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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Capitec Bank
Capitec Bank (CPI) investor relations material
Capitec Bank H1 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2027 earnings summary30 Sep, 2026
Executive summary
Client base grew 7% to 26.6 million, with 16.5 million active app users monthly and 10.4 million fully banked clients.
High-income earners (earning above ZAR 50,000) up 22%, gig economy and entrepreneurs up 138%.
Youth segment (18–25) reached 4.9 million clients, 78% of whom are app users; credit card uptake among youth up 57%.
Focus on AI-driven fraud prevention, saving clients ZAR 229 million from scams in six months.
Interim dividend per share increased 19% to 3,110 cents.
Financial highlights
Headline earnings up 19% year-over-year to ZAR 9.5 billion.
Net interest income up 7% to ZAR 12.7 billion; non-interest income up 21% to ZAR 16.1 billion, now 70% of operational income.
Operating expenses rose 5% to ZAR 10.5 billion; cost-to-income ratio improved to 36% from 40%.
Credit loss ratio increased from 7.9% to 8.4%, driven by proactive provisioning and credit book growth.
Return on equity steady at 31%.
Outlook and guidance
Loan book growth expected to continue, though at a slower pace due to macroeconomic headwinds.
Continued focus on digital innovation, client safety, and expanding product ecosystem.
Ongoing investment in AI, fraud detection, and client experience.
Operating expense growth expected to remain moderate, with benefits from prior tech investments.
The business aims to become the leading payments provider and expand embedded finance capabilities.
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Latest events from Capitec Bank
- Preference share term amendments approved with no impact on rights; resolution passed.CPI
AGM 2026 - Headline earnings up 23%, with digital and business banking segments showing strong growth.CPIH2 2026
- Earnings per share expected to grow 20–25% for FY2026, supported by lending and insurance growth.CPITrading update
- Headline earnings up 26% to ZAR 8.0bn, ROE at 31%, and interim dividend up 26% to 2,620c per share.CPIH1 2026
- AGM marked robust growth, CEO succession, and all resolutions passed amid digital and ESG focus.CPIAGM 2025
- Headline earnings up 36% to R6.4bn, with digital, VAS, and insurance fueling growth.CPIH1 2025
- Headline earnings rose 30% to R13.7bn, supported by diversified and digital growth.CPIH2 2025
Next Capitec Bank earnings date
H2 202721 Apr, 2027
Capitec Bank
Next Capitec Bank earnings date
H2 202721 Apr, 2027
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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.