Capitec Bank Holdings Ltd

Common Name

Capitec Bank Holdings

Country

South Africa

Sector

Financial Services

Industry

Banks - Regional

Employees

16,935

Ticker

CPI

Exchange

JOHANNESBURG STOCK EXCHANGE

Website

www.capitecbank.co.za

Description

Capitec Bank Holdings Ltd. is a financial services company based in South Africa, primarily known for its retail banking operations. Its primary function is to offer a simplified, affordable, and easi... Show more

Income Statement Balance Sheet

Financial Statements of Capitec Bank Holdings

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

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Verified Sources Behind Capitec Bank Holdings’s Financial Fundamentals Data

Every figure on this dashboard has a transparent audit trail. With Tracenable, each data point is traceable back to its original source, viewable directly inside our platform. Explore Capitec Bank Holdings’s data sources below and access millions more through our Disclosure Search.

a. Capitec Bank Holdings's Integrated Report 2025

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Capitec Bank Holdings Ltd

Financial Statements of Capitec Bank Holdings

Verified Sources Behind Capitec Bank Holdings’s Financial Fundamentals Data

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