Shareholders
CAPITAL ADEQUACY
| Basel II basis, including unappropriated profits | Core Tier 1 | Tier 1 | Total | |
| 31 December 2008 | ||||
| Capital adequacy regulatory capital (Rm) | 28 935 | 33 966 | 44 119 | |
| Group capital adequacy (%) | 8,2 | 9,6 | 12,4 | |
| 31 December 2007 (pro forma Basel II) | ||||
| Capital adequacy regulatory capital (Rm) | 24 008 | 27 429 | 38 239 | |
| Group capital adequacy (%) | 7,2 | 8,2 | 11,4 |
