{ "schemaVersion": 1, "organisationId": "O-84bdad54065c4e78bedf5639f8ec2229", "slug": "capitec-bank-holdings-limited", "name": "Capitec Bank Holdings Limited", "updatedAt": "2026-10-02T11:15:33.061435Z", "sections": [ { "type": "OVERVIEW", "text": "Capitec Bank Holdings Limited is a South African financial-services group centred on banking. Its core bank serves individuals and small and medium-sized businesses in South Africa with personal and business banking, including lending, transaction and savings services; the group also offers insurance products and owns a majority stake in online consumer lender AvaFin. [P66180019][P37541538][P53806149][P44875667][P76483085] Through AvaFin, the group also operates in Poland, Latvia, Czechia, Spain and Mexico. [P76483085]\n\nCapitec describes its purpose as building simple, accessible financial solutions that support people and businesses, financial literacy and South Africa’s economic progress; its stated vision is to be South Africa’s most trusted personal bank. [P114353891][T973145] For the year ended 28 February 2026, income from operations after credit impairments was R42.444 billion. [T13537041] The group reported 17,236 employees, excluding AvaFin, and 26 million active clients. [P82178975][P38279800] Capitec opened in 2001 and listed on the JSE in 2002. [https://www.capitecbank.co.za/about-us/][https://www.capitecbank.co.za/about-us/our-journey/]\n[P66180019][P37541538][P53806149][P44875667][P76483085][P114353891][T973145][T13537041][P82178975][P38279800][https://www.capitecbank.co.za/about-us/][https://www.capitecbank.co.za/about-us/our-journey/][https://www.capitecbank.co.za/about-us/][https://www.capitecbank.co.za/about-us/our-journey/]", "updatedAt": "2026-10-02T11:15:33.061435Z" }, { "type": "PRODUCTS", "text": "Capitec’s Global One personal-banking offering combines a transactional account with savings, credit, insurance, Connect mobile services and Rewards. Savings options include instant-access accounts, 7- and 32-day notice deposits, and fixed-term deposits from 6 to 60 months; the FY2026 presentation lists rates of 2.00–6.00%, 4.00–7.35% and 2.00–8.40%, respectively. The Main Account earns interest on positive balances and supports up to 10 savings plans. [P56911749][P35268025][https://www.capitecbank.co.za/personal/save/main-account/]\n\nCredit products include Term Loans, the revolving Access Facility and Credit Card. FY2026 year-end gross loans were R59.828bn in Term Loans, R22.145bn in Access Facility and R16.039bn in Credit Card. The presentation also shows personal loans with terms up to 84 months, partner credit of up to R500,000 for home improvement and education, and credit-card cashback at prime plus 1%. [P24199202][T8925027] Insurance offerings include configurable funeral cover, with options for funeral costs, income support for 24 months, a lump sum and children’s needs; the presentation shows cover for up to 21 family members. Capitec’s official product pages list Funeral Cover up to R100,000 and Life Cover from R100,000 to R3m, subject to eligibility and other conditions. [P40988960][https://www.capitecbank.co.za/personal/insure/]\n\nBusiness Banking provides web and mobile banking, a Visa debit card, company accounts for CIPC-registered businesses and a Relationship Suite. Entrepreneur Accounts serve sole proprietors and unregistered businesses; the FY2026 presentation also shows an entrepreneur debit Mastercard and contactless POS terminal. Connect is Capitec’s prepaid mobile service, with non-expiry and time-limited data bundles, as well as WhatsApp and streaming bundles; its official pages describe no-contract service and extra data on recharges linked to a Main Account. The app also supports international transfers to 26 countries through bank account, mobile wallet or cash pickup. [P724833][P115807331][https://www.capitecbank.co.za/personal/connect/][https://www.capitecbank.co.za/personal/connect/capitec-bundles/][P117702072]\n\nFor FY2026, disclosed income categories included net interest income of R20.927bn, net transaction and commission income of R21.525bn, net insurance income of R5.224bn and other income of R1.691bn. Segment income after credit impairments was R32.376bn for Personal Banking, R3.196bn for Business Banking, R5.542bn for Insurance and R1.441bn for AvaFin—approximately 76.3%, 7.5%, 13.1% and 3.4% of the reported total, respectively. These are broad income categories and segment shares, not revenue percentages for individual products. [T4374201][T11660977]\n[P56911749][P35268025][P24199202][T8925027][T8925027][T8925027][P40988960][P724833][P115807331][P117702072][T4374201][T4374201][T4374201][T4374201][T11660977][T11660977][T11660977][T11660977][https://www.capitecbank.co.za/personal/save/main-account/][https://www.capitecbank.co.za/personal/insure/][https://www.capitecbank.co.za/personal/connect/][https://www.capitecbank.co.za/personal/connect/capitec-bundles/][https://www.capitecbank.co.za/personal/save/main-account/][https://www.capitecbank.co.za/personal/insure/][https://www.capitecbank.co.za/personal/connect/][https://www.capitecbank.co.za/personal/connect/capitec-bundles/]", "updatedAt": "2026-10-02T11:15:33.061435Z" }, { "type": "GEOGRAPHY", "text": "Capitec