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14-Sep-2018
(Official Notice)
S-P affirmed all of the credit ratings of Capitec Bank, the wholly owned subsidiary of Capitec. The long-term global ratings are ?BB? and the short-term global ratings ?B?. The outlook is stable. The South African national scale ratings are affirmed as ?zaAA? long-term and ?zaA-1+? short-term.



S-P mention in their research update issued on 13 September 2018, that their expectation is ?the bank?s asset quality, profitability and capitalisation will remain broadly stable over the next 12 months.?
06-Sep-2018
(Official Notice)
The advised that a reasonable degree of certainty exists that for the half year ended 31 August 2018:

- headline earnings per share will be between 2 087 cents and 2 140 cents per share, representing an increase of between 18% and 21% compared to the 1769 cents per share reported in the previous period ended 31 August 2017; and

- earnings per share will be between 2 089 cents and 2 142 cents per share, representing an increase of between 18% and 21% compared to the 1770 cents per share reported in the previous period ended 31 August 2017.



The financial results for the half year ended on 31 August 2018 are expected to be published on or about 26 September 2018.
06-Sep-2018
(Official Notice)
Investors are advised, in accordance with the Terms and Conditions of Capitec Bank?s R8 000 000 000 Domestic Medium Term Note Programme dated 25 April 2008, of the full capital redemption of the CBL12 notes effective 6 September 2018.
31-Aug-2018
(Official Notice)
The directors of Capitec approved and declared a preference share dividend of 421.67 cents per share in respect of the six months ended on 31 August 2018. Payment will be effected on Tuesday, 25 September 2018.



The following information is disclosed in terms of paragraphs 11.17(a) (i) to (ix) and 11.17(c) of the JSE Listings Requirements:

? The cash distribution is a dividend as defined in terms of the Income Tax Act (Act 58 of 1962)

? The South African dividend tax rate is 20%

? The gross dividend amount is 421.67 cents per share

? The dividend amount net of South African dividend tax of 20% is 337.33600 cents per share

? Capitec has 1 185 298 non-redeemable, non-cumulative, non-participating preference shares in issue

? The distribution is made from income reserves

? Capitec?s tax reference number is 9405/376/84/0



The salient dates for the payment of the preference share dividend are set out below:

Last day to trade cum-dividend : Tuesday, 18 September 2018

Trading ex-dividend commences : Wednesday, 19 September 2018

Record date : Friday, 21 September 2018

Payment date : Tuesday, 25 September 2018



Share certificates may not be dematerialised or rematerialised from Wednesday, 19 September 2018 to Friday, 21 September 2018, both days inclusive.
03-Jul-2018
(Official Notice)
S-P has raised the national scale long-term credit ratings of Capitec Bank, the wholly owned subsidiary of Capitec, to ?zaAA? from ?zaAA-?. This change was effected by S-P after ?the revision of its criteria on national scale ratings and subsequent recalibration of the mapping table for South Africa?.



All other ratings remained unchanged. The global scale long- term rating remains ?BB? with a stable outlook. The global scale short-term rating remains ?B? whilst the national scale ratings remains ?zaA-1+?.
29-Jun-2018
(Official Notice)
All Summit assisted and initiated court and NCR cases involving Capitec have been withdrawn. The principle contention in these cases was against the multi loan product which Capitec discontinued in February 2016. Both parties have agreed to work together in improving the unsecured lending industry for the benefit of all South Africans. This initiative will include programs to improve consumer financial literacy, providing effective consumer debt relief solutions and building consumer financial capability. We believe that this is an important joint step in bringing positive change in the South African credit industry.
18-Jun-2018
(Official Notice)
Shareholders are advised that Capitec Bank, the wholly-owned subsidiary of Capitec has made a non-binding offer to purchase Mercantile. Mercantile?s core business offer is business banking to small- to medium-sized enterprises and entrepreneurs. The shareholder of Mercantile, Caixa Geral de Depositos, S.A., a Portuguese bank, wishes to divestment from non-core operations outside of Portugal, of which Mercantile is one such investment.



Capitec Bank is one of a number of interested parties whose non-binding offer to purchase Mercantile has been accepted. Capitec Bank will now commence with a formal, in-depth due diligence exercise to determine whether the opportunity presented by Mercantile fulfils Capitec Bank?s expectation to build the Capitec Bank business bank strategy.



Capitec will keep the market informed of developments as and when appropriate. Any proposed transaction will be subject to regulatory authority approvals.



Capitec continues to investigate strategic opportunities to enhance shareholder value and deliver to its commitment to the market in offering affordable, simple and transparent banking services.
28-May-2018
(Official Notice)
Shareholders are hereby advised that the annual general meeting of the company was held on Friday, 25 May 2018 at 14:30 at Molenvliet Wine - Guest Estate, Old Banhoek Road, Helshoogte Pass, Stellenbosch (?AGM?). All resolutions proposed in the notice of the AGM were approved by the requisite number of votes.
26-Apr-2018
(Official Notice)
Noteholders were advised that the Company?s annual financial statements for the year ended 28 February 2018, are available on the Company?s website at www.capitecbank.co.za/investor-relations/bond-programme or may be requested and obtained in person, at no charge, at the registered office of the Company during office hours.
24-Apr-2018
(Official Notice)
Shareholders are advised that the integrated annual report for the year ended 28 February 2018 containing the audited annual financial statements of the company is now available on the company?s website at www.capitecbank.co.za/investor- relations/financial-results/2018



A summary of the Capitec Group?s audited consolidated annual financial statements, including that of the company, and the notice of the annual general meeting of the company are being dispatched to shareholders on Tuesday, 24 April 2018. There have been no modifications to the audited results which were announced on SENS on Tuesday, 27 March 2018. An abridged report will therefore not be published.



Notice of annual general meeting

Notice is hereby given that the 2018 annual general meeting of the shareholders of Capitec will be held at MolenVliet Wine - Guest Estate, Old Banhoek Road, Helshoogte Pass, Stellenbosch on Friday, 25 May 2018, at 14:30 to transact the business set out in the notice of the annual general meeting. The notice of the 2018 annual general meeting of Capitec is also available on the company?s website at www.capitecbank.co.za/investor-relations/shareholder- centre



The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2018 annual general meeting will be Friday, 18 May 2018 with the last day to trade being Tuesday, 15 May 2018.

23-Apr-2018
(Official Notice)
Notice was given that the Company?s annual compliance report in terms of section 13G(2) of the Act has been published and is available on the Company?s website at : www.s3.eu-central- 1.amazonaws.com/capitecweb/b-bbee_certificate_-_capitec_bank_limited_2018.pdf
27-Mar-2018
(C)
Lending, investment and insurance income for the year increased to R17.3 billion (2017: R16.1 billion), net income jumped to R12.5 billion (2017: R10.7 billion), profit for the year climbed to R4.5 billion (2017: R3.8 billion), while headline earnings per share grew by 18% to 3 858 cents per share (2017: 3 281 cents per share).



Dividend

The directors declared a final gross dividend of 945 cents per share on 26 March 2018, bringing the total dividends for the 2018 financial year to 1 470 cents per share.



Company prospects

Sustained focus on our fundamentals will keep us on course to become the best retail bank in the world.

