FirstRand contributes positively to socio economic development by empowering employees through the payment of salaries and wages; by paying dividends to the providers of capital; by supporting regulatory capacities through paying taxes; by providing claims and benefits to policyholders; and by extending the provision of financial services through expanding and improving the Group’s operations.

	2009			2008
	R million		%	R million	%
Value added
Net interest income earned by FirstRand Banking Group	9 610		20.1	12 034	16.9
Net premium income and fees earned by Momentum	40 067		83.7	47 857	67.2
Net income earned by Discovery	–		–	234	0.3
Net (loss)/profit by FirstRand Limited	(295)		(0.6)	100	0.2
Value added by Group	49 382		103.2	60 225	84.6
Non operating income	11 366		23.8	22 977	32.3
Non operating expenditure	(12 897)		(27.0)	(12 020)	(16.9)
Value added by Group	47 851		100.0	71 182	100.0
To employees
Salaries, wages and other benefits	13 023		27.2	12 594	17.7
To providers of capital
Dividends to shareholders	4 228		8.8	4 932	6.9
To government	3 710		7.8	3 862	5.4
Normal tax	2 993			3 105
Value added tax	646			504
Regional services levy	–			1
Capital gains tax	59			315
Other	12			(63)
To policyholders
Policyholder claims and benefits	24 366		50.9	42 255	59.4
Insurance contracts	5 939			5 530
Investment contracts	24 952			36 024
Adjustment to liabilities under investment      and insurance contracts	(6 525)			701
To expansion and growth	2 524		5.3	7 539	10.6
Retained income	2 737			6 786
Depreciation	1 369			1 020
Deferred tax	(1 582)			(267)
	47 851		100.0	71 182	100.0