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Investor Relations14 Oct 2025
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Capitec Bank Holdings (CPI) investor relations material
Capitec Bank Holdings H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary1 Oct, 2025
Executive summary
Headline earnings rose 26% to ZAR 8.0 billion year-over-year, with ROE at 31% and active clients reaching 25 million, driven by diversified income streams and operational efficiency.
Client base grew 8%, with strong gains in youth and high-income segments and high digital adoption.
Digital and fintech services, including Capitec Connect, saw rapid expansion, with Connect clients up 76% and fintech income up 40%.
Strategic focus on innovation, digital transformation, and expanding business banking, insurance, and product offerings.
Interim dividend per share increased 26% to 2,620 cents, reflecting strong profitability and capital position.
Financial highlights
Net interest income after credit impairments increased 27% to R7.1 billion, with net interest income up 23% to R11.9 billion.
Non-interest income grew 19% to R13.4 billion, with 65% of income from non-credit operations.
Operating expenses rose 16% to R10.0 billion, with IT expenses up 33% and ongoing investment in technology and people.
Credit loss ratio (CLR) at 7.9% (total), 6.8% (excluding AvaFin), with business banking at 2.1%.
Return on equity increased to 31%.
Outlook and guidance
Expectation to maintain stable personal banking credit loss ratio for the full year, subject to economic conditions.
No change to dividend payout policy (55% for the full year); strong capital position maintained despite Basel IV impact.
Continued focus on innovation, digital payments, expanding product offerings, and business banking growth.
Management aims to maintain growth momentum and client trust, with a new CEO appointed in July 2025.
Transaction fee reduction impact?
Why did the CAR decrease to 33%?
AvaFin's impact on group credit risk?
Impact of Capitec Connect device strategy?
How will ROE be managed with client givebacks?
AI's role in fraud prevention and savings?
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Next Capitec Bank Holdings earnings date
H2 202622 Apr, 2026
Next Capitec Bank Holdings earnings date
H2 202622 Apr, 2026
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Frequently asked questions
Capitec Bank Holdings Limited is a South African public company focused on retail banking services. Founded in, 2001 it has grown to become one of the country's leading retail banks. Capitec Bank operates a vast network of roughly 850 retail branches across South Africa, offering a wide range of financial products and services. These include loans, investment banking, savings, investments, debit and credit cards, and commercial banking. The bank is known for its Global One account, which integrates a transacting/savings account with a credit facilityCapitec Bank is headquartered in Stellenbosch, Western Cape, South Africa, and its shares are listed on the Johannesburg Stock Exchange.
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