05-Mar-2018
(Official Notice)
The board advises that a reasonable degree of certainty exists that for the year ended 28 February 2018:

* headline earnings per share will be between 3 806 cents and 3 904 cents per share, representing an increase of between 16% and 19% compared to the 3 281 cents per share reported in the prior year; and

* earnings per share will be between 3 802 cents and 3 901 cents per share, representing an increase of between 16% and 19% compared to the 3 278 cents per share reported in the prior year.



The financial results for the year ended 28 February 2018 are expected to be published on or about 27 March 2018.
28-Feb-2018
(Official Notice)
The directors of Capitec have approved and declared a preference share dividend of 423.56 cents per share in respect of the six months ended on 28 February 2018. Payment will be effected on Monday, 26 March 2018.



The following information is disclosed in terms of paragraphs 11.17(a)(i) to (ix) and 11.17(c) of the Listings Requirements:

*The cash distribution is a dividend as defined in terms of the Income Tax Act (Act 58 of 1962)

*The South African dividend tax rate is 20%

*The gross dividend amount is 423.56 cents per share

*The dividend amount net of South African dividend tax of 20% is 338.84800 cents per share

*Capitec has 1 249 707 non-redeemable, non-cumulative, non-participating preference shares in issue

*The distribution is made from income reserves

*Capitec?s tax reference number is 9405/376/84/0



The salient dates for the payment of the preference share dividend are set out below:

*Last day to trade cum-dividend - Monday, 19 March 2018

*Trading ex-dividend commences - Tuesday, 20 March 2018

*Record date - Friday, 23 March 2018

*Payment date - Monday, 26 March 2018



Share certificates may not be dematerialised or rematerialized from Tuesday, 20 March 2018 to Friday, 23 March 2018, both days inclusive.

08-Feb-2018
(Official Notice)
05-Feb-2018
(Official Notice)
05-Feb-2018
(Official Notice)
02-Feb-2018
(Official Notice)
The company refers to a SENS announcement on Thursday, 1 February 2018 directing shareholders to Capitec?s website for the company?s response to Benguela Global Fund Managers? (?BGFM?) concerns relating to a number of matters. Capitec advises that Capitec?s CFO, Andr? du Plessis has had a successful meeting with the BGFM team on Friday, 2 February 2018.



Capitec advises that the BGFM team is satisfied with Capitec?s response as set out in their same dated response. The full body of the letter is included.



Refer to Capitec's website for this letter at www.capitecbank.co.za/investor-relations

01-Feb-2018
(Official Notice)
Benguela Global Fund Managers sent a letter to Capitec?s CFO on 19 January 2018 and requested a reply by 5 February 2018. The letter deals mainly with initiation fees, rescheduling, provisioning, reported performance, social concerns and corporate governance. We have responded in detail to their letter. Since their letter was made public before we could respond, we were compelled to publish our response in the public domain. Refer to our website for their letter and our response at https://www.capitecbank.co.za/investor-relations.
01-Feb-2018
(Official Notice)
S-P Global Ratings released the following bulletin on 31 January 2018:



?S-P Global Ratings said today that its ratings on South Africa-based Capitec Bank Ltd. (BB/Stable/B) are not affected by an investment report published by Viceroy Research on Jan. 30, 2018, or by the market?s reaction to the report.



In the report, Viceroy Research requests that the South African Reserve Bank place Capitec under immediate curatorship and alleges that the value of Capitec's loan book is "massively overstated." The market's reaction was significant, with the bank's share price losing over 20% before recovering after the South African Reserve Bank released a statement defending the soundness of the bank's capitalization and liquidity. To date, the bank has experienced only mild funding outflows and its liquidity remains sound.



Our ratings on the bank continue to reflect those on South Africa (foreign currency BB/Stable/B), as well as the bank?s strong capitalization and conservative reserving, which is appropriate for high normalized credit losses. We also factor in the bank?s good earnings stability for a monoline unsecured consumer lender?.
31-Jan-2018
(Official Notice)
30-Jan-2018
(Official Notice)
Shareholders are hereby advised that Capitec conducted an investor call today to discuss the main issues raised in the Viceroy report. A replay of the call will be available from 7 pm tonight, and will remain available for 7 days thereafter. Shareholders that wish to listen to the replay should use the following dial-in details:

United Kingdom: 0121 260 4861

United States: 1 844 2308 058

All other locations: + 44 121 260 4861



Replay code: 972853 followed by #

The replay is NOT for media representatives.

30-Jan-2018
(Official Notice)
30-Jan-2018
(Official Notice)
Capitec received a copy of the Viceroy research report on Capitec at 10 am this morning. Shareholders are advised that Capitec has not been approached by Viceroy for insight into our business and none of their allegations have been discussed, tested or verified with management. We believe our corporate governance is strong and our communications and disclosures are, and always have been transparent, clear and to the point. On the face of it, the report is filled with factual errors, material omissions in respect of legal proceedings against Capitec and opinions that are not supported by accurate information. We are reviewing the report in detail and will respond to it in detail later today.
08-Dec-2017
(Official Notice)
03-Oct-2017
(Official Notice)
Noteholders are hereby advised that the Company?s interim results for the six months ended 31 August 2017, are available on the Company?s website at www.capitecbank.co.za or may be requested and obtained in person, at no charge, at the registered office of the Company during office hours.
27-Sep-2017
(C)
Lending and investment income for the period increased to R8.628 billion (2016: R7.926 billion), profit for the year rose to R2.054 billion (2016: R1.759 billion), while headline earnings per share grew to 1 769 cents per share (2016: 1 517 cents per share).



Interim dividend

The directors declared a gross interim dividend for the 6 months ended 31 August 2017 of 525 cents per ordinary share on Tuesday, 26 September 2017. The dividend will be paid on Monday, 23 October 2017. There are 115 626 991 ordinary shares in issue.



Company prospects

We believe that our DNA of client centric values, energy and ownership in everything we do, achieves personal service that ensures long-lasting relationships with our clients. We believe that this approach gives us a competitive edge.



The real value we generate for our clients through personal service and delivery of affordable, accessible financial solutions drives the growth of our company.



Investing in our people and infrastructure supports this growth and allows us the opportunity to create jobs, stimulate the economy and ultimately transform the country in which we live.
06-Sep-2017
(Official Notice)
The board advised that a reasonable degree of certainty exists that for the half year ended 31 August 2017:

- headline earnings per share will be between 1745 cents and 1790 cents per share, representing an increase of between 15% and 18% compared to the 1517 cents per share reported in the previous period ended 31 August 2016; and

- earnings per share will be between 1741 cents and 1787 cents per share, representing an increase of between 15% and 18% compared to the 1514 cents per share reported in the previous period ended 31 August 2016.



The financial results for the half year ended on 31 August 2017 are expected to be published on or about 27 September 2017.
31-Aug-2017
(Official Notice)
The directors of Capitec approved and declared a preference share dividend of 438.68 cents per share in respect of the six months ended on 31 August 2017. Payment will be effected on Tuesday, 26 September 2017.



