CAPITEC BANK HOLDINGS LIMITED - Unaudited Consolidated Financial Results & Ordinary Cash Dividend Declaration For The 6 Months Ended 31 August 2025

Unaudited Consolidated Financial Results & Ordinary Cash Dividend Declaration For The 6 Months Ended 31 August 2025

CAPITEC BANK HOLDINGS LIMITED
Registration number: 1999/025903/06
Registered bank controlling company
Incorporated in the Republic of South Africa
JSE ordinary share code: CPI
ISIN code: ZAE000035861
JSE preference share code: CPIP
ISIN code: ZAE000083838
("Capitec" or "the Company" or "the
Group")



UNAUDITED CONDENSED CONSOLIDATED FINANCIAL RESULTS AND ORDINARY
CASH DIVIDEND DECLARATION FOR THE 6 MONTHS ENDED 31 AUGUST 2025



1.   SALIENT FEATURES

     Operating profit before tax increased by 26% to R10.472 billion, from R8.309 billion in
     the comparative period.

     Headline earnings per share increased by 26% to 6 962 cents, from 5 544 cents in the
     comparative period.

     Earnings per share increased by 24% to 6 927 cents, from 5 567 cents in the
     comparative period.

     Interim ordinary dividends increased by 26% to 2 620 cents per share, from 2 085 cents
     per share in the comparative period.

     The total equity increased by 17% to R53.798 billion, from R45.958 billion in the
     comparative period.

2.   DIVIDEND

     The directors resolved that a gross interim dividend of 2 620 cents per ordinary share be
     declared for the 6 months ended 31 August 2025 (31 August 2024: 2 085 cents). The
     dividend will be paid on Monday, 27 October 2025. There are 116 099 843 ordinary
     shares in issue.

     The dividend meets the definition of a dividend in terms of the Income Tax Act, Act 58 of
     1962. The dividend amount, net of South African dividend tax of 20%, is 2 096 cents per
     share. The distribution is made from income reserves. Capitec's tax reference number is
     9405376840.

     Last day to trade cum dividend - Tuesday, 21 October 2025
     Trading ex-dividend commences - Wednesday, 22 October 2025
     Record date - Friday, 24 October 2025
     Payment date - Monday, 27 October 2025

     Share certificates may not be dematerialised or rematerialised from Wednesday,
     22 October 2025 to Friday, 24 October 2025, both days inclusive.

     In terms of the Company's memorandum of incorporation, dividends will only be
     transferred electronically to the bank accounts of certificated shareholders, as dividend
     cheques are no longer issued. In instances where certificated shareholders do not
     provide the transfer secretaries with their banking details, the dividend will not be
     forfeited, but will be marked as 'unclaimed' in the dividend register until the shareholder
     provides the transfer secretaries with the relevant banking details for payout.

3.   SHORT-FORM ANNOUNCEMENT

     This short-form announcement is the responsibility of the directors of the Company. It
     contains only a summary of the information in the full announcement ("Full
     Announcement") and does not contain full or complete details. The Full Announcement
     can be found at:
     https://senspdf.jse.co.za/documents/2025/JSE/ISSE/CPI/CPIHY26.pdf

     The Full Announcement is also available for viewing on the Company's website at
     https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-
     results/2026/interim-results/CPIHY26.pdf.

     Any investment decisions by investors and/or shareholders should be based on
     consideration of the Full Announcement, as a whole.

4.   RESULTS PRESENTATION

     Shareholders are reminded that Capitec will be hosting a virtual presentation at
     08:00 am SAST on Wednesday, 1 October 2025 to present the results to investors.

     Presentation details:
     - View and listen mode
       Links: https://www.capitecbank.co.za/investor-relations/financial-results/2026/ or
       https://youtube.com/live/zKUpOeBA9b8
     - Presentation slides will be available prior to the presentation at:
       https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-
       results/2026/interim-results/results-presentation-2026.pdf

     Questions and Answers ("Q&A") facility:
     - A Q&A facility will be available during and after the presentation
     - E-mail questions during or after the presentation to:
       InvestorRelations@capitecbank.co.za

Stellenbosch
1 October 2025

Sponsor
PSG Capital  

Date: 01-10-2025 07:05:00
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