Capitec Bank Holdings Limited (CKHGY)

Capitec Bank Holdings Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 31, 2025	Feb 28, 2025	Feb 29, 2024	Feb 28, 2023	Feb 28, 2022	Feb 28, 2021
Interest Income on Loans	30,930	29,368	25,118	20,783	17,454	16,544
Interest Income on Investments	1,114	860.6	687.53	415.92	-	-
Total Interest Income	32,043	30,228	25,806	21,199	17,454	16,544
Interest Paid on Deposits	9,653	10,043	9,342	6,993	4,838	4,984
Net Interest Income	22,391	20,186	16,464	14,207	12,616	11,560
Net Interest Income Growth (YoY)	23.73%	22.61%	15.89%	12.60%	9.14%	1.75%
Gain (Loss) on Sale of Assets	-38.91	-38.91	-22.29	-7.07	-87.09	-10.74
Gain (Loss) on Sale of Investments	-34.76	27.25	-	-	-	-122.2
Other Non-Interest Income	25,969	23,882	19,579	15,545	14,345	11,445
Total Non-Interest Income	25,895	23,870	19,557	15,538	14,258	11,312
Non-Interest Income Growth (YoY)	19.66%	22.06%	25.86%	8.98%	26.04%	16.34%
Revenues Before Loan Losses	48,286	44,056	36,021	29,745	26,874	22,872
Provision for Loan Losses	8,960	8,258	8,725	6,329	3,508	7,825
Revenue	39,325	35,797	27,295	23,415	23,366	15,047
Revenue Growth (YoY)	23.90%	31.15%	16.57%	0.21%	55.29%	-9.41%
Salaries and Employee Benefits	9,666	9,666	7,177	6,228	7,418	4,593
Occupancy Expenses	1,227	1,227	1,214	1,010	1,001	1,001
Amortization of Goodwill & Intangibles	222.73	222.73	152.92	140.97	223.5	241.27
Selling, General & Administrative	4,273	4,273	3,070	2,543	1,988	1,659
Other Non-Interest Expense	4,040	2,672	2,304	1,948	1,838	1,866
Total Non-Interest Expense	19,423	18,058	13,847	11,772	12,432	9,459
EBT Excluding Unusual Items	19,903	17,740	13,448	11,643	10,935	5,588
Pretax Income	19,903	17,740	13,448	11,643	10,935	5,588
Income Tax Expense	4,583	3,991	2,881	2,492	2,408	1,130
Earnings From Continuing Operations	15,320	13,749	10,567	9,151	8,527	4,458
Minority Interest in Earnings	-8.87	-6.87	-	-	-	-
Net Income	15,311	13,742	10,567	9,151	8,527	4,458
Preferred Dividends & Other Adjustments	3.66	4.66	5.46	4.48	3.92	6.36
Net Income to Common	15,308	13,738	10,561	9,147	8,523	4,452
Net Income Growth	24.54%	30.05%	15.47%	7.32%	91.27%	-28.68%
Basic Shares Outstanding	115	115	115	115	116	116
Diluted Shares Outstanding	116	116	116	116	116	116
Shares Change (YoY)	0.10%	0.06%	-0.02%	-0.16%	0.09%	-0.09%
EPS (Basic)	132.71	119.11	91.56	79.33	73.71	38.50
EPS (Diluted)	132.30	118.78	91.37	79.11	73.60	38.48
EPS Growth	24.44%	30.00%	15.50%	7.49%	91.27%	-28.62%
Dividend Per Share	70.450	65.100	48.750	42.000	36.400	16.000
Dividend Growth	29.74%	33.54%	16.07%	15.38%	127.50%	111.92%
Effective Tax Rate	23.03%	22.50%	21.42%	21.40%	22.02%	20.22%

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