Table of contents

Segment information - 2016 South Africa Sub-Saharan Africa Europe Group
€ € € €
Revenue 9 714 547 26 956 595 2 234 610 38 905 752
Total revenue 9 714 547 26 956 595 2 234 610 38 905 752
Impairment of loans (3 435 618) (3 155 696) (2 516 320) (9 107 634)
Other income 401 841 215 161 40 035 657 037
Total other income 3 181 099 4 688 040 40 035 7 909 174
Internal other income (2 779 258) (4 472 879) - (7 252 137)
Operating expenses (7 037 644) (10 096 466) (1 923 047) (19 057 157)
Total operating expenses (7 574 555) (16 010 007) (1 923 047) (25 507 609)
Internal operating expenses 536 911 5 913 541 - 6 450 452
Operating profit (356 874) 13 919 594 (2 164 722) 11 397 998
Investment revenue 64 713 1 435 025 12 1 499 750
Total investment revenue 391 581 5 028 373 665 736 6 085 690
Internal investment revenue (326 868) (3 593 348) (665 724) (4 585 940)
Finance costs (828 451) (10 499 451) (620 527) (11 948 429)
Total finance costs (1 906 284) (16 310 435) (921 535) (19 138 254)
Internal finance costs 1 077 833 5 810 984 301 008 7 189 825
Profit before taxation (1 120 612) 4 855 168 (2 785 237) 949 319
Taxation (89 835) (1 989 319) 483 502 (1 595 652)
Profit after taxation (1 210 447) 2 865 849 (2 301 735) (646 333)
Depreciation and amortisation (201 014) (542 367) (2 694) (746 075)
Loans to clients 8 257 328 31 674 667 1 268 951 41 200 946
Other assets 4 679 405 29 424 635 13 098 696 47 202 736
Other assets 8 515 257 62 734 832 109 389 314 180 639 403
Internal assets (3 835 852) (33 310 197) (96 290 618) (133 436 667)
Total segment assets 12 936 733 61 099 302 14 367 647 88 403 682
7 704 278 53 499 348 7 710 355 68 913 981
Other liabilities 16 285 559 78 854 0542 14 600 950 109 740 563
Internal liabilities (8 581 281) (25 354 704) (6 890 595) (40 826 580)
Total segment liabilities 7 704 278 53 499 348 7 710 355 68 913 981
Segment information - 2015 South Africa Sub-Saharan Africa Europe Group
€ € € €
Revenue 8 875 081 21 416 555 999 211 31 290 847
Total revenue 8 875 081 21 416 555 1 025 522 31 317 158
Internal revenue - - (26 311) (26 311)
Impairment of loans (4 446 128) (1 748 951) (618 896) (6 813 975)
Other income 266 525 126 122 13 840 406 487
Total other income 2 045 955 3 642 550 13 840 5 702 345
Internal other income (1 779 430) (3 516 428) - (5 295 858)
Operating expenses (6 153 524) (6 444 817) (771 677) (13 370 018)
Total operational expenses (6 153 524) (12 919 486) (796 145) (19 869 155)
Internal operational expenses - 6 474 669 24 468 6 499 137
Operating profit (1 458 046) 13 348 909 (377 522) 11 513 341
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MyBucks Annual Report 2016 138
139 MyBucks Annual Report 2016