Borrowings (Tables)

12 Months Ended

Jun. 30, 2024

Borrowings [Abstract]

Summary Of Short-Term Credit Facilities

RMB

RMB

RMB

Nedbank

Facility E

Indirect

Connect

Facilities

Total

Short-term facilities available as of June

30, 2024

$

49,503

$

7,425

$

11,276

$

8,611

$

76,815

Overdraft 

-

-

11,276

-

11,276

Overdraft restricted as to use for ATM

funding only

49,503

-

-

-

49,503

Indirect and derivative facilities 

-

7,425

-

8,611

16,036

Movement in utilized overdraft facilities: 

Balance as of June 30, 2022

51,338

-

14,880

-

66,218

Utilized 

501,603

-

18,462

-

520,065

Repaid

(524,766)

-

(22,505)

-

(547,271)

Foreign currency adjustment

(1)

(5,154)

-

(1,812)

-

(6,966)

Balance as of June 30, 2023

23,021

-

9,025

-

32,046

Restricted as to use for ATM

funding only

23,021

-

-

-

23,021

No restrictions as to use 

-

-

9,025

-

9,025

Utilized 

182,988

-

2

-

182,990

Repaid

(199,640)

-

(2)

-

(199,642)

Foreign currency adjustment

(1)

368

-

326

-

694

Balance as of June 30, 2024

6,737

-

9,351

-

16,088

Restricted as to use for ATM

funding only

6,737

-

-

-

6,737

No restrictions as to use 

-

-

9,351

-

9,351

Interest rate as of June 30, 2024 (%)

(2)

11.75

-

11.65

-

Movement in utilized indirect and

derivative facilities:

Balance as of June 30, 2022

-

313

-

5,654

5,967

Utilized 

-

1,561

-

-

1,561

Guarantees cancelled

(3)

-

-

-

(5,017)

(5,017)

Foreign currency adjustment

(1)

-

(117)

-

(525)

(642)

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

(1) Represents the effects of the fluctuations between the ZAR and the U.S. dollar.

(2) Facility E interest set at prime and the Connect facility at prime less

0.10

%.

(3) Represents the cancellation of the guarantee with supplier amounting to ZAR

90

 million ($

5.0

 million) which is no longer

required due the reduction in the volume and value of transactions processed.

Summary Of Long-Term Borrowings

Facilities

G & H

A&B

CCC/ K2020

Asset backed

Total

Opening balance as of June 30, 2022

$

63,354

$

64,472

$

8,346

$

5,474

$

141,646

Facilities utilized

-

10,947

7,377

6,031

24,355

Facilities repaid

(10,543)

(2,151)

(2,149)

(2,669)

(17,512)

Non-refundable fees paid

(500)

-

(100)

-

(600)

Non-refundable fees amortized

762

57

44

-

863

Capitalized interest

5,078

-

-

-

5,078

Capitalized interest repaid

(514)

-

-

-

(514)

Foreign currency adjustment

(1)

(8,672)

(8,889)

(1,716)

(921)

(20,198)

Included in current

-

-

-

3,663

3,663

Included in long-term

48,965

64,436

11,802

4,252

129,455

Opening balance as of June 30, 2023

48,965

64,436

11,802

7,915

133,118

Facilities utilized

16,445

-

2,915

4,368

23,728

Facilities repaid

(12,515)

-

(3,353)

(4,205)

(20,073)

Non-refundable fees paid

-

-

-

-

-

Non-refundable fees amortized

351

48

48

-

447

Capitalized interest

7,214

-

-

-

7,214

Capitalized interest repaid

(6,109)

-

-

-

(6,109)

Foreign currency adjustment

(1)

1,800

2,331

429

301

4,861

Closing balance as of June 30, 2024

56,151

66,815

11,841

8,379

143,186

Included in current

-

-

-

3,878

3,878

Included in long-term

56,151

66,815

11,841

4,501

139,308

Unamortized fees

(260)

(180)

(20)

-

(460)

Due within 2 years

56,411

3,438

-

3,023

62,872

Due within 3 years

-

7,563

11,861

1,108

20,532

Due within 4 years

-

55,994

-

259

56,253

Due within 5 years

$

-

$

-

$

-

$

111

$

111

Interest rates as of June 30, 2024 (%):

13.10

12.10

12.70

12.50

Base rate (%)

8.35

8.35

11.75

11.75

Margin (%)

4.75

3.75

0.95

0.75

Footnote number

(2)(3)(4)

(5)

(6)

(7)

(

1) Represents the effects of the fluctuations between the ZAR and the U.S. dollar.

(2) 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).

(3) 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).

(4) 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.

(5) Interest on Facility A and Facility B is calculated based on JIBAR plus a margin, of

3.75

%, in effect from time to time.

(6) Interest is charged at prime plus

0.95

% per annum on the utilized balance.

(7) Interest is charged at prime plus

0.75

% per annum on the utilized balance.