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v3.25.2

Borrowings (Tables) | 12 Months Ended
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Jun. 30, 2025
Borrowings [Abstract] |
Summary Of Short-Term Credit Facilities | RMB RMB Nedbank RMB RMB RMB GBF Other Facilities Connect Bridge Facility E Total Short-term facilities available as of June 30, 2025 $ 39,475 $ 5,672 $ 8,817 $ - $ - $ - $ 53,964 Overdraft 39,475 - - - - - 39,475 Indirect and derivative facilities - 5,672 8,817 - - - 14,489 Movement in utilized overdraft facilities: Balance as of June 30, 2023 - - - 9,025 - 23,021 32,046 Utilized - - - 2 - 182,988 182,990 Repaid - - - (2) - (199,640) (199,642) Foreign currency adjustment (1) - - - 326 - 368 694 Balance as of June 30, 2024 - - - 9,351 - 6,737 16,088 Restricted as to use for ATM funding only - - - - - 6,737 6,737 No restrictions as to use - - - 9,351 - - 9,351 Utilized 27,917 - - 5,655 41,150 23,894 98,616 Repaid (4,311) - - (14,627) (39,205) (31,028) (89,171) Foreign currency adjustment (1) 863 - - (379) (1,945) 397 (1,064) Balance as of June 30, 2025 24,469 - - - - - 24,469 No restrictions as to use 24,469 - - - - - 24,469 Interest rate as of June 30, 2025 (%) (2) 10.25 Interest rate as of June 30, 2024 (%) (3) 11.65 11.75 Movement in utilized indirect and derivative facilities: Balance as of June 30, 2023 - 1,757 112 - - - 1,869 Foreign currency adjustment (1) - 64 4 - - - 68 Balance as of June 30, 2024 - 1,821 116 - - - 1,937 Foreign currency adjustment (1) - 43 3 - - - 46 Balance as of June 30, 2025 $ - $ 1,864 $ 119 $ - $ - $ - $ 1,983 (1) Represents the effects of the fluctuations between the ZAR and the U.S. dollar. (2) RMB GBF interest is set at prime less 0.50 %. (3) Facility E interest set at prime and the Connect facility at prime less 0.10 %.
Summary Of Long-Term Borrowings | Facilities Lesaka A Lesaka B Asset backed CCC (6) Lesaka G & H Connect A&B Total Opening balance as of June 30, 2023 $ - $ - $ 7,915 $ 11,802 $ 48,965 $ 64,436 $ 133,118 Facilities utilized - - 4,368 2,915 16,445 - 23,728 Facilities repaid - - (4,205) (3,353) (12,515) - (20,073) Non-refundable fees paid - - - - - - - Non-refundable fees amortized - - - 48 351 48 447 Capitalized interest - - - - 7,214 - 7,214 Capitalized interest repaid - - - - (6,109) - (6,109) Foreign currency adjustment (1) - - 301 429 1,800 2,331 4,861 Included in current - - 3,878 11,841 - - 15,719 Included in long-term - - 4,501 - 56,151 66,815 127,467 Opening balance as of June 30, 2024 - - 8,379 11,841 56,151 66,815 143,186 Facilities utilized 116,652 54,112 3,184 5,091 11,022 - 190,061 Facilities repaid - - (4,513) (554) (60,245) (65,910) (131,222) Non-refundable fees paid 970 - - - - - 970 Non-refundable fees amortized 248 - - 21 116 32 417 Capitalized interest - - - - 5,033 - 5,033 Capitalized interest repaid - - - - (11,077) - (11,077) Foreign currency adjustment (1) 2,505 2,209 129 495 (1,000) (937) 3,401 Closing balance as of June 30, 2025 120,375 56,321 7,179 16,894 - - 200,769 Included in current - 8,448 3,508 - - - 11,956 Included in long-term 120,375 47,873 3,671 16,894 - - 188,813 Unamortized fees (1,038) - - - - - (1,038) Due within 2 years - 11,265 2,269 - - - 13,534 Due within 3 years - 16,896 1,015 - - - 17,911 Due within 4 years 121,413 19,712 379 16,894 - - 158,398 Due within 5 years $ - $ - $ 8 $ - $ - $ - $ 8 Interest rates as of June 30, 2025 (%): 10.54 10.44 11.50 11.70 - - Base rate (%) 7.29 7.29 10.75 10.75 - - Margin (%) 3.25 3.15 0.75 0.95 - - Footnote number (2) (3) (4) (5) Interest rates as of June 30, 2024 (%): - - 12.50 12.70 13.10 12.10 Base rate (%) - - 11.75 11.75 8.35 8.35 Margin (%) - - 0.75 0.95 4.75 3.75 Footnote number (4) (5) (7)(8)(9) (10) (1) Represents the effects of the fluctuations between the ZAR and the U.S. dollar. (2) Interest on Facility A and Facility B is based on the JIBAR in effect from time to time plus an initial margin of 3.25 % per annum until June 30, 2025. From July 1, 2025, the margin on Facility A will be determined with reference to the Net Debt to EBITDA Ratio, and the margin will be either (i) 3.25 %, if the Net Debt to EBITDA Ratio is greater than or equal to 2.5 times; or (ii) 2.5 %, if the Net Debt to EBITDA Ratio is less than 2.5 times. (3) Interest on Facility B is calculated based on JIBAR from time to time plus an initial margin of 3.15 % per annum until June 30, 2025. From July 1, 2025, the margin on Facility B will be determined with reference to the Net Debt to EBITDA Ratio, and the margin will be either (i) 3.15 %, if the Net Debt to EBITDA Ratio is greater than or equal to 2.5 times; or (ii) 2.4 %, if the Net Debt to EBITDA Ratio is less than 2.5 times. 12. BORROWINGS (continued) Movement in long-term borrowings (continued) (4) Interest is charged at prime plus 0.75 % per annum on the utilized balance. (5) Interest is charged at prime plus 0.95 % per annum on the utilized balance. (6) Amounts presented as of June 30, 2024, have been revised, refer to Note 1 for additional information. The amount as of June 30, 2024, was incorrectly classified as long-term borrowings, instead of as current portion of long-term borrowings. (7) Prior to the amendment in March 2023, interest on Facility G was calculated based on the 3-month JIBAR in effect from time to time plus a margin of (i) 3.00 % per annum until January 13, 2023; and then (ii) from January 14, 2023, (x) 2.50 % per annum if the Facility G balance outstanding is less than or equal to ZAR 250.0 million, or (y) 3.00 % per annum if the Facility G balance is between ZAR 250.0 million to ZAR 450.0 million, or (z) 3.50 % per annum if the Facility G balance is greater than ZAR 450.0 million. The interest rate shall increase by a further 2.00 % per annum in the event of default (as defined in the Loan Documents). (8) Prior to the amendment in March 2023, interest on Facility H is calculated based on JIBAR in effect from time to time plus a margin of 2.00 % per annum which increases by a further 2.00 % per annum in the event of default (as defined in the Loan Documents). (9) Interest on Facility G and Facility H was calculated based on the 3-month JIBAR in effect from time to time plus a margin of, from January 1, 2023 to September 30, 2023: (i) 5.50 % for as long as the aggregate balance under the Facilities is greater than ZAR 800 million; (ii) 4.25 % if the aggregate balance under the Facilities is equal to or less than ZAR 800 million, but greater than ZAR 350 million; or (iii) 2.50 % if the aggregate balance under the Facilities is less than ZAR 350 million. From October 1, 2023, interest is calculated as described above. (10) Interest on Facility A and Facility B is calculated based on JIBAR plus a margin, of 3.75 %, in effect from time to time.

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