Capitec Bank Holdings Limited (JSE: CPI)

Capitec Bank Holdings Balance Sheet

Financials in millions ZAR. Fiscal year is March - February.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb 29, 2024	Feb 29, 2024	Feb 28, 2023	Feb 28, 2022	Feb 28, 2021	Feb 29, 2020
Cash & Equivalents	5,453	5,453	17,964	22,752	19,952	16,253
Investment Securities	96,726	96,726	75,190	72,572	63,021	41,892
Trading Asset Securities	587.58	587.58	322.61	14.59	2,998	1,533
Total Investments	97,314	97,314	75,513	72,586	66,018	43,425
Gross Loans	103,275	103,275	98,090	84,401	75,349	76,284
Allowance for Loan Losses	-22,439	-22,439	-19,647	-17,559	-17,838	-13,740
Other Adjustments to Gross Loans	-284.29	-284.29	-275.99	-292.81	-322.62	-500.5
Net Loans	80,552	80,552	78,168	66,549	57,189	62,043
Property, Plant & Equipment	5,368	5,368	5,113	4,931	4,999	5,477
Goodwill	849.49	849.49	849.49	849.49	849.49	794.49
Other Intangible Assets	552.49	552.49	586.14	498.52	631.82	579.31
Accrued Interest Receivable	312.38	312.38	186.5	-	-	-
Other Receivables	1,909	1,909	1,405	2,204	2,074	1,177
Restricted Cash	3,554	3,554	3,197	3,044	2,099	1,863
Other Current Assets	6,186	6,186	3,252	1,759	550.46	1,092
Long-Term Deferred Tax Assets	2,569	2,569	2,432	2,769	2,145	1,863
Other Long-Term Assets	2,961	2,961	1,971	-	-	-
Total Assets	207,579	207,579	190,636	177,943	156,507	134,568
Accounts Payable	3,299	3,299	2,316	2,210	1,730	1,433
Accrued Expenses	1,662	1,662	1,118	2,166	896.26	898.16
Interest Bearing Deposits	152,994	152,994	144,059	132,398	118,532	99,649
Total Deposits	152,994	152,994	144,059	132,398	118,532	99,649
Short-Term Borrowings	20.6	20.6	23.68	33.85	65.59	61.03
Current Portion of Long-Term Debt	1,372	1,372	121.1	243.2	1,182	1,885
Current Portion of Leases	349.25	349.25	271.13	303.56	256.92	283.73
Current Income Taxes Payable	251.98	251.98	-	301.95	159.52	14.35
Other Current Liabilities	3.02	3.02	10.12	8.26	5.55	7.39
Long-Term Debt	1,649	1,649	2,318	1,817	1,194	1,809
Long-Term Leases	2,034	2,034	2,034	2,121	2,244	2,511
Pension & Post-Retirement Benefits	11.59	11.59	11.24	14.91	16.2	17.23
Long-Term Deferred Tax Liabilities	-	-	-	-	-	72.99
Other Long-Term Liabilities	401.51	401.51	433.86	558.46	309.39	345.55
Total Liabilities	164,048	164,048	152,716	142,177	126,592	108,987
Preferred Stock, Non-Redeemable	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock, Other	43.26	43.26	48.92	51.16	55.64	73.09
Total Preferred Equity	43.26	43.26	48.92	51.17	55.64	73.1
Common Stock	1.16	1.16	1.16	1.16	1.16	1.16
Additional Paid-In Capital	5,648	5,648	5,648	5,648	5,648	5,648
Retained Earnings	37,424	37,424	31,896	29,559	24,225	19,855
Treasury Stock	-192.48	-192.48	-242.91	-	-	-
Comprehensive Income & Other	606.97	606.97	569.59	506.22	-14.6	3.51
Total Common Equity	43,487	43,487	37,871	35,715	29,860	25,508
Shareholders' Equity	43,531	43,531	37,920	35,766	29,915	25,581
Total Liabilities & Equity	207,579	207,579	190,636	177,943	156,507	134,568
Total Debt	5,425	5,425	4,768	4,519	4,943	6,550
Net Cash (Debt)	28,422	28,422	27,001	27,413	45,576	35,327
Net Cash Growth	5.26%	5.26%	-1.50%	-39.85%	29.01%	9.77%
Net Cash Per Share	245.89	245.89	233.53	236.73	393.92	305.07
Filing Date Shares Outstanding	115.81	115.81	115.79	116.1	115.63	115.63
Total Common Shares Outstanding	115.81	115.81	115.79	116.1	115.63	115.63
Book Value Per Share	375.51	375.51	327.08	307.62	258.24	220.60
Tangible Book Value	42,085	42,085	36,436	34,367	28,378	24,134
Tangible Book Value Per Share	363.41	363.41	314.68	296.01	245.43	208.72

Source: S&P Capital IQ. Banks template. Financial Sources.