Unaudited Interim Results
for the six months ended 30 September 2008

Segmental report

           
    Risk Financial    
  Retail Services Services Total  
  Rm Rm Rm Rm  
Primary segments Unaudited Unaudited Unaudited Unaudited  
For six months ended 30 September 2008:          
Revenue 1 019.7 295.7 488.0 1 803.4  
Operating profit 123.8 107.2 180.0 411.0  
Operating margin % 12.1% 36.3% 36.9% 22.8%  
Total assets 456.0 729.6 2 863.4 4 049.0  
Total liabilities 235.4 166.1 859.6 1 261.1  
For six months ended 30 September 2007:          
Revenue 1 017.6 249.7 450.3 1 717.6  
Operating profit 140.4 77.3 204.9 422.6  
Operating margin % 13.8% 31.0% 45.5% 24.6%  
Total assets 483.2 698.2 2 472.9 3 654.3  
Total liabilities 220.6 152.1 770.4 1 143.1  
           
    South Africa BLNS* Total  
    Rm Rm Rm  
Geographical   Unaudited Unaudited Unaudited  
For six months ended 30 September 2008:          
Revenue   1 589.9 213.5 1 803.4  
For six months ended 30 September 2007:          
Revenue   1 534.5 183.1 1 717.6  
* Botswana, Lesotho, Namibia and Swaziland
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