Mohamed Shameel Joosub
CEO & Executive Director

Good afternoon, and good morning to those joining the call in the U.S. Welcome to the highlights call for our year ended 31st of March 2026. I'm joined by our Group CFO, Raisibe Morathi, as well as our Head of Investor Relations, JP Davids.

We trust that you enjoyed our video presentation that we screened before this call. The video is available on our website and covers our purpose-led strategy, Core Vision 2030 and the performance against our strategic ambitions. For those not able to watch our presentation, I'll take you through some of the key highlights. We'll then move into a Q&A session.

We had a great financial year which showcased our geographical and product diversification and growth potential. We delivered on our double-digit EBITDA growth target, setting up an excellent year for shareholder returns. Our full year dividend totaled ZAR 7.35 per share, up 18.5%. Return on capital employed expanded 4 percentage points to 27.5% as we executed on our efficiency and sharing agenda to improve returns.

We delivered hard currency net income growth of 21.3% in euros. A strong commercial performance also helped us deliver the shareholder outcomes. Customers were up 12.3% to 237 million. This positioned us to upgrade our Vision 2030 customer target to 275 million from 260 million. Our Financial Services business, which is the leader on the African continent continues to grow from stand to strength.

We upgraded our Vision 2030 target to 130 million financial service customers, having reached 103 million during the year. We see Financial Services a