Bank Limited is domiciled in South Africa, and its branch network serves communities across all nine provinces. The group also has international exposure through its 97.075% holding in AvaFin, an online consumer lender operating in Poland, Latvia, Czechia, Spain and Mexico. [P37541538][P83205459][P76483085] Capitec reported 866 branches in its 2026 AGM presentation. [https://www.capitecbank.co.za/globalassets/pages/investor-relations/shareholder-centre/agm-2026/capitec-agm-2026-ceo-presentation.pdf]\n\nAvaFin’s FY2026 net interest and investment income after credit impairments was distributed across Poland (33%), Czechia (23%), Mexico (21%), Spain (20%) and Latvia (3%); these figures describe AvaFin’s income mix, not consolidated group revenue by geography. [P80433415]\n[P37541538][P83205459][P76483085][P80433415][https://www.capitecbank.co.za/globalassets/pages/investor-relations/shareholder-centre/agm-2026/capitec-agm-2026-ceo-presentation.pdf]", "updatedAt": "2026-10-02T11:15:33.061435Z" }, { "type": "SEGMENTS", "text": "Capitec reports four operating segments for FY2026: Personal Banking and Business Banking in South Africa, Insurance, and AvaFin, its foreign segment. Lending is reported within Personal Banking, Business Banking and AvaFin; Insurance reports insurance revenue and insurance results. [P198427997][T19884337]\n\nBy FY2026 operating profit before tax, Personal Banking contributed R15,497 million (about 69.9% of the R22,179 million total), Insurance R5,309 million (23.9%), Business Banking R1,172 million (5.3%), and AvaFin R201 million (0.9%). [T19884337]\n[P198427997][T19884337]", "updatedAt": "2026-10-02T11:15:33.061435Z" }, { "type": "HISTORY", "text": "Capitec Bank Holdings was incorporated on 23 November 1999, growing out of a microlending business associated with founding members Michiel le Roux and Cornelius Borstlap. Capitec Bank began operating on 1 March 2001, and the group listed on the JSE in February 2002. [https://www.capitecbank.co.za/globalassets/pages/investor-relations/shareholder-centre/capitecabridgedprelistingstatementaug2006.pdf]\n\nThe bank introduced its Global One offering in 2003 and biometric scanning in 2004, followed by the launch of its banking app in 2014. That year, Gerrie Fourie succeeded Riaan Stassen as chief executive. Capitec expanded its product range with a nationally launched credit card in 2016 and funeral cover in 2018. [https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2003/annual-report/capitec_integratedannualreport_2003.pdf] [https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2004/annual-report/capitec_integratedannualreport_2004.pdf] [https://www.capitecbank.co.za/about-us/our-journey/] [P101572714]\n\nIn 2019, Capitec completed its acquisition of Mercantile Bank, expanding into business banking. In May 2024, it increased its stake in AvaFin to a controlling interest. Fourie retired in July 2025 and was succeeded as CEO by Graham Lee. [P87195000] [https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2025/annual-report/integrated_annual_report_2025.pdf] [https://www.capitecbank.co.za/blog/news/2025/gerrie-fourie-retires-after-over-10-years-as-ceo/]\n[https://www.capitecbank.co.za/globalassets/pages/investor-relations/shareholder-centre/capitecabridgedprelistingstatementaug2006.pdf][https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2003/annual-report/capitec_integratedannualreport_2003.pdf][https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2004/annual-report/capitec_integratedannualreport_2004.pdf][https://www.capitecbank.co.za/about-us/our-journey/][P101572714][P87195000][https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2025/annual-report/integrated_annual_report_2025.pdf][https://www.capitecbank.co.za/blog/news/2025/gerrie-fourie-retires-after-over-10-years-as-ceo/][https://www.capitecbank.co.za/globalassets/pages/investor-relations/shareholder-centre/capitecabridgedprelistingstatementaug2006.pdf][https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2003/annual-report/capitec_integratedannualreport_2003.pdf][https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2004/annual-report/capitec_integratedannualreport_2004.pdf][https://www.capitecbank.co.za/about-us/our-journey/][https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2025/annual-report/integrated_annual_report_2025.pdf][https://www.capitecbank.co.za/blog/news/2025/gerrie-fourie-retires-after-over-10-years-as-ceo/]", 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Holdings Limited — Full financial report (2019 Y), p242", "documentId": "D-ebea3903f40f40bb89804762c3b0e468", "page": 242 }, { "id": "https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2025/annual-report/integrated_annual_report_2025.pdf", "href": "https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2025/annual-report/integrated_annual_report_2025.pdf", "label": "www.capitecbank.co.za" }, { "id": "https://www.capitecbank.co.za/blog/news/2025/gerrie-fourie-retires-after-over-10-years-as-ceo/", "href": "https://www.capitecbank.co.za/blog/news/2025/gerrie-fourie-retires-after-over-10-years-as-ceo/", "label": "www.capitecbank.co.za" } ] }