Below are the financial statements of Capitec Bank Holdings, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of ZAR | 2025 | 2024 |
|---|---|---|
| Interest and similar income and expenses | — | — |
| Interest income | 30,228.36a | 25,805.8a |
| Interest income calculated using the effective interest method | 29,367.76a | 25,118.27a |
| Interest income on financial assets at FVTPL | 860.6a | 687.53a |
| Interest expense and other similar charges | -10,042.71a | -9,341.81a |
| Net interest income | 20,185.65a | 16,463.99a |
| Credit impairments | -8,258.39a | -8,725.33a |
| Net interest income after credit impairments | 11,927.26a | 7,738.65a |
| Non-interest income | — | — |
| Loan fee income | 1,292.33a | 1,219.31a |
| Loan fee expense | -6.39a | -11.14a |
| Net loan fee income | 1,285.94a | 1,208.17a |
| Transaction fee and commission income | 24,851.86a | 20,855.91a |
| Transaction fee and commission expense | -6,317a | -6,068.78a |
| Net transaction and commission income | 18,534.85a | 14,787.13a |
| Insurance revenue | 7,368.48a | 4,971.21a |
| Insurance service expense | -3,716.04a | -1,977.27a |
| Net expense from reinsurance contracts held | -1.45a | 0a |
| Insurance service result | 3,650.99a | 2,993.94a |
| Insurance finance income | 126.83a | 183.61a |
| Reinsurance finance expense | -0.46a | 0a |
| Net insurance result | 3,777.36a | 3,177.55a |
| Foreign currency income | 567.55a | 514.55a |
| Foreign currency expense | -431.96a | -354.04a |
| Net foreign currency income | 135.59a | 160.51a |
| Dividend income | 0a | 0a |
| Other income | 147.99a | 245.49a |
| Net non-interest income | 23,881.73a | 19,578.85a |
| Income from operations after credit impairments | 35,808.99a | 27,317.51a |
| Operating expenses | -18,099.57a | -13,940.89a |
| Share of net profit of associates and joint ventures | 2.99a | 71.12a |
| Reversal of impairment in associate | 0a | 0a |
| Deemed disposal of investment in associate | 27.25a | 0a |
| Operating profit before tax | 17,739.67a | 13,447.74a |
| Income and deferred tax expense | -3,990.55a | -2,880.81a |
| Profit for the year | 13,749.12a | 10,566.94a |
| Profit attributable to ordinary shareholders | 13,742.25a | 10,566.94a |
| Non-controlling interest | 6.87a | 0a |
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