Diluted HEPS 21.3cps (-18.2% y-y).
Revenue growth +1.2% y-y to R4.3bn.
Expenses grew 5.9%, with expenses to sales up by 218bps to 49.7% compared to 47.5% 1H22.
OPM declined from 11.6% to 10.2%.
Interim dividend postponed due to significant increase in Trade Receivables.
Gross debt fell from R807m to R644m. Net cash also decreased to R155m from R202m in 1H22.
Primary health Insurance book +66% off low base, and Gap Cover book +14%.
Sanlam acquisition still in progress, last steps to completion underway.
