Capitec Bank Holdings Limited · JSE:CPI
Capitec Bank — Shareholder Meeting (2026)
32 slides from Capitec Bank's shareholder meeting presentation, 2026
Slide 1: Annual General Meeting 2026
@) cCAPITEC 2026 Annual General Meeting e).. years of making a meaningful difference
Slide 2: 25 Years: Our culture is our strength
25 Years Our culture is our strength
Slide 3: 26 million reasons to bank on us
26 million reasons to bank on us v AGM 2026
Slide 4: Resilient by design
Resilient by design Risk Our business Efficiency is Resilience management is model thrives in our DNA comes from our core on diversity and simple solutions strength opportunity
Slide 5: Driving every decision for 25 years
Driving every decision for 25 years Our founding purpose To make a meaningful difference in people’s lives, empowering them to grow Our ambition, to be the bank for 95% of South Africans Personal Simplicity Accessibility Affordability experience Client first Energy Ownership
Slide 6: We don't ask / Instead we ask
We don’t ask Instead we ask How do we increase fees How can we save our for clients? clients money? How do we segregate How we grow by expanding our clients? access for all? How do we complicate things How can we simplify to earn our so nobody asks questions? client's trust? How do we reduce the How
Slide 7: Our strength lies in growing our own talent
Our strength lies in growing our own talent Headcount 17 944 Attrition • 96% of new hires are 7.4% equity and 64% are female Internal hire rate • 484 bursaries and graduate development 74% • 1 132 learnerships New hires 89% youth *Excl. AvaFin For the period June 2025 – June 2026
Slide 8: Growing the community we serve
Growing the community we serve Education-led social Capitec Foundation: Nationwide employee Scaling digital investment Improving maths volunteer model financial education R75.9 million invested Our whole school approach 1 034 programmes delivered 3.7 million MoneyUp courses in education across the r
Slide 9: Our results
Our results
Slide 10: Reliably delivering results
Reliably delivering results +18% to R14.1 billion Net interest income after Headline +18% to R6.1 billion Fintech: Value-Added credit impairments earnings Services and Connect +19% to R28.3 billion Non-interest income from 67% +23% to R16.8 billion +38% to R5.2 billion Net insurance income 67%
Slide 11: More value through scale and technology
More value through scale and technology R228m R330m R1bn Simplified, Lower Connect reduced fees data prices R213m in client savings R108m Reduced card machine Connect data and pricing and commission Capitec Rewards R61m R107m Zero international card 1% cash back on fees and forex margin Credit Card
Slide 12: Our platform powers diversified growth
Our platform powers diversified growth 41% Personal Banking 5% Headline earnings: R6.9bn Business Banking Headline earnings: R871m 26m clients 1% 866 branches AvaFin 8 771 ATMs Headline earnings: R128m 27% Insurance 26% Headline earnings: R4.5bn Fintech Headline earnings: R4.4bn
Slide 13: 26 million clients across a growing ecosystem
26 million clients across a growing ecosystem Four months growth from 28 Feb to 30 Jun 2026 26m Total active – up 2% 16m Active on app – up 5% Year-to-date highlights Business and entrepreneurs up 30% in 4 months 187 000 Entrepreneurs since launch in Dec’25 13m VAS – up 5% Continued growth across d
Slide 14: Building the most trusted brand
Building the most trusted brand
Slide 15: Digital innovation keeps our clients safe
Digital innovation keeps our clients safe Data from July 2025 to June 2026 Intelligent screening of every beneficiary in real-time 113 410 Saved clients over Clients protected through fraud alerts R699m
Slide 16: Keeping our clients safe
Keeping our clients safe Coming Coming New New soon soon A Secure Safe Malware Protection Trusted Approver Geo Payments
Slide 17: How we use AI to build trust
How we use AI to build trust Cybersecurity Governance Fraud prevention Service delivery Empower everybody
Slide 18: Making a meaningful difference
Making a meaningful difference
Slide 19: Making Smart IDs more accessible
New Making Smart IDs more accessible 16 million South Africans still have a green ID book
Slide 20: Community savings at scale
New Community savings at scale More than 11 million people save through over 800 000 stokvels in SA with over R50 billion in value
Slide 21: A smarter way to stay connected
New A smarter way to stay connected 1.5 million active Capitec Connect clients can now call each other for free
Slide 22: Online Banking
Coming soon Online Banking Elevating your experience and improving security
Slide 23: Finding opportunities to serve
Finding opportunities to serve Airport lounge Bus tickets Smartphone offering Cross border transfers
Slide 24: Backing South Africa's entrepreneurs
New Backing South Africa’s entrepreneurs Over 4 million formal and informal businesses are underserved by complex banking geared for big companies
Slide 25: Business clients have grown 30% since year-end
Business clients have grown 30% since year-end New Jun 26: 593k 1 Mar 24 1 Mar 25 Dec 25 Rebrand Fee simplification Entrepreneur Account Feb 26: 456k Feb 25: 266k Feb 24: 174k FY25 FY26 FY27 *Entrepreneurs are included as part of Personal Banking clients since launch in December 2025
Slide 26: Runway for Growth
Runway for Growth
Slide 27: Personal Banking market share
Personal Banking market share 5% 13% 2% 1.4% Personal credit Savings Insurance Capitec Connect Consumer lending Fixed and notice deposits Active Life Cover policies Subscriber base in SA
Slide 28: Business Banking market share
Business Banking market share 5% 3% 2% Business Banking Business credit Business deposits Headline earnings Secured and unsecured Call, Current, Notice and lending other savings accounts
Slide 29: Our Future... Beyond Banking
Our Future... Beyond Banking
Slide 30: Beyond Banking
Beyond Banking Client Insights and Media Solutions Business Banking Leading Payment Provider Beyond Borders Personal Banking Emerging Markets Embedded Finance and… Most Trusted Brand Connect and Insure PROTECT AND GROW ACCELERATE INCUBATE THE FUTURE CEO Culture | AI, Data and Insights | Single-Servi
Slide 31: Thank you
Thank you Our clients | Our shareholders | The Capitec team | The executive team | The board For sharing in our journey and supporting our aspirations 31
Slide 32: We're here to connect with you
We’re here to connect with you Graham Lee Henk Lourens Basani Maluleke Karl Kumbier Deepesh Desai Grant Hardy Francois Viviers Group CEO Strategic Initiatives Personal Banking Business Banking Insurance Finance Marketing and CX Wim de Bruyn Rizwana Butler Ismail Moola Andrew Baker Thato Mmaditla Bre