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FSR03 FSR04 - Listing of Additional Tier 1 Notes
FIRSTRAND LIMITED
(Incorporated in the Republic of South Africa)
(Registration number: 1966/010753/06)
JSE company code: FSDI
LEI: 529900XYOP8CUZU7R671
Bond code: FSR03 ISIN: ZAG000227521
Bond code: FSR04 ISIN: ZAG000227547
(FirstRand)
LISTING OF ADDITIONAL TIER 1 NOTES
The JSE Limited has granted FirstRand approval for the listings of its FSR03 and FSR04 unsecured Additional Tier 1 notes, in terms of its
domestic medium term note programme (the programme) dated 2 March 2026, effective 18 August 2026.
Debt security code: FSR03
ISIN: ZAG000227521
Type of debt security: Floating rate Additional Tier 1 notes
Nominal issued: R1 000 000 000.00
Coupon rate: Compounded daily ZARONIA (as defined in, and determined in accordance with the
provisions of, schedule 1 of the applicable pricing supplement) plus 195 basis points
Interest determination date(s): The 5th Johannesburg business day (as defined in schedule 1 of the applicable pricing
supplement)
First interest payment date: 18 November 2026
Interest payment date(s): 18 August, 18 November, 18 February and 18 May of each year until the
redemption/maturity date, or if such day is not a business day, the business day on which
interest will be paid, as determined in accordance with the applicable business day
convention (as specified in the applicable pricing supplement)
Last day to register: The register will be closed by 17:00 on 17 August, 17 November, 17 February and 17 May
of each year until redemption/maturity date, or if such day is not a business day, the last
day to register will be no later than one business day before each interest payment date
Summary of additional terms: In addition to the terms and conditions contained in the programme, please refer to
the provisions applicable to the redemption/maturity, the trigger event, the other
provisions and schedule 1 contained in the applicable pricing supplement
Debt security code: FSR04
ISIN: ZAG000227547
Type of debt security: Mixed rate Additional Tier 1 notes
Nominal issued: R990 000 000.00
Coupon rate: 9.45% points for all interest periods commencing from the issue date and ending on but
excluding 18 August 2031 and compounded daily ZARONIA (as defined in, and
determined in accordance with the provisions of, schedule 1 of the applicable pricing
supplement) plus 195 basis points for all interest periods commencing from 31 August
2031 and ending on but excluding the maturity date
Interest determination date(s): From 18 August 2031, the 5th Johannesburg business day (as defined in schedule 1 of the
applicable pricing supplement)
First interest payment date: 18 February 2027
Interest payment date(s): Commencing from the issue date until 18 August 2031, 18 August and 18 February in each
year up to 18 August 2031 and from 18 August 2031 until the redemption/maturity date, 18
August, 18 November, 18 February and 18 May of each year up to and including the
redemption/maturity date of each year until the redemption/maturity date, or if such day is
not a business day, the business day on which interest will be paid, as determined in
accordance with the applicable business day convention (as specified in the applicable
pricing supplement)
Last day to register: Commencing from the issue date until 18 August 2031, the register will be closed by 17:00
on 17 August and 17 February of each year until 18 August 2031 and from 18 August
2031, the register will be closed by 17:00 on 17 August, 17 November, 17 February and 17
May of each year until the redemption/maturity, or if such day is not a business day, the
last day to register will be no later than one business day before each interest payment
date
Summary of additional terms: In addition to the terms and conditions contained in the programme, please refer to
the provisions applicable to the regarding redemption/maturity, the trigger event,
the other provisions and schedule 1 contained in the applicable pricing supplement
THE SECTION BELOW IS APPLICABLE TO THE FSR03 AND FSR04 NOTES ABOVE:
Issue date: 18 August 2026
Issue price: 100%
Interest commencement date: 18 August 2026
Books closed periods: Not applicable
Maturity date: Perpetual, subject to the provisions contained in the applicable pricing supplement
Applicable business day convention: Modified following business day
Final redemption amount: 100% of the nominal value subject to the Additional Tier 1 capital regulations
Programme amount: R150 billion
Total notes in issue under programme: R13 663 million as at the signature date of the applicable pricing supplements
Dealer: RMB, a division of FirstRand Bank Limited
17 August 2026
Debt sponsor
FirstRand Bank Limited
Date: 17/08/2026 08:45:00
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