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v3.25.2

Borrowings (Tables) | 6 Months Ended
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Dec. 31, 2024
Borrowings [Abstract] |
Summary Of Short-Term Credit Facilities | RMB RMB RMB RMB Nedbank Facility E Bridge Indirect Connect Facilities Total Short-term facilities available as of December 31, 2024 $ - $ 48,594 $ 7,170 $ 14,339 $ 8,314 $ 78,417 Overdraft - 48,594 - 14,339 - 62,933 Indirect and derivative facilities - - 7,170 - 8,314 15,484 Movement in utilized overdraft facilities: Restricted as to use for ATM funding only 6,737 - - - - 6,737 No restrictions as to use - - - 9,351 - 9,351 Balance as of June 30, 2024 6,737 - - 9,351 - 16,088 Utilized 23,893 43,200 - 5,655 - 72,748 Repaid (31,028) - - (3,374) - (34,402) Guarantee fee paid - (431) - - - (431) Foreign currency adjustment (1) 398 (2,683) - (566) - (2,851) Balance as of December 31, 2024 - 40,086 - 11,066 - 51,152 No restrictions as to use $ - $ 40,086 $ - $ 11,066 $ - $ 51,152 Interest rate as of December 31, 2024 (%) (2) N/A 13.05 N/A 11.15 N/A Movement in utilized indirect and derivative facilities: Balance as of June 30, 2024 $ - $ - $ 1,821 $ - $ 116 $ 1,937 Foreign currency adjustment (1) - - (63) - (4) (67) Balance as of December 31, 2024 $ - $ - $ 1,758 $ - $ 112 $ 1,870 (1) Represents the effects of the fluctuations between the ZAR and the U.S. dollar. (2) Facility E interest was set at prime, RMB Bridge at prime plus 1.8 % and the Connect facility at prime less 0.10 %.
Summary Of Long-Term Borrowings | Facilities Lesaka RMB G & H Connect RMB A&B CCC RMB (6) Connect Wesbank Asset backed Total Included in current $ - $ - $ 11,841 $ 3,878 $ 15,719 Included in long-term 56,151 66,815 - 4,501 127,467 Opening balance as of June 30, 2024 56,151 66,815 11,841 8,379 143,186 Facilities utilized 11,022 - 559 2,096 13,677 Facilities repaid (3,911) - (554) (2,117) (6,582) Non-refundable fees amortized 88 24 21 - 133 Capitalized interest 3,735 - - - 3,735 Capitalized interest repaid (95) - - - (95) Foreign currency adjustment (1) (2,374) (2,302) (414) (307) (5,397) Closing balance as of December 31, 2024 64,616 64,537 11,453 8,051 148,657 Included in current 64,616 - 11,453 3,684 79,753 Included in long-term - 64,537 - 4,367 68,904 Unamortized fees - (149) - - (149) Due within 2 years - 4,978 - 2,873 7,851 Due within 3 years - 7,634 - 1,119 8,753 Due within 4 years - 52,074 - 333 52,407 Due within 5 years $ - $ - $ - $ 42 $ 42 Interest rates as of December 31, 2024 (%): 12.50 11.50 12.15 12.00 Base rate (%) 7.75 7.75 11.25 11.25 Margin (%) 4.75 3.75 0.90 0.75 Footnote number (2) (3) (4) (5) (1) Represents the effects of the fluctuations between the ZAR and the U.S. dollar. (2) Interest on Facility G and Facility H is based on the JIBAR in effect from time to time plus a margin, which margin is calculated as: (i) 5.50 % if the Look Through Leverage (“LTL”) ratio is greater than 3.50x; (ii) 4.75 % if the LTL ratio is less than 3.50x but greater than 2.75x; (iii) 3.75 % if the LTL ratio is less than 2.75x but greater than 1.75x; or (iv) 2.50 % if the LTL ratio is less than 1.75x. The LTL ratio is expressed as times (“x”), and was introduced to calculate the margin used in the determination of the interest rate. The LTL ratio is calculated as the Total Attributable Net Debt to the Total Attributable EBITDA, as defined in the Company’s borrowing arrangements with RMB, for the measurement period ending on a specified date. (3) Interest on Facility A and Facility B is calculated based on JIBAR plus a margin, which margin is calculated as (i) 4.00 % if the Leverage Ratio (“LR”) is greater than 3.50x; (ii) 3.75 % if the LR is less than 3.50x but greater than 2.50x; (iii) 3.40 % if the LTL ratio is less than 2.50x. (4) Interest is charged at prime plus 0.90 % per annum on the utilized balance. (5) Interest is charged at prime plus 0.75 % per annum on the utilized balance. (6) Amounts presented as of June 30, 2024, and as of December 31, 2024, have been revised, refer to Note 1 for additional information. The amounts as of June 30, 2024, and as of December 31, 2024, were incorrectly classified as long-term borrowings, instead of as current portion of long-term borrowings.

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