Capitec Bank Q1 FY2025: Strong Capital and Liquidity, Avafin Stake Boost

  • Capitec Bank Holdings reports strong capital adequacy ratios for Q1 FY2025.
  • Liquidity coverage and stable funding ratios exceed regulatory requirements.
  • Acquisition of majority stake in Avafin Holding Limited enhances international presence.

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.

RatioCapitec Group (%)Capitec Bank (%)
CET136.132.9
Tier 1 (T1)36.132.9
Tier 2 (T2)36.933.8
Total Regulatory Capital36.933.8

Liquidity Coverage Ratio (LCR)

Capitec maintained a healthy liquidity position with LCR percentages above regulatory requirements.

RatioCapitec Group (%)Capitec Bank (%)
Actual LCR23652366
Required LCR100100

Net Stable Funding Ratio (NSFR)

Capitec Group surpassed required stable funding ratios, indicating strong funding stability.

RatioCapitec Group (%)Capitec Bank (%)
Actual NSFR218.5219.0
Required NSFR100100

Leverage Ratio

Capitec Group’s leverage ratio for Q1 FY2025 reflects prudent balance sheet management.

RatioCapitec Group (%)Capitec Bank (%)
Leverage Ratio18.716.9

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.