Capitec Bank Holdings Limited (CKHGY)

Capitec Bank Holdings Balance Sheet

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
Cash & Equivalents	17,306	11,288	17,964	22,752	19,952
Investment Securities	105,651	96,726	75,190	72,572	63,021
Trading Asset Securities	1,387	587.58	322.61	14.59	2,998
Total Investments	107,038	97,314	75,513	72,586	66,018
Gross Loans	115,852	103,275	98,090	84,401	75,349
Allowance for Loan Losses	-26,380	-22,439	-19,647	-17,559	-17,838
Other Adjustments to Gross Loans	-325.62	-284.29	-275.99	-292.81	-322.62
Net Loans	89,145	80,552	78,168	66,549	57,189
Property, Plant & Equipment	5,806	5,368	5,113	4,931	4,999
Goodwill	1,091	849.49	849.49	849.49	849.49
Other Intangible Assets	538.01	552.49	586.14	498.52	631.82
Accrued Interest Receivable	254.81	312.38	186.5	-	-
Other Receivables	5,325	1,909	1,405	2,204	2,074
Restricted Cash	3,857	3,554	3,197	3,044	2,099
Other Current Assets	445.37	350.41	3,252	1,759	550.46
Long-Term Deferred Tax Assets	3,353	2,569	2,432	2,769	2,145
Other Long-Term Assets	4,305	2,961	1,971	-	-
Total Assets	238,464	207,579	190,636	177,943	156,507
Accounts Payable	5,684	3,299	2,316	2,210	1,730
Accrued Expenses	2,822	1,662	1,118	2,166	896.26
Interest Bearing Deposits	172,635	152,994	144,059	132,398	118,532
Total Deposits	172,635	152,994	144,059	132,398	118,532
Short-Term Borrowings	21.14	20.6	23.68	33.85	65.59
Current Portion of Long-Term Debt	1,754	1,372	121.1	243.2	1,182
Current Portion of Leases	337.14	349.25	271.13	303.56	256.92
Current Income Taxes Payable	377.12	251.98	-	301.95	159.52
Other Current Liabilities	1.28	3.02	10.12	8.26	5.55
Long-Term Debt	1,152	1,649	2,318	1,817	1,194
Long-Term Leases	2,030	2,034	2,034	2,121	2,244
Pension & Post-Retirement Benefits	10.71	11.59	11.24	14.91	16.2
Long-Term Deferred Tax Liabilities	88.43	-	-	-	-
Other Long-Term Liabilities	637.36	401.51	433.86	558.46	309.39
Total Liabilities	187,550	164,048	152,716	142,177	126,592
Preferred Stock, Non-Redeemable	0.01	0.01	0.01	0.01	0.01
Preferred Stock, Other	41.84	43.26	48.92	51.16	55.64
Total Preferred Equity	41.85	43.26	48.92	51.17	55.64
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	44,891	37,424	31,896	29,559	24,225
Treasury Stock	-173.67	-192.48	-242.91	-	-
Comprehensive Income & Other	474.21	606.97	569.59	506.22	-14.6
Total Common Equity	50,841	43,487	37,871	35,715	29,860
Minority Interest	30.93	-	-	-	-
Shareholders' Equity	50,913	43,531	37,920	35,766	29,915
Total Liabilities & Equity	238,464	207,579	190,636	177,943	156,507
Total Debt	5,294	5,425	4,768	4,519	4,943
Net Cash (Debt)	42,346	34,257	27,001	27,413	45,576
Net Cash Growth	23.61%	26.88%	-1.50%	-39.85%	29.01%
Net Cash Per Share	366.13	296.37	233.53	236.73	393.92
Filing Date Shares Outstanding	115.82	115.81	115.79	116.1	115.63
Total Common Shares Outstanding	115.82	115.81	115.79	116.1	115.63
Book Value Per Share	438.95	375.51	327.08	307.62	258.24
Tangible Book Value	49,212	42,085	36,436	34,367	28,378
Tangible Book Value Per Share	424.89	363.41	314.68	296.01	245.43

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