Diluted HEPS 140.6cps (-0.8% y-y).
Revenue decreased by -0.3% y-y to R1.7bn. Group saw strong performance in Weaver FinTech which saw revenue increase by 29.2% y-y to R872m.
Retail GPM down to 43.6% (1H22: 48.3%)
Expense growth +1.2% y-y with expense to sales ratio up from 64.2% to 65.3%.
OPM improved to 16.3% (1H22: 13.0%).
Dividend of 70.0cps (1H22: 64.0cps).
Gross debt up to R1.9bn (1H22: R1.4bn) with net cash falling to R170m (1H22: R192m).
Group customer base up to 1.7m in the 6-month period, disbursing R2.4bn in loans and delivering a Buy Now Pay Later Gross Merchant Value of R0.5bn.
More than 81% of the group’s transactions took place using digital channels, with on average 1.3m digital users per month.