The salient dates for the payment of the preference share dividend are set out below:

*Last day to trade cum-dividend - Tuesday, 19 September 2017

*Trading ex-dividend commences - Wednesday, 20 September 2017

*Record date - Friday, 22 September 2017

*Payment date - Tuesday, 26 September 2017



Share certificates may not be dematerialised or rematerialized from Wednesday, 20 September until Friday, 22 September 2017, both days included.
27-Jul-2017
(Media Comment)
According to Business Report, Capitec, South Africa's third largest retail bank, is not only one of the fastest growing bank brands, but the fastest growing brand overall, according to a report released by Brand Finance, a branded business valuation consultancy. The Brand Finance survey named Capitec, whose value grew by the 25 percent to R5 billion, as one of the strongest brands in the country.
05-Jul-2017
(Official Notice)
In accordance with paragraph 16.20(g)and Appendix 1 to Section 11 of the JSE Listing Requirements, notice is hereby given that the Company?s annual compliance report in terms of section 13G(2) of the Act is available on the Company?s website at www.commondatastorage.googleapis.com/capitecbank-co- za/capitec_bank_2017_b-bbee_certificate.pdf.
29-May-2017
(Official Notice)
Shareholders are hereby advised that the Annual General Meeting of the Company was held on Friday, 26 May 2017 at The Cooperage, Anura Vineyards, off Simondium Road, Klapmuts, 7625 (?AGM?). All resolution proposed in the Notice of the AGM were approved by the requisite number of votes.
26-Apr-2017
(Official Notice)
Shareholders are advised that the integrated annual report for the year ended 28 February 2017 containing the audited annual financial statements of the company (?Capitec 2017 integrated report?) is now available on the company?s website at www.capitecbank.co.za/investor_relations.



A summary of the Capitec group?s audited consolidated annual financial statements, including that of the company, and the notice of the annual general meeting of the company are being dispatched to shareholders today, 26 April 2017. There have been no modifications to the audited results which were announced on SENS on Tuesday, 28 March 2017. An abridged report will therefore not be published.



AGM notice

Notice is hereby given that the 2017 annual general meeting of the shareholders of Capitec will be held at The Cooperage, Anura Vineyards, off Simondium Road, Klapmuts, on Friday, 26 May 2017, at 14:30 to transact the business set out in the notice of the annual general meeting. The notice of the 2017 annual general meeting of Capitec is also available on the company?s website at www.capitecbank.co.za/investor_relations/shareholder_cent re. The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2017 annual general meeting will be Friday, 19 May 2017 with the last day to trade being Tuesday, 16 May 2017.
13-Apr-2017
(Official Notice)
Noteholders are hereby advised that the company?s annual financial statements for the year ended 28 February 2017, are available on the company?s website at or may be requested and obtained in person, at no charge, at the registered office of the company during office hours.

07-Apr-2017
(Official Notice)
Shareholders are hereby advised that Ms Lindiwe Angela Dlamini and Mr Kabelo Makwane have been appointed to the boards of Capitec and Capitec Bank with effect from 6 April 2017.
28-Mar-2017
(C)
Lending and investment income for the year increased to R16.071 billion (2016: R14.019 billion), net income rose to R10.679 billion (2016: R9.063 billion), profit for the year climbed to R3.806 billion (2016: R3.228 billion), while headline earnings per share grew 18% to 3 281 cents per share (2016: 2 787 cents per share).



Dividend

The directors declared a final gross dividend of 800 cents per ordinary share on 27 March 2017, bringing the total dividends for the year to 1 250 cents per share. There are 115 626 991 ordinary shares in issue.



Company prospects

We continue to grow our client numbers, branches and ATM network. This will provide us with the opportunity to offer new financial services in the future. New products will continue to have the same foundation of simplicity and affordability as our other products. Our strategy to increase self-service and digital banking will result in improved capacity and efficiencies in the branches.



On 24 March 2017, we announced our investment in Cream Finance Holding Ltd. ('Creamfinance'). Creamfinance is a leading online technology-driven consumer loans company, offering multiple credit products across international markets. We will acquire an interest of 40% for EUR21 million in three tranches at nine-month intervals, subject to specific agreed performance measures being met. We are excited about this investment and the opportunities it presents for us as we expand our interests beyond the borders of South Africa. We continue to pursue our strategy to be the best retail bank.



Annual General Meeting

Notice is hereby given that the annual general meeting of the shareholders of Capitec will be held on Friday, 26 May 2017. The detailed notice will be available from 26 April 2017 at www.capitecbank.co.za/investor-relations/shareholders-centre.
24-Mar-2017
(Official Notice)
06-Mar-2017
(Official Notice)
In accordance with the company?s custom to keep shareholders informed, the board advises that a reasonable degree of certainty exists that for the year ended 28 February 2017:



*headline earnings per share will be between 3 233 cents and 3 317 cents per share, representing an increase of between 16% and 19% compared to the 2 787 cents per share reported in the prior year; and

*earnings per share will be between 3 224 cents and 3 307 cents per share, representing an increase of between 16% and 19% compared to the 2 779 cents per share reported in the prior year.



The financial information on which this voluntary trading statement is based has not been reviewed and reported on by Capitec?s auditors. The financial results for the year ended 28 February 2017 are expected to be published on or about 28 March 2017.





28-Feb-2017
(Official Notice)
The directors of Capitec have approved and declared a preference share dividend of 433.89 cents per share in respect of the six months ended on 28 February 2017. Payment will be effected on Monday, 20 March 2017.



The following information is disclosed in terms of paragraphs 11.17(a) (i) to (ix) and 11.17(c) of the Listings Requirements:

- The cash distribution is a dividend as defined in terms of the Income Tax Act (Act 58 of 1962)

- The South African dividend tax rate is 20%

- The gross dividend amount is 433.89 cents per share

- The dividend amount net of South African dividend tax of 20% is 347.112 cents per share

- Capitec has 1 672 844 non-redeemable, non-cumulative, non-participating preference shares in issue

- The distribution is made from income reserves

- Capitec?s tax reference number is 9405/376/84/0



The salient dates for the payment of the preference share dividend are set out below:

Last day to trade cum-dividend - Tuesday, 14 March 2017

Trading ex-dividend commences - Wednesday, 15 March 2017

Record date - Friday, 17 March 2017

Payment date - Monday, 20 March 2017



Share certificates may not be dematerialised or rematerialised from Wednesday, 15 March 2017 to Friday, 17 March 2017, both days inclusive.
17-Feb-2017
(Official Notice)
02-Feb-2017
(Media Comment)
According to Business Report, Capitec is the most popular bank in the country with at least 120 000 new customers opening bank accounts every month. According to research conducted by Nielsen, Capitec has become the favoured bank and primary lender with more clients than some older established banks making it the third largest retail bank in the country. Customers are choosing Capitec because of the bank's simplified approach and affordable prices with customers paying less than R50 in banking costs per month. Research by Nielsen showed that 29% of banking customers chose Capitec as their primary bank which is more than other banks. Capitec now operates 800 branches and employs 13 000 staff and aims to increase its distribution owing to customer demand.

18-Nov-2016
(Official Notice)
03-Oct-2016
(Official Notice)
27-Sep-2016
(Official Notice)
Capitec and its subsidiaries (?group?), have complied with Regulation 43 of the Regulations relating to banks, which incorporates the requirements of Basel.



