Capitec Bank Holdings Ltd
JSE:CPI
Balance Sheet
Balance Sheet Decomposition
Capitec Bank Holdings Ltd
Capitec Bank Holdings Ltd
Balance Sheet
Capitec Bank Holdings Ltd
| Feb-2002 | Feb-2003 | Feb-2004 | Feb-2005 | Feb-2006 | Feb-2007 | Feb-2008 | Feb-2009 | Feb-2010 | Feb-2011 | Feb-2012 | Feb-2013 | Feb-2014 | Feb-2015 | Feb-2016 | Feb-2017 | Feb-2018 | Feb-2019 | Feb-2020 | Feb-2021 | Feb-2022 | Feb-2023 | Feb-2024 | Feb-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||||||||||||||
| Net Loans |
92
|
116
|
135
|
208
|
455
|
803
|
2 019
|
2 982
|
5 225
|
10 071
|
16 863
|
27 935
|
30 053
|
32 484
|
35 760
|
39 205
|
41 814
|
44 515
|
62 043
|
57 189
|
66 549
|
78 168
|
80 552
|
91 870
|
|
| Investments |
0
|
0
|
48
|
126
|
182
|
425
|
200
|
605
|
2 076
|
1 842
|
2 564
|
4 169
|
7 861
|
12 301
|
16 045
|
18 732
|
25 533
|
36 944
|
48 616
|
73 242
|
80 608
|
83 231
|
102 249
|
117 407
|
|
| PP&E Net |
127
|
136
|
147
|
114
|
134
|
156
|
196
|
240
|
282
|
375
|
543
|
698
|
855
|
849
|
1 111
|
1 523
|
1 754
|
2 210
|
5 477
|
4 999
|
4 931
|
5 113
|
5 368
|
5 806
|
|
| PP&E Gross |
127
|
136
|
147
|
114
|
134
|
156
|
196
|
240
|
282
|
375
|
543
|
698
|
855
|
849
|
1 111
|
1 523
|
1 754
|
2 210
|
5 477
|
4 999
|
4 931
|
5 113
|
5 368
|
5 806
|
|
| Accumulated Depreciation |
15
|
34
|
62
|
85
|
119
|
158
|
212
|
276
|
320
|
407
|
512
|
677
|
915
|
1 157
|
1 420
|
1 746
|
1 595
|
1 812
|
2 443
|
2 855
|
3 225
|
5 346
|
5 917
|
6 271
|
|
| Intangible Assets |
0
|
0
|
0
|
62
|
48
|
43
|
38
|
28
|
22
|
34
|
69
|
136
|
201
|
239
|
243
|
280
|
283
|
316
|
579
|
632
|
499
|
586
|
552
|
538
|
|
| Goodwill |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
794
|
849
|
849
|
849
|
849
|
1 091
|
|
| Long-Term Investments |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
2
|
0
|
0
|
0
|
134
|
317
|
461
|
377
|
394
|
600
|
727
|
285
|
|
| Customer Acceptances Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Long-Term Assets |
86
|
68
|
49
|
25
|
7
|
14
|
14
|
14
|
19
|
49
|
234
|
271
|
212
|
312
|
349
|
460
|
397
|
1 596
|
1 863
|
2 145
|
2 769
|
2 432
|
2 569
|
3 353
|
|
| Other Assets |
27
|
10
|
20
|
17
|
19
|
21
|
37
|
41
|
67
|
79
|
162
|
137
|
242
|
242
|
270
|
1 127
|
829
|
1 929
|
2 846
|
2 486
|
4 134
|
5 693
|
9 256
|
4 391
|
|
| Total Assets |
409
N/A
|
434
+6%
|
511
+18%
|
805
+58%
|
1 251
+55%
|
2 192
+75%
|
2 936
+34%
|
4 969
+69%
|
9 488
+91%
|
14 440
+52%
|
23 622
+64%
|
38 347
+62%
|
46 191
+20%
|
53 916
+17%
|
62 946
+17%
|
73 358
+17%
|
84 957
+16%
|
100 428
+18%
|
134 568
+34%
|
156 507
+16%
|
177 943
+14%
|
190 636
+7%
|
207 579
+9%
|
238 464
+15%
|
|
| Liabilities | |||||||||||||||||||||||||
| Accounts Payable |
11
|
30
|
58
|
46
|
40
|
37
|
50
|
92
|
135
|
164
|
223
|
216
|
323
|
334
|
475
|
563
|
939
|
1 074
|
1 433
|
1 730
|
2 210
|
2 316
|
3 299
|
5 684
|
|
| Accrued Liabilities |
0
|
18
|
22
|
0
|
30
|
50
|
84
|
101
|
160
|
154
|
265
|
318
|
286
|
610
|
657
|
711
|
767
|
848
|
898
|
896
|
2 166
|
1 078
|
1 617
|
2 641
|
|
| Short-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
8 421
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Current Portion of Long-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
392
|
1 721
|
2 091
|
|
| Total Deposits |
0
|
