| |
|
|
Group |
| |
|
|
2009 |
2008 |
|
| |
Notes |
|
Rm |
Rm |
|
| Revenue |
|
|
3 807.1 |
3 596.4 |
|
| Merchandise sales |
|
|
1 919.9 |
1 889.7 |
|
| Finance charges earned |
|
|
826.6 |
794.9 |
|
| Insurance premiums earned |
15 |
|
581.4 |
564.2 |
|
| Ancillary services |
|
|
479.2 |
347.6 |
|
| Cost of merchandise sales |
16 |
|
(1 318.3) |
(1 272.1) |
|
| Operating costs |
|
|
(1 648.5) |
(1 393.9) |
|
| Employment costs |
17 |
|
(538.4) |
(504.2) |
|
| Administration and IT |
|
|
(173.1) |
(167.0) |
|
| Debtor costs |
18 |
|
(338.8) |
(190.4) |
|
| Marketing |
|
|
(124.0) |
(107.1) |
|
| Occupancy costs |
|
|
(150.5) |
(135.1) |
|
| Transport and travel |
|
|
(138.8) |
(127.3) |
|
| Depreciation |
|
|
(45.8) |
(40.9) |
|
| Other operating costs |
|
|
(139.1) |
(121.9) |
|
| |
|
|
|
|
|
| Operating profit |
20 |
|
840.3 |
930.4 |
|
| Investment income |
21 |
|
76.9 |
71.7 |
|
| Profit before finance costs |
|
|
917.2 |
1 002.1 |
|
| Net finance costs |
|
|
(86.5) |
(56.8) |
|
| Interest paid |
22.1 |
|
(108.5) |
(68.2) |
|
| Interest received |
22.2 |
|
11.5 |
6.5 |
|
| Forward exchange contracts |
22.3 |
|
10.5 |
4.9 |
|
| |
|
|
|
|
|
| Profit before taxation |
|
|
830.7 |
945.3 |
|
| Taxation |
23 |
|
(263.7) |
(303.0) |
|
| Net profit attributable to ordinary shareholders |
|
|
567.0 |
642.3 |
|
| Earnings per share (cents) |
24 |
|
642.8 |
717.0 |
|
| Diluted earnings per share (cents) |
24 |
|
639.7 |
715.2 |
|
| Dividends paid per share (cents) |
|
|
323.0 |
294.0 |
|
| Dividends declared per share (cents) |
|
|
323.0 |
323.0 |
|
financial statements