In terms of Pillar 3 of the Basel rules, the consolidated group is required to disclose quantitative information on its capital adequacy and liquidity ratios on a quarterly basis. For the complete LCR and leverage ratio calculations refer to the website at www.capitecbank.co.za/investor-relations
27-Sep-2016
(C)
Net interest income for the period increased by 14% to R5.309 billion (2015: R4.668 billion), profit for the period rose by 19% to R1.759 billion (2015: R1.476 billion), while headline earnings per share grew by 19% to 1 517 cents per share (2015: 1 271 cents per share).



Interim dividend

The directors declared a gross interim dividend of 450 cents per ordinary share on Monday, 26 September 2016.



Prospects

The slowdown in South Africa's economic growth will continue to place pressure on consumers. As the increase in Capitec's client numbers over the past six months has shown, clients will continue to seek value and better service from their bank. Capitec will maintain their conservative approach to credit in the current conditions. Capitec remain relentless in the pursuit of continued service excellence and their strategy to be the best retail bank for all South Africans.
21-Sep-2016
(Official Notice)
Shareholders are hereby advised that Ms Jackie Huntley, an independent non-executive director of Capitec and Capitec Bank Ltd. (?Capitec Bank?), the wholly owned banking subsidiary of Capitec (?the companies?), has resigned from the boards of the companies with effect from today, 21 September 2016.
21-Sep-2016
(Official Notice)
Shareholders are hereby advised that Ms Jackie Huntley, an independent non-executive director of Capitec Bank Holdings Ltd. (?Capitec?) and Capitec Bank, the wholly owned banking subsidiary of Capitec (?the companies?), has resigned from the boards of the companies with effect from today, 21 September 2016.
09-Sep-2016
(Official Notice)
S-P Global Ratings affirmed all of the counterparty credit ratings of Capitec Bank, the wholly owned subsidiary of Capitec. The international scale long- and short-term ratings remain at ?BB+/B?. The South African national scale long- and short-term ratings remain constant at ?zaA/zaA-2?. The outlook for these ratings remains negative. S-P state that ?the negative outlook reflects South Africa?s slowdown in economic growth, high inflation, and the positive interest rate cycle, which is placing additional pressure on financial institutions? asset quality and earnings.?
07-Sep-2016
(Official Notice)
In accordance with the Company?s custom to keep shareholders informed, the board advises that a reasonable degree of certainty exists that for the half year ended 31 August 2016:

- headline earnings per share will be between 1487 cents and 1525 cents per share, representing an increase of between 17% and 20% compared to the 1271 cents per share reported in the previous period ended 31 August 2015; and

- earnings per share will be between 1486 cents and 1524 cents per share, representing an increase of between 17% and 20% compared to the 1270 cents per share reported in the previous period ended 31 August 2015.



The financial results for the half year ended on 31 August 2016 are expected to be published on or about 27 September 2016.
31-Aug-2016
(Official Notice)
The directors of Capitec approved and declared a preference share dividend of 440.11 cents per share in respect of the six months ended on 31 August 2016. Payment will be effected on Monday, 26 September 2016.



The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend : Tuesday, 20 September 2016

* Trading ex-dividend commences : Wednesday, 21 September 2016

* Record date : Friday, 23 September 2016

* Payment date : Monday, 26 September 2016



Share certificates may not be dematerialised or rematerialised from Wednesday, 21 September until Friday, 23 September 2016, both days included.
05-Jul-2016
(Official Notice)
Capitec Bank and its subsidiaries (?group?), have complied with Regulation 43 of the Regulations relating to banks, which incorporates the requirements of Basel.



In terms of Pillar 3 of the Basel rules, the consolidated group is required to disclose quantitative information on its capital adequacy and liquidity ratios on a quarterly basis.



The group?s consolidated capital and liquidity positions at the end of the first quarter for the 28 February 2017 financial year end are detailed in the relevant SENS note.



For the complete LCR and leverage ratio calculations refer to the website at www.capitecbank.co.za/investor-relations
02-Jun-2016
(Official Notice)
Shareholders are hereby advised that Mr Nkosana Mashiya, Executive: Risk Management of Capitec and Capitec Bank, the wholly-owned banking subsidiary of Capitec (?the companies?) has been appointed to the boards of the companies in an ex officio capacity with immediate effect.



Nkosana joined Capitec Bank on 1 November 2015. He was the Deputy Registrar of Banks at the South African Reserve Bank since 2011. He was also responsible for the policy framework to guide the prudential supervision and regulation of financial conglomerates in South Africa since 2014 and was acting Managing Director of the Cooperative Bank Development Agency since 2011. Previously he worked at National Treasury as Chief Director: International Finance (2010 to 2011), Chief Director: Financial Sector Development (2006 to 2010) and Director: Banking Development (2002 to 2006). Nkosana started his career as a lecturer at the University of Johannesburg and thereafter, the University of Natal before joining National Treasury.
30-May-2016
(Official Notice)
Shareholders are hereby advised that the Annual General Meeting of the company was held on Friday, 27 May 2016 at The Olive Press, Boschendal Estate, Pniel Road, Groot Drakenstein, Franschhoek, 7690 (?AGM?) and all resolutions were passed by the prerequisite majority.



Change of the Chairman of the board

Shareholders are advised that Mr Michiel le Roux, chairman since 2007 of the boards of Capitec and Capitec Bank Ltd., the wholly-owned banking subsidiary of Capitec (?the companies?), has announced at the AGM that he will retire as chairman of the boards of the companies, with effect from 31 May 2016. He will be succeeded by Mr Riaan Stassen, previously the chief executive officer of the companies, effective 1 June 2016 as the chairman of the boards.



Mr Le Roux will remain on the boards of the companies as a non-executive director.
18-May-2016
(Official Notice)
Noteholders are hereby advised that Capitec Bank?s annual financial statements for the year ended 29 February 2016 are available on the company?s website at https://commondatastorage.googleapis.com/groovy- utilconfigobjectda72725/2016_capitec_bank_annual_financial_statement s.pdf or may be requested and obtained in person, at no charge, at the registered office of the company during office hours.
17-May-2016
(Official Notice)
Shareholders are hereby advised that Mr. Gerrit Pretorius, an independent non-executive director of Capitec and Capitec Bank Ltd, the wholly-owned banking subsidiary of Capitec (?the companies?), has indicated that he will retire from the boards of the companies, effective 31 May 2016.



In accordance with clause 26.3.2 of the memorandum of incorporation of Capitec, Mr Pretorius is included in the group of directors that retire by rotation at the annual general meeting of Capitec scheduled for 27 May 2016 (?AGM?). Accordingly, Mr Pretorius is no longer available for re- election as a director to the board of Capitec at the upcoming AGM.



The boards of the companies thank Mr Pretorius for his valued contributions during his tenure.
28-Apr-2016
(Official Notice)
Shareholders are advised that the integrated annual report for the year ended 29 February 2016 containing the audited annual financial statements of the company (?Capitec 2016 integrated report?) is now available on the company?s website at www.capitecbank.co.za/investor_relations. A summary of the Capitec Group?s audited consolidated annual financial statements, including that of the company, and the notice of the annual general meeting of the company are being dispatched to shareholders today, 28 April 2016. There have been no modifications to the audited results which were announced on SENS on Wednesday, 30 March 2016. An abridged report will therefore not be published.



