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Capitec Bank
Capitec Bank (CPI) investor relations material
Capitec Bank 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 for the six months, with ROE at 31% and active clients reaching 25 million, including strong growth in youth and higher-income segments.
Diversified income streams: 65% of income now from non-credit business, with fintech and insurance each contributing 26% to group earnings.
Continued focus on innovation, digital transformation, and expanding business banking, fintech, and product offerings across banking, credit, insurance, and fintech.
Interim dividend per share increased 26% to 2,620 cents, reflecting strong profitability and capital position.
Financial highlights
Net interest income up 27% year-over-year; non-interest revenue up 19% to R13.4 billion, with significant contributions from transaction, VAS, Connect, and insurance.
Credit loss ratio at 7.9% (including AvaFin); excluding AvaFin, 6.8%, down from 7% last year.
Operating expenses increased 16% to R10.0 billion, with IT expenses up 33% and ongoing investment in technology and people.
Return on equity increased to 31%.
ZAR 203 million in fee reductions given back to clients.
Outlook and guidance
Expect stable personal banking credit loss ratio for the full year, barring major economic shifts.
No change to dividend payout policy (55% for the full year); strong capital position maintained despite Basel IV impact.
Focus on scaling business banking, enterprise payments, global expansion through AvaFin, and developing a single payment ecosystem.
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 earnings date
H2 202622 Apr, 2026
Capitec Bank
Next Capitec Bank 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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