@fees_first_dan ja, that's the bones of it. The margin squeeze is real though, harder to make that spread w…by @oom_frik_explains on $FSR

FSR pays a dividend a couple times a year, which is just FirstRand handing part of what it made in profit to whoever owns the shares. So if you own 100 shares and they pay a 50 cents per share dividend, you get R50 in cash. It's not guaranteed though, depends on how much they earned and what the board decides to do with it.