Notice of annual general meeting

Notice is hereby given that the 2016 annual general meeting of the shareholders of Capitec will be held at The Olive Press, Boschendal Estate, Pniel Road, Groot Drakenstein, Franschhoek on Friday, 27 May 2016, at 14:30 to transact the business set out in the notice of the annual general meeting. The notice of the 2016 annual general meeting of Capitec is also available on the company?s website at www.capitecbank.co.za/investor_relations/shareholder_centre.



The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2016 annual general meeting will be Friday, 20 May 2016 with the last day to trade being Friday, 13 May 2016.
30-Mar-2016
(C)
Interest income for the year increased to R12.475 billion (2015: R10.783 billion). Profit for the period grew to R3.228 billion (2015: R2.564 billion). Furthermore, headline earnings per share was 26% higher at 2 787cps (2015: 2 209cps).



Dividend

The directors declared a final gross dividend of 680 cents per ordinary share on 29 March 2016, bringing the total dividends for the year to 1 055 cents per share.



Prospects

The rapid growth in client numbers ensures that we will continue investing heavily in people, branches and ATMs. We expect difficult economic conditions to persist. We see this as an opportunity to gain more clients as they look for value and better service from their bank.



Capitec Bank is well placed for the regulatory changes on credit agreements. We expect minimal impact on our earnings from these changes. We will strive to improve both ease of access for clients and service standards. Quality of service is a never ending challenge in banking. With a strong brand, a simple and cost-effective product, a conservative approach to credit and a healthy capital adequacy position, the bank remains focussed on the financial needs of South Africans.



17-Mar-2016
(Media Comment)
According to the Business Report, Capitec Bank was ranked the best bank in the world by the Lafferty Group, a banking advisory group based in the UK. The Lafferty Group benchmarked 100 top banks from around the world. Capitec was placed at the top based on its business model quality, sustainability, service and delivery of its brand promise. Capitec is unique because it focuses heavily on customer satisfaction and provides three major products. Analysts agreed that the recognition was well deserved. The Lafferty Group also mentioned that Capitec's 12 month view is that the bank will be buoyant given the challenging economic and regulatory environment in South Africa.
29-Feb-2016
(Official Notice)
The directors of Capitec have approved and declared a preference share dividend of 404.21 cents per share in respect of the six months ended on 29 February 2016. Payment will be effected on Tuesday, 29 March 2016.



The following information is disclosed in terms of paragraphs 11.17(a) (i) to (x) and 11.17(c) of the Listings Requirements:

* The cash distribution is a dividend as defined in terms of the Income Tax Act (Act 58 of 1962)

* The South African dividend tax rate is 15%

* The gross dividend amount is 404.21 cents per share

* The dividend amount net of South African dividend tax of 15% is 343.57850 cents per share

* Capitec has 1 934 701 non-redeemable, non-cumulative, non-participating preference shares in issue

* The distribution is made from income reserves

* Capitec?s tax reference number is 9405/376/84/0



The salient dates for the payment of the preference share dividend are set out below:

*Last day to trade cum-dividend -- Wednesday, 16 March 2016

*Trading ex-dividend commences -- Thursday, 17 March 2016

*Record date -- Thursday, 24 March 2016

*Payment date -- Tuesday, 29 March 2016



Share certificates may not be dematerialised or rematerialised from Thursday, 17 March 2016 to Thursday, 24 March 2016, both days inclusive.
26-Feb-2016
(Official Notice)
08-Feb-2016
(Official Notice)
Capitec hereby advises that a reasonable degree of certainty exists that headline earnings per share and earnings per share for the year ending 29 February 2016 will be between 2717 cents to 2805 cents per share compared to 2209 cents per share reported in the prior year. This represents an increase of between 23% and 27%.



The financial information on which this trading statement is based has not been reviewed and reported on by Capitec?s auditors. The financial results for the financial year ending 29 February 2016 are expected to be published on or about 30 March 2016.



21-Jan-2016
(Official Notice)
Shareholders are advised, in accordance with the JSE Ltd. Debt Listings Requirements, that Capitec Bank has appointed PSG Capital (Pty) Ltd. as debt sponsor with effect from 1 February 2016
13-Jan-2016
(Official Notice)
18-Dec-2015
(Official Notice)
Moody?s Investors Service (?Moody?s?) was notified that Capitec Bank would no longer solicit credit ratings services from them. Moody?s has therefore decided not to rate the bank going forward as opposed to providing credit ratings on an unsolicited basis.



Moody?s credit ratings of the bank will cease from 17 December 2015.



14-Dec-2015
(Official Notice)
Capitec and its subsidiaries (?group?), have complied with the Bank?s Act 1990 (as amended), which incorporates the requirements of the Basel Committee on Banking Supervision (Basel). In terms of Pillar 3 of the Basel rules, the consolidated group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis. For the complete LCR and leverage ratio calculations refer to the website at www.capitecbank.co.za/investor-relations.
10-Dec-2015
(Official Notice)
On 4 December 2015, Standard and Poor?s Ratings Services (?S-P?) revised its outlook on the Republic of South Africa from stable to negative, reflecting a view of protracted weak economic growth, with estimates of 1.4% GDP growth in 2015 and 1.6% in 2016. As a result, S-P has revised its economic risk trend for South Africa from stable to negative.



The effect is that the outlook on the bank?s global scale long-term rating has been changed from stable to negative. The global long-term ?BB+? and short-term ?B? ratings have been affirmed. Simultaneously, the long-term national scale rating of ?zaA? has been affirmed, and the short-term national scale rating has been adjusted from ?zaA-1? to ?zaA-2?, in line with S-P?s ratings criteria.
30-Nov-2015
(Official Notice)
Shareholders are hereby advised that Christian van Schalkwyk, Company Secretary since inception of the Capitec group (Capitec and its subsidiaries) retires effective 30 November 2015. Yoland? Mouton has been appointed as Company Secretary of the Capitec group effective 1 December 2015.
06-Nov-2015
(Official Notice)
13-Oct-2015
(Official Notice)
On 13 October 2015, Standard and Poor?s Ratings Services (?S-P?) assigned international credit ratings to Capitec Bank for the first time. The bank?s global scale long term credit rating is ?BB+? and the short term rating ?B?. Both these ratings carry a stable outlook. The South Africa national scale long term rating is ?zaA? and the short term rating ?zaA-1?. S-P, in their commentary on the stable outlook, mentioned that their 12 month view is that the bank?s business position, asset quality and capitalisation will be resilient to the challenging economic environment and regulatory headwinds in South Africa.
29-Sep-2015
(Official Notice)
Capitec and its subsidiaries (?group?), have complied with the Bank?s Act 1990 (as amended), which incorporates the requirements of the Basel Committee on Banking Supervision (Basel). In terms of Pillar 3 of the Basel rules, the consolidated group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis. For the complete LCR and leverage ratio calculations refer to our website at www.capitecbank.co.za/investor-relations.
29-Sep-2015
(C)
Net interest income for the interim period increased by 16% to R4.668 billion (2014: R4.022 billion), profit for the period rose by 25% to R1.476 billion (2014: R1.181 billion), while headline earnings per share was 25% higher at 1 271 cents per share (2014: 1 018 cents per share).



