Capitec Bank
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Capitec Bank (CPI) investor relations material

Capitec Bank Trading update summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Trading update summary11 Feb, 2026

Earnings guidance

  • Headline earnings per share expected to rise 20–25% to between 14,294 and 14,890 cents for FY2026, compared to 11,912 cents in FY2025.

  • Earnings per share forecasted to increase 20–25% to between 14,293 and 14,889 cents for FY2026, up from 11,911 cents in FY2025.

Strategic and operational highlights

  • Strategic decisions focused on strengthening long-term value and sustainable growth.

  • Simplified fee structure introduced in March 2025, reducing transaction fees and merchant POS device prices.

  • Continued client base growth and higher transaction volumes supported operational momentum.

Lending and product growth

  • Increased lending activity driven by improved macroeconomic conditions and new credit offerings.

  • Loan disbursements and lending income rose in Personal banking, with credit card client base expanding.

  • Business banking lending income grew as the segment moved from build to growth phase, aided by client acquisition and retention.

Assess impact of simplified fee structure
What improved loan book quality?
Explain Business banking growth phase transition
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Next Capitec Bank earnings date

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H2 202622 Apr, 2026
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