Capitec Bank Holdings Limited, a key player in South Africa’s banking sector, disclosed its quarterly financial performance in accordance with Basel regulations.
Capital Adequacy Ratios
Capitec Group and Capitec Bank displayed robust capital adequacy ratios for the first quarter of FY2025.
| Ratio | Capitec Group (%) | Capitec Bank (%) |
|---|---|---|
| CET1 | 36.1 | 32.9 |
| Tier 1 (T1) | 36.1 | 32.9 |
| Tier 2 (T2) | 36.9 | 33.8 |
| Total Regulatory Capital | 36.9 | 33.8 |
Liquidity Coverage Ratio (LCR)
Capitec maintained a healthy liquidity position with LCR percentages above regulatory requirements.
| Ratio | Capitec Group (%) | Capitec Bank (%) |
|---|---|---|
| Actual LCR | 2365 | 2366 |
| Required LCR | 100 | 100 |
Net Stable Funding Ratio (NSFR)
Capitec Group surpassed required stable funding ratios, indicating strong funding stability.
| Ratio | Capitec Group (%) | Capitec Bank (%) |
|---|---|---|
| Actual NSFR | 218.5 | 219.0 |
| Required NSFR | 100 | 100 |
Leverage Ratio
Capitec Group’s leverage ratio for Q1 FY2025 reflects prudent balance sheet management.
| Ratio | Capitec Group (%) | Capitec Bank (%) |
|---|---|---|
| Leverage Ratio | 18.7 | 16.9 |
Strategic Investments
Capitec expanded its portfolio with a majority stake acquisition in Avafin Holding Limited, enhancing its international presence.
Conclusion
Capitec Bank Holdings showcases resilience with robust capital, liquidity, and leverage ratios, underpinning its strong financial health in Q1 FY2025.