Dividend

The interim dividend increased by 52% from 246 cents per share at August 2014 to 375 cents per share at August 2015. Last year the interim dividend reflected 29% of the total dividend. We believe the interim dividend should make up a higher percentage of the total dividend, therefore the big increase. This is a one-off adjustment between the interim and final dividend and does not indicate a revised dividend policy.



Prospects

Capitec remain committed to providing simple, accessible and affordable banking supported by personal service. This commitment has resulted in the growth in their active client numbers, a trend they expect to continue. Despite an unsupportive economic environment, Capitec is bullish on retail banking and see opportunities to grow their client base and product offering. Capitec is cautious on credit but remain optimistic that they can grow their loan book in a prudent manner. Capitec remain focused on their strategy to be the best retail bank for all South Africans.
04-Sep-2015
(Official Notice)
In terms of the Listing Requirements of the JSE Ltd., a listed company is required to publish a trading statement as soon as it becomes aware that the financial results for the financial period to be reported on next will vary by 20% or more from those of the previous comparable period.



Accordingly, Capitec hereby advises that a reasonable degree of certainty exists that headline earnings per share and earnings per share for the half year ended 31 August 2015 will be between 1242 cents to 1283 cents per share compared to 1018 cents per share reported in the prior year. This represents an increase of between 22% and 26%.



The financial information on which this trading statement is based has not been reviewed and reported on by Capitec?s auditors. The financial results for the half year ended on 31 August 2015 are expected to be published on or about 29 September 2015.
31-Aug-2015
(Official Notice)
The directors of Capitec have approved and declared a preference share dividend of 390.79 cents per share in respect of the six months ended on 31 August 2015. Payment will be effected on Monday, 28 September 2015.



The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend : Thursday, 17 September 2015

* Trading ex-dividend commences : Friday, 18 September 2015

* Record date : Friday, 25 September 2015

* Payment date : Monday, 28 September 2015



Share certificates may not be dematerialised or rematerialised between Friday, 18 September and Friday, 25 September 2015, both days included.
04-Aug-2015
(Official Notice)
24-Jun-2015
(Official Notice)
01-Jun-2015
(Official Notice)
Shareholders are hereby advised that the Annual General Meeting (?AGM?) of the company was held on Friday, 29 May 2015 at Cavalli Wine and Stud Farm, Cavalli Function Venue, Strand Road (R44), Somerset-West. All resolutions were duly passed.
12-May-2015
(Official Notice)
Shareholders were informed on 29 February 2012 that the PIC acquired 5.2 million shares in the ordinary share capital of Capitec. These shares acquired by the PIC were held in the Isibaya Fund and are classified as black in terms of the Broad-Based Black Economic Empowerment Act, 2003 (Act 53 of 2003) (?the BBBEE Act?).



Capitec has been informed that the Isibaya Fund has reached agreement to dispose of its interest in Capitec. It is an arm?s length transaction facilitated by a third party through a book build process. The acquiring party complies with the definition of black as defined in the BBBEE Act. Capitec supports the transaction as it enhances its black economic empowerment credentials.

30-Apr-2015
(Official Notice)
Bondholders are advised that Capitec Bank?s annual report for the period ended 28 February 2015 (the annual report) is available for inspection at the Bank's registered office. The annual report is also available on Capitec Bank's website at https://www.capitecbank.co.za/investor-relations/bond-programme
24-Apr-2015
(Official Notice)
Shareholders are advised that the integrated annual report for the year ended 28 February 2015 containing the audited annual financial statements of the company (?Capitec 2015 integrated report?) is now available on the company?s website at www.capitecbank.co.za/investor_relations. A summary of the Capitec Group?s audited consolidated annual financial statements, including that of the company, and the notice of the annual general meeting of the company are being dispatched to shareholders today, 24 April 2015. There have been no modifications to the audited results which were announced on SENS on Tuesday, 24 March 2015. An abridged report will therefore not be published.



Notice of AGM

Notice is hereby given that the 2015 annual general meeting of the shareholders of Capitec will be held at Cavalli Wine and Stud Farm, Cavalli Function Venue, Strand Road (R44), Somerset-West on Friday, 29 May 2015, at 14:30 to transact the business set out in the notice of the annual general meeting. The notice of the 2015 annual general meeting of Capitec is also available on the company?s website at www.capitecbank.co.za/investor_relations/shareholder_centre. The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2015 annual general meeting will be Friday, 22 May 2015 with the last day to trade being Friday, 15 May 2015.
07-Apr-2015
(Media Comment)
Business Day highlighted that Capitec soared to new heights on the JSE on Thursday as foreign buying continued unabated. Inclusion into the top 40 index will provide a further boost for Capitec as many global index funds will then have to include Capitec stock in portfolios. It was the best performing local share in the previous month, climbing 28.1%, and is up 54.4% since the beginning of the year.
25-Mar-2015
(Media Comment)
Business Report highlighted that Capitec Bank's share price rose to a record high after the bank announced its latest results. It soared as much as 8.36 percent to an all time best of R505 but at the close was quoted 7.19 percent higher at R499.50. Keeping it simple and maintaining founding principles is helping Capitec Bank to notch up its client base, which in the year under review has grown by 16 percent to 6.2 million, while primary bank clients increased by 26 percent to 2.8 million. Capitec increased its distribution footprint in South Africa by another 39 branches and 500 ATMS during the past financial year, to bring the total of these access points to 668 and 3418, respectively.
24-Mar-2015
(Official Notice)
In accordance with rule 3.59 (a - b) of the Listings Requirements of the JSE Ltd., shareholders are hereby advised that Mr. Pieter van der Merwe, an independent non- executive director of Capitec and Capitec Bank Ltd., the wholly owned banking subsidiary of Capitec (?the companies?), has resigned from the boards of the companies with effect from 20 March 2015. The Boards thank him for his valued contributions during his tenure.



Shareholders are further advised that Mr Jean Pierre Verster has been appointed to the boards of the companies effective 23 March 2015. He has also been appointed as chairman of the audit committee.



Jean Pierre is a chartered accountant and currently an investment analyst. Previously, he was an analyst and portfolio manager at Melville Douglas Investment Management. Prior to entering the investment management industry, he fulfilled various roles in the Standard Bank Group, including as a credit and corporate research analyst in its Global Markets Research division, where he analysed companies? financial position from a credit perspective. He commenced his career in 2005 as a financial manager in the insurance services environment and in 2006 he gained experience as an internal auditor in the retail banking environment.
24-Mar-2015
(C)
Interest income for the year increased to R10.783 billion (2013: R9.434 billion), profit for the year grew to R2.564 billion (2013: R2.037 billion). Furthermore, headline earnings per share was 26% higher at 2 209cps (2013: 1 752cps).



Dividend

The directors declared a final gross dividend of 590cps on 23 March 2015, bringing the total dividends for the year to 836cps.



Annual general meeting

The annual general meeting of the shareholders of Capitec will be held on Friday, 29 May 2015. The detailed notice will be available from 30 April 2015 at: www.capitecbank.co.za/investor relations/shareholder centre/notice of annual general meeting.
04-Mar-2015
(Official Notice)
Capitec hereby advises that a reasonable degree of certainty exists that headline earnings per share and earnings per share for the year ended 28 February 2015 will be between 2155 cents to 2225 cents per share compared to 1752 cents per share reported in the prior year. This represents an increase of between 23% and 27%.



