Capitec Bank
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Capitec Bank (CPI) investor relations material

Capitec Bank Trading update summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Trading update summary11 Feb, 2026

Earnings guidance

  • Headline earnings per share expected to rise 20–25% to between 14,294 and 14,890 cents for FY2026, compared to 11,912 cents in FY2025.

  • Earnings per share forecasted to increase 20–25% to between 14,293 and 14,889 cents for FY2026, up from 11,911 cents in FY2025.

Strategic and operational highlights

  • Strategic decisions focused on strengthening long-term value and sustainable growth.

  • Simplified fee structure introduced in March 2025, reducing transaction fees and merchant POS device prices.

  • Continued client base growth and higher transaction volumes supported operational momentum.

Lending and product growth

  • Increased lending activity driven by improved macroeconomic conditions and new credit offerings.

  • Loan disbursements and lending income rose in Personal banking, with credit card client base expanding.

  • Business banking lending income grew as the segment moved from build to growth phase, aided by client acquisition and retention.

Assess impact of simplified fee structure
What improved loan book quality?
Explain Business banking growth phase transition
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Next Capitec Bank earnings date

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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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