Capitec

CAPITEC (30,7%)

Chairman Santie Botha
Chief executive officer Gerrie Fourie
Chief financial officer 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

2017

2018

2019

Headline earnings (Rm)

3 793

4 461

5 292

HEPS (R)

36.8

38.6

45.8

Growth in HEPS (%)

18

18

18.6

Dividend per share (R)

12.50

14.70

17.50

Dividend cover ratio

 2.6

2.6

2.6

Return on equity (%)

 27

27

28

Gross loans and advances (Rm)

45 135

47 642

54 879

Value of total loans advanced (Rm)

27 226

28 292 30 968
Repayments (Rm)

33 236

35 974

38 100

Arrears – past due (not up-to-date with contractual obligations) (Rm) 2 855

2 700

2 476

Arrears to gross loans and advances (%)

6,3

5,7

4,5

Provisions for doubtful debts (Rm) 3 923

 5 127

6 464

Provision for doubtful debts to arrears coverage (%)

223

208

216

Prosivion for doubtful debts arrears and all rescheduled loans (not rehabilitated) coverage (%)

91

107

115

Net transaction fee income (Rm)

3 923

5 127

6 464

Net transcation fee income to operating expenses (%)

72

81

86

Number of active client (‘000)

8 569

9 868

11 386

Number of primary clients (‘000)

3 909

4 539

5 237

Number of branches

796

826

840

Number of employees

13 069

13 333

13 774

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