Diluted HEPS improved from 162.4cps to 198.3cps (+22.1% y-y). Revenue grew by +4.8% y-y (FY20: -6.1% y-y), Financial Services sales up by +32.2% y-y, and retail sales down -4.7% y-y. GPM improved to 72.7% from 69.9%. Expense to sales ratio increased from 61.7% to 64.3%. OPM increased from 8.5% to 8.9%. Dividends of 20cps (LY: nil), dividend cover of 9.9x. Gross debt grew to R1 104mn (LY: R972mn) with cash R203mn (FY20: R415mn).