0
|
0
|
281
|
595
|
897
|
1 528
|
3 317
|
7 360
|
10 450
|
17 692
|
29 000
|
27 028
|
30 029
|
37 787
|
48 039
|
57 824
|
71 365
|
99 649
|
118 532
|
132 398
|
144 059
|
152 994
|
172 635
|
|
| Other Current Liabilities |
3
|
0
|
0
|
0
|
22
|
87
|
56
|
26
|
41
|
46
|
11
|
57
|
12
|
11
|
10
|
40
|
8
|
8
|
22
|
165
|
310
|
10
|
255
|
378
|
|
| Total Current Liabilities |
14
|
48
|
80
|
46
|
92
|
174
|
190
|
219
|
336
|
364
|
499
|
591
|
9 042
|
955
|
1 142
|
1 314
|
1 714
|
1 930
|
2 353
|
2 791
|
4 686
|
3 796
|
6 892
|
10 793
|
|
| Long-Term Debt |
0
|
0
|
0
|
4
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
11 153
|
10 153
|
7 543
|
6 206
|
5 078
|
6 489
|
4 877
|
4 485
|
4 352
|
3 683
|
3 182
|
|
| Deferred Income Tax |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
73
|
0
|
0
|
0
|
0
|
88
|
|
| Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
31
|
|
| Other Liabilities |
4
|
1
|
2
|
1
|
0
|
4
|
0
|
27
|
63
|
175
|
246
|
243
|
139
|
216
|
204
|
344
|
322
|
379
|
424
|
391
|
607
|
509
|
479
|
851
|
|
| Total Liabilities |
18
N/A
|
48
+167%
|
82
+71%
|
332
+305%
|
687
+107%
|
1 074
+56%
|
1 719
+60%
|
3 563
+107%
|
7 760
+118%
|
10 989
+42%
|
18 436
+68%
|
29 834
+62%
|
36 209
+21%
|
42 353
+17%
|
49 286
+16%
|
57 240
+16%
|
66 066
+15%
|
78 752
+19%
|
108 987
+38%
|
126 592
+16%
|
142 177
+12%
|
152 716
+7%
|
164 048
+7%
|
187 581
+14%
|
|
| Equity | |||||||||||||||||||||||||
| Common Stock |
1
|
1
|
326
|
330
|
348
|
802
|
802
|
829
|
837
|
2 178
|
3 185
|
5 590
|
260
|
208
|
175
|
152
|
114
|
83
|
74
|
57
|
52
|
50
|
44
|
43
|
|
| Retained Earnings |
48
|
59
|
102
|
143
|
216
|
315
|
415
|
601
|
907
|
1 276
|
2 002
|
2 939
|
4 130
|
5 700
|
7 772
|
10 330
|
13 153
|
15 950
|
19 850
|
24 190
|
30 046
|
32 386
|
37 922
|
45 383
|
|
| Additional Paid In Capital |
343
|
326
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
5 511
|
5 648
|
5 648
|
5 648
|
5 648
|
5 648
|
5 648
|
5 648
|
5 648
|
5 648
|
5 648
|
5 648
|
|
| Treasury Stock |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
243
|
192
|
174
|
|
| Other Equity |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
24
|
16
|
3
|
2
|
16
|
81
|
7
|
64
|
12
|
24
|
5
|
8
|
21
|
19
|
79
|
109
|
18
|
|
| Total Equity |
391
N/A
|
386
-1%
|
428
+11%
|
473
+11%
|
564
+19%
|
1 117
+98%
|
1 217
+9%
|
1 406
+16%
|
1 728
+23%
|
3 451
+100%
|
5 185
+50%
|
8 513
+64%
|
9 982
+17%
|
11 564
+16%
|
13 659
+18%
|
16 118
+18%
|
18 892
+17%
|
21 676
+15%
|
25 581
+18%
|
29 915
+17%
|
35 766
+20%
|
37 920
+6%
|
43 531
+15%
|
50 882
+17%
|
|
| Total Liabilities & Equity |
409
N/A
|
434
+6%
|
511
+18%
|
805
+58%
|
1 251
+55%
|
2 192
+75%
|
2 936
+34%
|
4 969
+69%
|
9 488
+91%
|
14 440
+52%
|
23 622
+64%
|
38 347
+62%
|
46 191
+20%
|
53 916
+17%
|
62 946
+17%
|
73 358
+17%
|
84 957
+16%
|
100 428
+18%
|
134 568
+34%
|
156 507
+16%
|
177 943
+14%
|
190 636
+7%
|
207 579
+9%
|
238 464
+15%
|
|
| Shares Outstanding | |||||||||||||||||||||||||
| Common Shares Outstanding |
71
|
67
|
73
|
76
|
76
|
87
|
87
|
88
|
88
|
99
|
103
|
114
|
115
|
116
|
116
|
116
|
116
|
116
|
116
|
116
|
116
|
115
|
115
|
115
|
|
| Preferred Shares Outstanding |
0
|
0
|
0
|
0
|
0
|
0
|
2
|
2
|
2
|
3
|
3
|
3
|
3
|
2
|
2
|
2
|
1
|
1
|
1
|
1
|
1
|
1
|
0
|
0
|
|