2020  R'000			2019  R'000
3.	Net finance charges
	Finance income		669 296			746 127
		Interest income on banking and other advances	379 753			627 035
		Interest income on bank balances	170 982			69 831
		Interest imputed on post-retirement assets	22 232			20 560
		Interest income on financial instruments held at fair value through other comprehensive income	96 329			28 701
	Finance charges		(1 903 390)			(1 476 941)
		Interest expense on amounts owed to bank depositors	(407 489)			(332 927)
		Interest expense on bank overdrafts	(86 106)			(75 930)
		Interest expense on listed bonds and commercial paper	(358 526)			(273 195)
		Interest expense on financed assets	(1 301)			(4 267)
		Interest on lease liabilities	(436 295)			–
		Interest expense on vehicle lease creditors and floorplan creditors	(53 292)			(65 331)
		Interest expense on other borrowings	(475 064)			(590 545)
		Interest imputed on post-retirement obligations	(5 667)			(6 087)
		Unwinding of discount on puttable non-controlling interest liabilities	(1 796)			(5 013)
		Dividends on preference shares included in borrowings	(131 515)			(149 483)
		Less borrowing costs capitalised to property, plant and equipment**	53 661			25 837
			(1 234 094)			(730 814)
	Less net finance income from banking operations included in operating profit		(195 533)			(193 771)
		Income	(589 043)			(507 975)
		Charges	393 510			314 204
			(1 429 627)			(924 585)

**

The applicable weighted average interest rate is used to determine the amount of borrowing costs eligible for capitalisation.