Borrowings (Tables)

9 Months Ended

Mar. 31, 2025

Borrowings [Abstract]

Summary Of Short-Term Credit Facilities

RMB

RMB

Nedbank

RMB

RMB

RMB

GBF

Other

Facilities

Connect

Bridge

Facility E

Total

Short-term facilities available as of

March 31, 2025

$

38,195

$

5,487

$

8,531

$

-

$

-

$

-

$

52,213

Overdraft 

38,195

-

-

-

-

-

38,195

Indirect and derivative facilities 

-

5,487

8,531

-

-

-

14,018

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

-

-

-

9,351

-

6,737

16,088

Utilized 

23,489

-

-

5,655

41,150

23,894

94,188

Repaid

-

-

-

(14,627)

(39,205)

(31,028)

(84,860)

Foreign currency

adjustment

(1)

61

-

-

(379)

(1,945)

397

(1,866)

Balance as of March 31, 2025

23,550

-

-

-

-

-

23,550

No restrictions as to use 

$

23,550

$

-

$

-

$

-

$

-

$

-

$

23,550

Interest rate as of March 31, 2025

(%)

(2)

10.50

N/A

N/A

N/A

-

N/A

Movement in utilized indirect and

derivative facilities:

Balance as of June 30, 2024

$

-

$

1,821

$

116

$

-

$

-

$

-

$

1,937

Foreign currency adjustment

(1)

-

(17)

(1)

-

-

-

(18)

Balance as of March 31, 2025

$

-

$

1,804

$

115

$

-

$

-

$

-

$

1,919

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

(2) RMB GBF interest is set at prime less

0.50

%.

Summary Of Long-Term Borrowings

Facilities

Lesaka A

Lesaka B

Connect

Asset

backed

CCC

(6)

Lesaka

G & H

Connect

A&B

Total

Included in current

$

-

$

-

$

3,878

$

11,841

$

-

$

-

$

15,719

Included in long-term

-

-

4,501

-

56,151

66,815

127,467

Opening balance as of June

30, 2024

-

-

8,379

11,841

56,151

66,815

143,186

Facilities utilized

116,652

54,112

2,619

5,091

11,022

-

189,496

Facilities repaid

-

-

(3,299)

(554)

(60,245)

(65,910)

(130,008)

Non-refundable fees paid

970

-

-

-

-

-

970

Non-refundable fees

amortized

39

-

-

21

116

32

208

Capitalized interest

-

-

-

-

5,033

-

5,033

Capitalized interest repaid

-

-

-

-

(11,077)

-

(11,077)

Foreign currency

adjustment

(1)

(1,393)

382

(106)

(54)

(1,000)

(937)

(3,108)

Closing balance as of

March 31, 2025

116,268

54,494

7,593

16,345

-

-

194,700

Included in current

-

8,174

3,569

16,345

-

-

28,088

Included in long-term

116,268

46,320

4,024

-

-

-

166,612

Unamortized fees

(1,206)

-

-

-

-

-

(1,206)

Due within 2 years

-

10,899

2,665

-

-

-

13,564

Due within 3 years

-

16,348

1,047

-

-

-

17,395

Due within 4 years

117,474

19,073

301

-

-

-

136,848

Due within 5 years

$

-

$

-

$

11

$

-

$

-

$

-

$

11

Interest rates as of March 31,

2025 (%):

10.81

10.71

11.75

11.95

-

-

Base rate (%)

7.56

7.56

11.00

11.00

-

-

Margin (%)

3.25

3.15

0.75

0.95

-

-

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 A and Facility B is based on the JIBAR in effect from time to time plus an initial margin of

3.25

% per

annum until June 30, 2025. From July 1, 2025, the margin on Facility A will be determined with reference to the Net Debt to EBITDA

Ratio, and the margin will be either (i)

3.25

%, if the Net Debt to EBITDA Ratio is greater than or equal to 2.5 times; or (ii)

2.5

%, if

the Net Debt to EBITDA Ratio is less than 2.5 times. 

(3) Interest on Facility B is calculated based on JIBAR from time to time plus an initial margin of

3.15

% per annum until June

30, 2025. From July 1, 2025, the margin on Facility B will be determined with reference to the Net Debt to EBITDA Ratio, and the

margin will be either (i)

3.15

%, if the Net Debt to EBITDA Ratio is greater than or equal to 2.5 times; or (ii)

2.4

%, if the Net Debt to

EBITDA Ratio is less than 2.5 times.

(4) Interest is charged at prime plus

0.75

% per annum on the utilized balance.

(5) Interest is charged at prime plus

0.95

% per annum on the utilized balance.

(6) Amounts presented as of June 30, 2024, have been revised, refer to Note 1 for additional information. The amount as of June

30, 2024, was incorrectly classified as long-term borrowings, instead of as current portion of long-term borrowings.