26 firstrand group sizwe nxasana ceo banking 27 the produced excellent results for year benefiting from strong performances rmb fnb and wesbank 28 operational review executive committee 48 mcom ca sa paul harris 56 limited johan burger 47 bcom hons cfo michael jordaan 38 economics phd supervision first national bank theunie lategan 49 dcom advanced diploma africa emerging markets zweli manyathi 44 financial management unisa branch yatin narsai 40 bsc smart solutions public sector cio pfaff mba rand merchant zelda roscherr 39 maths treasurer ronnie watson 59 amp harvard 29 annual report 06 commentary are on a pre ifrs basis 2006 2005 change income before tax r million 5 060 4 147 22 advances 140 111 107 201 31 total deposits 142 038 118 517 20 cost to ratio 64 2 66 7 non performing loans 1
