specific line, not mapped to a shared definition: Financing activities.
  18. “Purchase of Group shares in respect of equity settled share-based payment schemes” is an issuer-specific line, not mapped to a shared definition: Financing activities.
  19. “Redemption of preference shares” is an issuer-specific line, not mapped to a shared definition: Financing activities.
  20. “Issue of Additional Tier 1 capital” is an issuer-specific line, not mapped to a shared definition: Financing activities.
  21. “Redemption of Additional Tier 1 capital” is an issuer-specific line, not mapped to a shared definition: Financing activities.
  22. “Proceeds from subordinated debt” is an issuer-specific line, not mapped to a shared definition: Note 20.
  23. “Repayment of subordinated debt” is an issuer-specific line, not mapped to a shared definition: Note 20.
  24. “Distributions paid to Tier 1 Capital holders” is an issuer-specific line, not mapped to a shared definition: Financing activities.
  25. “Dividends paid” is an issuer-specific line, not mapped to a shared definition: Financing activities (ordinary and preference dividends, including to NCI).

Per share and shares

Per share and shares. Columns: FY2025 — audited financial statements (final status not established), as reported for the year; FY2024 — audited financial statements (final status not established), comparative reported in the audited financial statements for 2025.
Line (as printed) FY2025Audited financial statementsreported for the yearFY2024Audited financial statementscomparative in FY2025 filing
Earnings / (loss) per share (per share)41 26.7962 25.9923
Profit / (loss) attributable to shareholders (ZAR millions)5 22,214 21,537
  1. Printed as 2 679.6 cents; value converted to ZAR at 100 cents = 1 ZAR.
  2. Printed as 2 599.2 cents; value converted to ZAR at 100 cents = 1 ZAR.
Notes and alternative reported figures (3)
  1. “Basic earnings per share (cents)”: mapping to a shared definition is uncertain. Basic earnings per share; diluted is printed separately and differs (2 651.5; 2024: 2 594.8 cents).
  2. Earnings / (loss) per share: printed as “Basic earnings per share (cents)”.
  3. Profit / (loss) attributable to shareholders: printed as “Ordinary equity holders”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

No dividend statement or amount collected.

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Absa Group Limited Annual consolidated and separate financial statements for the reporting period ended 31 December 2025

    Year ended 31 December 2025 · Audited financial statements · final status not established

    Audit: PricewaterhouseCoopers Inc. (John Bennett) and KPMG Inc. (Riaz Muradmia), joint auditors, unmodified opinion

    Auditor's sign-off: PricewaterhouseCoopers Inc. (Director: John Bennett); KPMG Inc. (Director: Riaz Muradmia) — names typeset

    Final status: The joint independent auditors' report (unqualified, PDF p8) closes on PDF p12 with the typeset names 'PricewaterhouseCoopers Inc., Director: John Bennett, Chartered Accountant (SA), Registered Auditor' and 'KPMG Inc., Registered Auditor, Riaz Muradmia, Director', each dated 18 March 2026; no handwritten or script signature is shown (page image: name_printed_unsigned). The directors' approval (PDF p2) prints the names R van Wyk (Group Chairman) and K Fihla (Group Chief Executive Officer), Johannesburg, 18 March 2026, also without visible signatures.

    Document date
    18 Mar 2026
    Auditor's report
    18 Mar 2026
    Board approval
    18 Mar 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025, FY2024
    Basis
    consolidated statements · ZAR millions (printed “Rm”)
    • Key audit matters: expected credit losses on loans and advances to customers at amortised cost; valuation of complex financial instruments held at fair value (PDF pp9-11).
    • Reportable irregularity: the auditors identified a suspected reportable irregularity under sections 44(2) and 44(3) of the Auditing Profession Act, reported it to the IRBA, and state it is no longer ongoing; described in note 60 (consolidated) and note 22 (separate) (PDF p12).
    • Other matter: 'The previously issued consolidated and separate financial statements for the year ended 31 December 2025, issued by the directors and on which we expressed an audit opinion dated 9 March 2026, have been amended and reissued. The amendment relates solely to the inclusion of the table in "Note 52.3 – Segment report per market segment," which was omitted ... due to an administrative error ... Our opinion is given on the revised financial statements and does not extend to the previously issued version.' (PDF p11). This document is the reissued version; note 1.1 still says the statements were 'authorised on 9 March 2026' (PDF p16).
    • Cash and cash equivalents in the statement of cash flows (164 010; 2024: 137 797) differ from 'Cash, cash balances and balances with central banks' (141 415; 2024: 124 557). Note 50 (PDF p81) builds them from mandatory reserve and other central bank balances (106 892), coins and bank notes (12 050), loans and advances to banks (32 075), money market assets (2 171), mobile money balances (3 566) and investment securities (7 256), drawn from notes 2, 3, 5 and 7; no single-line reconciliation to the statement of financial position is printed, so cash continuity is not checked against the statement of financial position.
    • Statement of financial position is unclassified (no current/non-current split). Loss on net monetary position ((690) in 2024; nil in 2025) is printed inside the 'Other expenses' box with other impairments and indirect taxation (PDF p13 image). Other comprehensive income has no printed total: only 'Items that will not be reclassified' (13; 2024: (219)) and 'Items that are or may be subsequently reclassified' (1 401; 2024: 5 968) are printed; their sum equals total comprehensive income less profit (PDF p13). Sub-lines of each OCI movement (fair value movements, deferred tax, releases) are not transcribed.
    • The statement of financial position is restated (columns 'Restated 2024' and '1 January 2024'; note 1.21 reporting changes overview) (PDF p12). 'Borrowed funds' is renamed 'subordinated debt' (PDF p16). The opening (1 January 2024) column is not transcribed.
    Technical details
    File
    147 pages, with a text layer
    SHA-256
    2f291180873fc90cd9c5eab971ac9134c3b45a776f93958fdfea6b21a9911f2d
    Entity as printed
    Absa Group Limited
    Issuer copy
    retrieved 2026-10-08T18:46:25Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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