The financial information on which this trading statement is based has not been reviewed and reported on by Capitec?s auditors. The financial results for the financial year ended on 28 February 2015 are expected to be published on or about 24 March 2015.

27-Feb-2015
(Official Notice)
The directors of Capitec have declared a preference share dividend of 382.23 cents per share in respect of the six months ended 28 February 2015. Payment will be effected on Monday, 23 March 2015. The following information is disclosed in terms of paragraphs 11.17(a) (i) to (x) and 11.17(c) of the Listings Requirements:

* The cash distribution is a dividend as defined in terms of the Income Tax Act (Act 58 of 1962)

* The South African dividend tax rate is 15%

* The gross dividend amount is 382.23 cents per share

* The dividend amount net of South African dividend tax of 15% is 324.89550 cents per share

* Capitec has 2 295 211 non-redeemable, non-cumulative, non-participating preference shares in issue

* No Secondary Tax on Companies (STC) credits were applied against the dividend

* The distribution is made from income reserves

* Capitec?s tax reference number is 9405/376/84/0



The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend : Friday, 13 March 2015

* Trading ex-dividend commences : Monday, 16 March 2015

* Record date : Friday, 20 March 2015

* Payment date : Monday, 23 March 2015



Share certificates may not be dematerialised or rematerialised between Monday, 16 March and Friday, 20 March 2015, both days included.
11-Nov-2014
(Official Notice)
On 10 November 2014, Moody's Investor Service ("Moody's") concluded the Bank's global deposit ratings of Ba2/NP, as well as the national scale issuer ratings of Baa1.za/P- 2.za. Despite the fact that the South African sovereign ratings were downgraded by Moody's last week and the fact that Capitec Bank's ratings were under review for a downgrade since 15 August 2014, the outlook was adjusted upwards to stable.



Moody's states that this stable outlook reflects their view that Capitec Bank's Ba2 deposit ratings adequately balance the Bank?s strong loss-absorption capacity and comprehensive underwriting and provisioning policies against the current risks in the operating environment in South Africa's unsecured lending market.



The Bank is satisfied that Moody's changed the outlook to stable, noting that this outlook reflects their recognition that the Bank's growing transactional banking customer base, retail funding profile and solid liquidity levels mitigate the challenging operating conditions in South Africa.
30-Sep-2014
(Media Comment)
Business Day reported that Capitec was looking at launching a credit card in the third quarter of next year and may also enter the insurance market. Capitec said it was always looking for opportunities to diversify its business but was not exploring secured credit.
29-Sep-2014
(C)
Interest income rose by 13% to R5.2 billion (R4.6 billion). Net interest income was up 12% to R4.0 billion (R3.6 billion). Income from operations increased by 19% to R3.5 billion (R3 billion). Net attributable profit surged by 20% to R1.2 billion (R980.8 million). In addition, headline earnings per share grew 21% to 1 018cps (844cps).



Dividend

An gross interim ordinary dividend of 246cps has been declared.



Prospects

The transaction banking result is the yield from investment made in previous periods. We will drive brand awareness and acceptance, and develop the product offer while expanding the distribution platforms, which will all contribute to further growth in the years to come. Banking is about detail, and at Capitec Bank we work hard to implement detail across the organisation. It is our aim to provide credit responsibly to those who can afford and manage it. Access to credit is a staple of modern life and the changes introduced by the NCA in 2007 enabled access to credit for many South Africans previously excluded. There is a future for unsecured lending, though we tread cautiously as the industry is still maturing. We are pursuing our strategy to be accepted by all South Africans as the best retail bank.
04-Sep-2014
(Official Notice)
Capitec hereby advises that a reasonable degree of certainty exists that earnings per share and headline earnings per share for the half year ended 31 August 2014 will exceed the comparable earnings per share and headline earnings per share for the previous corresponding period being 31 August 2013 by between 18% and 22%.



The following key performance indicators contributed to this performance:

*The pattern of strong growth in active clients continued.

*Transaction income grew significantly not only because of an increase in client numbers, but also because we attracted clients in higher income groups who do more transacting. The mix of transactions has improved in line with our strategy to encourage clients to reduce fees by using their cards, mobile and internet banking. The take up of our smartphone app has exceeded our expectations.

*Growth in retail lending was satisfactory under the current market conditions and the bad debts results were in line with our risk appetite which factored in these market conditions.

*Cost management was within stated objectives.

*Preference shares which no longer counted as capital were repurchased and replaced with less expensive fixed deposits.

*The bank remains very well capitalised.

*Healthy growth in retail deposits occurred, both in call and fixed-term products, tracking the robust growth in client numbers.



The financial information on which this trading update is based has not been reviewed and reported on by Capitec?s auditors. The financial results for the interim reporting period ended 31 August 2014 are expected to be published on or about 29 September 2014.

29-Aug-2014
(Official Notice)
The directors of Capitec have declared a preference share dividend of 380.64 cents per share in respect of the six months ending on 31 August 2014. Payment will be effected on Monday, 22 September 2014. This is the earliest payment date possible in terms of the Listings Requirements of the JSE Ltd. ("the Listings Requirements").



The following information is disclosed in terms of paragraphs 11.17(a) (i) to (x) and 11.17(c) of the Listings Requirements:

* The cash distribution is a dividend as defined in terms of the Income Tax Act (Act 58 of 1962)

* The South African dividend tax rate is 15%

* The gross dividend amount is 380.64 cents per share

* The dividend amount net of South African dividend tax of 15% is 323.54400 cents per share

* Capitec has 2 295 211 non-redeemable, non-cumulative, non-participating preference shares in issue

* No Secondary Tax on Companies (STC) credits were applied against the dividend

* The distribution is made from income reserves

* Capitec's tax reference number is 9405/376/84/0



The salient dates for the payment of the preference share dividend are set out below:

*Last day to trade cum-dividend -- Friday, 12 September 2014

*Trading ex-dividend commences -- Monday, 15 September 2014

*Record date -- Friday, 19 September 2014

*Payment date -- Monday, 22 September 2014



Share certificates may not be dematerialised or rematerialised between Monday, 15 September and Friday, 19 September 2014, both days included.
19-Aug-2014
(Official Notice)
18-Aug-2014
(Official Notice)
14-Aug-2014
(Official Notice)
13-Aug-2014
(Official Notice)
08-Aug-2014
(Official Notice)
25-Jul-2014
(Official Notice)
30-Jun-2014
(Official Notice)
Capitec and its subsidiaries ("group"), have complied with the Bank's Act 1990 (as amended), which incorporates the requirements of the Basel Committee on Banking Supervision (Basel).



In terms of Pillar 3 of the Basel rules, the consolidated group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis.



The group's consolidated capital position at the end of the first quarter for the financial year ending on 28 February 2015 is set out in the relevant SENS note.
20-Jun-2014
(Official Notice)
In the integrated reports for 2013 and 2014, mention was made of a notice received from the National Credit Regulator ("NCR") alleging contraventions of the National Credit Act.



