R million Notes   2009   Restated  
2008  
Continuing operations      
Interest and similar income 1   60 516   54 993  
Interest expense and similar charges 1   (34 526)  (31 830) 
Net interest income before impairment of advances   25 990   23 163  
Impairment of advances 14   (8 024)  (5 064) 
Net interest income after impairment of advances   17 966   18 099  
Non interest income 2   10 649   22 490  
Net insurance premium income 3   6 464   5 374  
Net claims and benefits paid 4   (5 939)  (5 530) 
Decrease/(increase) in value of policyholder liabilities 5   6 525   (701) 
Income from operations   35 665   39 732  
Operating expenses  7   (27 933)  (26 192) 
Net income from operations   7 732   13 540  
Share of profit from associates and joint ventures 18   1 590   1 662  
Profit before tax   9 322   15 202  
Tax 8   (1 484)  (3 037) 
Profit for the year from continuing operations   7 838   12 165  
Discontinued operations      
Profit attributable to discontinued operations 53   –   868  
Profit for the year   7 838   13 033  
Attributable to:      
Non cumulative non redeemable preference shareholders   464   409  
Ordinary shareholders   6 501   11 309  
Equity holders of the Group   6 965   11 718  
Minority interest   873   1 315  
Profit for the year   7 838   13 033  
From continuing operations and discontinued operations      
Earnings per share (cents)      
Basic 9   124.9   218.2  
Diluted 9   124.7   214.1  
From continuing operations      
Earnings per share (cents)      
Basic 9   124.9   204.2  
Diluted 9   124.7   200.3