* Transaction Capital has undeployed capital of R950 million (2018: R650 million). Core return on equity excluding undeployed capital is 21.9% (2018: 22.8%).
Core financial results and ratios exclude once-off costs of R84 million attributable to the group relating to SA Taxi's ownership transaction with
the South African National Taxi Council (SANTACO), which arose in the first half of the 2019 financial year. R81 million of these costs are
non-cash and in accordance with IFRS 2 – Share-based Payment. A further R3 million relates to early debt settlement costs.