Capitec Bank Holdings Limited (CKHGY)

Capitec Bank Holdings Income Statement

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

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

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