R million Notes     2009   Restated  
2008  		  
Cash flows from operating activities          
Cash receipts from customers 36.2     86 572   74 049    
Cash paid to customers, suppliers and employees 36.3     (58 029)  (56 282)   
Dividends received     6 743   4 461    
Dividends paid 36.7     (4 228)  (4 932)   
Dividends paid to minority shareholders      (804)  (692)   
Net cash flows from operating activities 36.1     30 254   16 604    
Increase/(decrease) in income earning assets 36.4     12 721   (68 569)   
(Decrease)/increase in deposits and other liabilities 36.5     (29 537)  66 860    
Net cash flows from operating funds     (16 816)  (1 709)   
Tax paid 36.6     (3 677)  (4 715)   
Net cash inflow from operating activities     9 761   10 180    
Cash flows from investment activities          
Acquisition of property and equipment     (3 038)  (4 056)   
Proceeds from the disposal of property and equipment     293   2 329    
Acquisition of investment properties     (457)  (1 706)   
Proceeds on disposal of investment properties     –   375    
Proceeds on the disposal of investments     552   182    
Acquisition of subsidiaries 36.8     (18)  (1 526)   
Proceeds on disposal of subsidiary 36.8     –   697    
Acquisition of associates and joint ventures 36.8     (2 799)  (3 623)   
Proceeds on the disposal of associates and joint ventures     508   1 439    
Proceeds on sale of advances books     1 768   –    
Acquisition of intangible assets     (1 923)  (678)   
Net cash outflow from investment activities     (5 114)  (6 567)   
Cash flows from financing activities          
(Repayment of)/proceeds from long term liabilities     (906)  3 129    
Net cash (outflow)/inflow from financing activities     (906)  3 129    
Net increase in cash and cash equivalents     3 741   6 742    
Cash and cash equivalents at the beginning of the year 36.9     53 555   46 952    
Cash and cash equivalents at the end of the year     57 296   53 694    
Cash and cash equivalents acquired*     35   139    
Cash and cash equivalents disposed of*     –   (695)   
Effect of exchange rate changes on cash and cash equivalents     (65)  417    
Cash and cash equivalents at the end of the year 36.9     57 266   53 555    
*Cash and cash equivalents sold and bought relate to cash balances held by subsidiaries acquired and sold during the year.