CAPITEC BANK (30,7%)

Chairman Michiel le Roux
Chief executive officer Gerrie Fourie
Financial director André du Plessis

Capitec is a South African retail bank focused on providing easy and affordable banking services to its clients via the use of innovative technology. Everything Capitec does is based on simplicity, affordability, accessibility and personal service.

Financial results

Year ended February

2013

2014

2015

2016

2017

Headline earnings (Rm)

 1 584

2 017

2 547

3 222

3 793

HEPS (cents)

1 519

1 752

2 209

2 787

3 281

Growth in HEPS (%)

 35

15

26

26

18

Dividend per share (cents)

 574

663

836

1 055

1 250

Dividend cover ratio (times)

 2.6

2.6

2.6

2.6

2.6

Return on equity (%)

 27

23

25

27

27

Gross loans and advances (Rm)

30 658

33 690

36 341

40 891

45 135

Value of loans advanced (Rm)

25 401

18 214 19 417 24 228 27 226
Net loan impairment expense (Rm)

(2 659)

(3 976)

(4 014)

(4 401)

(5 121)

Arrears and arrears rescheduled < 6 months coverage ratio (%)     113

125

135

134

134

Net transaction fee income (Rm)

1 349

1 927

2 608

3 020

3 923

Net transaction fee income as percentage of operating expenses (%)

45

59

65

66

72

Number of active clients (’000)

4 677

5 388

6 244

7 269

8 569

Number of branches

560

629

668

720

796

Number of employees

8 308

9 070

10 261

11 440

13 069

Capitec’s comprehensive results are available at www.capitec.co.za.