Capitec Income Statement

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

Millions ZAR. Fiscal year is Mar - Feb.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 31, 2026	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
Interest Income on Loans	32,853	32,064	29,368	25,118	20,783	17,454
Interest Income on Investments	1,337	1,257	860.6	687.53	415.92	-
Total Interest Income	34,190	33,321	30,228	25,806	21,199	17,454
Interest Paid on Deposits	9,226	9,230	10,043	9,342	6,993	4,838
Net Interest Income	24,964	24,091	20,186	16,464	14,207	12,616
Net Interest Income Growth	11.49%	19.35%	22.61%	15.89%	12.60%	9.14%
Gain (Loss) on Sale of Assets	-7.01	-7.01	-38.91	-22.29	-7.07	-87.09
Gain (Loss) on Sale of Investments	21.34	-13.66	27.25	-	-	-
Other Non-Interest Income	31,083	28,330	23,882	19,579	15,545	14,345
Total Non-Interest Income	31,097	28,309	23,870	19,557	15,538	14,258
Non-Interest Income Growth	20.09%	18.60%	22.06%	25.86%	8.98%	26.04%
Revenues Before Loan Losses	56,061	52,400	44,056	36,021	29,745	26,874
Provision for Loan Losses	10,991	9,976	8,258	8,725	6,329	3,508
Revenue	45,070	42,424	35,797	27,295	23,415	23,366
Revenue Growth	14.61%	18.51%	31.15%	16.57%	0.21%	55.29%
Salaries and Employee Benefits	10,795	10,510	9,666	7,177	6,228	7,418
Occupancy Expenses	1,686	1,684	1,490	1,214	1,010	1,001
Amortization of Goodwill & Intangibles	190.15	190.15	222.73	152.92	140.97	223.5
Selling, General & Administrative	6,857	6,567	5,460	3,070	2,543	1,988
Other Non-Interest Expense	1,176	1,280	1,222	2,304	1,948	1,838
Total Non-Interest Expense	20,730	20,244	18,058	13,847	11,772	12,432
EBT Excluding Unusual Items	24,339	22,179	17,740	13,448	11,643	10,935
Pretax Income	24,339	22,179	17,740	13,448	11,643	10,935
Income Tax Expense	5,970	5,342	3,991	2,881	2,492	2,408
Earnings From Continuing Operations	18,369	16,837	13,749	10,567	9,151	8,527
Minority Interest in Earnings	-2.83	-3.83	-6.87	-	-	-
Net Income	18,366	16,833	13,742	10,567	9,151	8,527
Preferred Dividends & Other Adjustments	4.11	4.11	4.66	5.46	4.48	3.92
Net Income to Common	18,362	16,829	13,738	10,561	9,147	8,523
Net Income Growth	19.96%	22.50%	30.07%	15.46%	7.32%	91.46%
Basic Shares Outstanding	115	115	115	115	115	116
Diluted Shares Outstanding	116	116	116	116	116	116
Shares Change	0.15%	0.05%	0.06%	-0.02%	-0.16%	0.09%
EPS (Basic)	159.17	145.90	119.11	91.56	79.33	73.71
EPS (Diluted)	158.45	145.43	118.78	91.37	79.11	73.60
EPS Growth	19.77%	22.44%	30.00%	15.50%	7.49%	91.27%

Additional Metrics

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 31, 2026	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
Dividend Per Share	84.700	79.800	65.100	48.750	42.000	36.400
Dividend Growth	20.23%	22.58%	33.54%	16.07%	15.38%	127.50%
Effective Tax Rate	24.53%	24.09%	22.50%	21.42%	21.40%	22.02%