Capitec Bank Holdings Balance Sheet

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

Millions ZAR. Fiscal year is Mar - Feb.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Feb '26 Feb 28, 2026	Feb '25 Feb 28, 2025	Feb '24 Feb 29, 2024	Feb '23 Feb 28, 2023	Feb '22 Feb 28, 2022
Cash & Equivalents	16,950	17,306	11,288	17,964	22,752
Investment Securities	113,493	105,651	96,726	75,190	72,572
Trading Asset Securities	4,958	1,387	587.58	322.61	14.59
Total Investments	118,451	107,038	97,314	75,513	72,586
Gross Loans	135,079	118,582	103,275	98,090	84,401
Allowance for Loan Losses	-28,021	-26,386	-22,439	-19,647	-17,559
Other Adjustments to Gross Loans	-376.26	-325.62	-284.29	-275.99	-292.81
Net Loans	106,681	91,870	80,552	78,168	66,549
Property, Plant & Equipment	5,818	5,806	5,368	5,113	4,931
Goodwill	1,078	1,091	849.49	849.49	849.49
Other Intangible Assets	417.15	538.01	552.49	586.14	498.52
Accrued Interest Receivable	219.65	254.81	312.38	186.5	-
Other Receivables	3,059	2,600	1,909	1,405	2,204
Restricted Cash	4,136	3,857	3,554	3,197	3,044
Other Current Assets	595.85	445.37	350.41	3,252	1,759
Long-Term Deferred Tax Assets	3,847	3,353	2,569	2,432	2,769
Other Long-Term Assets	2,030	4,305	2,961	1,971	-
Total Assets	263,284	238,464	207,579	190,636	177,943
Accounts Payable	5,254	5,684	3,299	2,316	2,210
Accrued Expenses	3,280	2,822	1,662	1,118	2,166
Interest Bearing Deposits	189,173	172,635	152,994	144,059	132,398
Total Deposits	189,173	172,635	152,994	144,059	132,398
Short-Term Borrowings	190.04	21.14	20.6	23.68	33.85
Current Portion of Long-Term Debt	1,217	1,754	1,372	121.1	243.2
Current Portion of Leases	381.17	337.14	349.25	271.13	303.56
Current Income Taxes Payable	328.94	377.12	251.98	-	301.95
Other Current Liabilities	4.6	1.28	3.02	10.12	8.26
Long-Term Debt	185	1,152	1,649	2,318	1,817
Long-Term Leases	1,856	2,030	2,034	2,034	2,121
Pension & Post-Retirement Benefits	10.46	10.71	11.59	11.24	14.91
Long-Term Deferred Tax Liabilities	277.46	88.43	-	-	-
Other Long-Term Liabilities	1,613	637.36	401.51	433.86	558.46
Total Liabilities	203,771	187,550	164,048	152,716	142,177
Preferred Stock, Non-Redeemable	0.01	0.01	0.01	0.01	0.01
Preferred Stock, Other	41.7	41.84	43.26	48.92	51.16
Total Preferred Equity	41.7	41.85	43.26	48.92	51.17
Common Stock	1.16	1.16	1.16	1.16	1.16
Additional Paid-In Capital	5,648	5,648	5,648	5,648	5,648
Retained Earnings	53,531	44,891	37,424	31,896	29,559
Treasury Stock	-163.62	-173.67	-192.48	-242.91	-
Comprehensive Income & Other	421.23	474.21	606.97	569.59	506.22
Total Common Equity	59,437	50,841	43,487	37,871	35,715
Minority Interest	33.99	30.93	-	-	-
Shareholders' Equity	59,513	50,913	43,531	37,920	35,766
Total Liabilities & Equity	263,284	238,464	207,579	190,636	177,943
Total Debt	3,829	5,294	5,425	4,768	4,519
Net Cash (Debt)	52,415	42,346	34,257	27,001	27,413
Net Cash Growth	23.78%	23.61%	26.88%	-1.50%	-39.85%
Net Cash Per Share	452.95	366.13	296.37	233.53	236.73
Filing Date Shares Outstanding	115.84	115.82	115.81	115.79	116.1
Total Common Shares Outstanding	115.84	115.82	115.81	115.79	116.1
Book Value Per Share	513.10	438.95	375.51	327.08	307.62
Tangible Book Value	57,942	49,212	42,085	36,436	34,367
Tangible Book Value Per Share	500.19	424.89	363.41	314.68	296.01

Source: S&P Global Market Intelligence. Banks template. Financial Sources.