On 27 May 2014 Capitec advised that the National Consumer Tribunal had dismissed the NCR's application against Capitec Bank ("the NCT judgement"). Capitec Bank has now received a notice of appeal lodged by the NCR against the NCT judgement.



It remains impracticable to estimate the financial effect of any possible outcome. Capitec is still of the view that the matter will be satisfactorily resolved through due process.
30-May-2014
(Official Notice)
At the annual general meeting of Capitec shareholders held today, 30 May 2014, the requisite majority of shareholders, present or represented by proxy, approved all of the ordinary and special resolutions tabled at the meeting. The special resolutions will be filed with the Companies and Intellectual Property Commission in due course.
29-May-2014
(Official Notice)
Moody's Investors Service updated their research on Capitec Bank Ltd., the wholly-owned banking subsidiary of Capitec. Both the international ratings of Baa3/P-3 and the national ratings of A2.za/P-1.za remain unchanged and the outlook for all ratings remains stable.



In their rating rationale, Moody's mention that 'The bank's simplified, low-cost, single-banking solution has been gaining appeal with South Africa's consumers, while its paperless, straightforward, technology-driven business model enables it to provide a low-cost and efficient service, with rapid application processes and an improved service level.'
29-Apr-2014
(Official Notice)
Shareholders are advised that the integrated annual report for the year ended 28 February 2014 containing the audited annual financial statements of the company ("Capitec 2014 integrated report") is available on the company's website at www.capitecbank.co.za/investor_relations. A summary of the Capitec Group's audited consolidated annual financial statements, including that of the company, and the notice of the annual general meeting of the company are being dispatched to shareholders today, 29 April 2014. There have been no modifications to the audited results which were announced on SENS on Wednesday, 26 March 2014. An abridged report will therefore not be published.



Notice of AGM

Notice was given that the 2014 annual general meeting of the shareholders of Capitec will be held at Nooitgedacht, R304, Koelenhof Road, Stellenbosch on Friday, 30 May 2014, at 14:30 to transact the business set out in the notice of the annual general meeting. The notice of the 2014 annual general meeting of Capitec is also available on the Capitec Bank website at www.capitecbank.co.za/investor_relations/shareholder_cent re.



The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2014 annual general meeting will be Friday, 23 May 2014, with the last day to trade being Friday, 16 May 2014.
26-Mar-2014
(C)
Interest income increased to R9.4 billion (R7.1 billion). Net profit after tax attributable to ordinary shareholders surged to R2 billion (R1.6 billion). In addition, headline earnings per share grew by 15% to 1 752cps (1 519cps).



Dividend

A gross final ordinary dividend of 460cps has been declared.



Outlook

Capitec is young and the bank is building a bank to last. Business cycles come and go. Management is committed to providing simple, accessible and affordable banking, delivered with personal service. The bank has not seen a positive turn in the economy yet. In the year ahead the retail credit market will remain tough. Capitec will continue to create value while limiting risk. Management sees opportunities in transaction banking. The management team is enthusiastic and will deliver growth in this part of the business.
24-Mar-2014
(Media Comment)
Capitec is South Africa's best bank, according to The Sunday Times' Business Times Intellidex Bank of the Year survey. Capitec outperformed bigger rivals with a more diverse product portfolio. Capitec won on the basis that its average scores for each of the products it provides are higher than for those of its competitors.
05-Mar-2014
(Official Notice)
In accordance with the Company's custom to keep shareholders informed the board advised that a reasonable degree of certainty exists that earnings and headline earnings per share for the year ended 28 February 2014 will exceed the comparable earnings and headline earnings per share for the year ended 28 February 2013 by between 12% and 16%. The financial results for the year ended 28 February 2014 are expected to be published on or about 26 March 2014.



National credit regulator

In last year's Integrated Report the board reported that a notice had been received from the National Credit Regulator alleging contraventions of the National Credit Act, Act 34 of 2005. The board furthermore reported that it had taken legal advice and believed the matter would be satisfactorily resolved through due process. The matter will be heard by the National Consumer Tribunal during March 2014. As reported previously, it is not practicable to estimate the financial effect of any possible outflow.
28-Feb-2014
(Official Notice)
The directors of Capitec have declared a preference share dividend of 354.67 cents per share in respect of the six months ended 28 February 2014. Payment will be effected on Monday, 31 March 2014. The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend: Thursday, 20 March 2014

* Trading ex-dividend commences: Monday, 24 March 2014

* Record date: Friday, 28 March 2014

* Payment date: Monday, 31 March 2014



Share certificates may not be dematerialised or rematerialised between Monday, 24 March and Friday, 28 March 2014, both days included.
20-Dec-2013
(Official Notice)
On 19 December 2013, Moody's Investors Service affirmed the credit ratings and outlook for these ratings of Capitec Bank, the wholly-owned banking subsidiary of Capitec. Both the international ratings of Baa3/P-3 and the national ratings of A2.za/P-1.za remain unchanged and the outlook for all ratings remains stable.
12-Dec-2013
(Official Notice)
Capitec Bank Holdings Ltd. and its subsidiaries ("group"), have complied with the Bank's Act 1990 (as amended), which incorporates the requirements of the Basel Committee on Banking Supervision (Basel).



In terms of Pillar 3 of the Basel rules, the consolidated group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis.
25-Sep-2013
(C)
Interest income rose by 52% to R4.6 billion (R3 billion). Net interest income was up 55% to R3.6 billion (R2.3 billion). Income from operations increased by 18% to R3 billion (R2.5 billion). Net attributable profit surged by 38% to R980.8 million (R710.8 million). In addition, headline earnings per share grew 20% to 844cps (702cps).



Dividend

An gross interim ordinary dividend of 203cps has been declared.



Outlook

Despite South Africa's medium-term challenges, Capitec remains excited about the future and the opportunities available to the bank. Unsecured credit is here to stay and, for most, the need for a low-cost banking solution is a necessity. Capitec's management approach will remain vigilant, cautious and responsible regarding the management of clients' money. Management is relentless in its pursuit of service excellence.
25-Sep-2013
(Official Notice)
The board announced that Riaan Stassen has decided to retire as CEO of the retail bank at the end of December 2013. Riaan will continue to serve on the boards of Capitec and its wholly-owned banking subsidiary Capitec Bank ("Capitec Bank"), as a non-executive director after his retirement. The board announced that Riaan will be succeeded as CEO by Gerrie Fourie on 1 January 2014.
06-Sep-2013
(Official Notice)
Capitec advised that a reasonable degree of certainty exists that earnings per share and headline earnings per share for the half year ended 31 August 2013 will exceed the comparable earnings per share and headline earnings per share for the previous corresponding period being 31 August 2012 by between 18% and 22%.



The financial results for the interim reporting period ended 31 August 2013 are expected to be published on or about 25 September 2013.
30-Aug-2013
(Official Notice)
The directors of Capitec have declared a preference share dividend of 357.06 cents per share in respect of the six months ending on 31 August 2013. Payment will be effected on Monday, 23 September 2013. This is the earliest payment date possible in terms of the Listings Requirements of the JSE.



The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend: Friday, 13 September 2013

* Trading ex-dividend commences: Monday, 16 September 2013

* Record date: Friday, 20 September 2013

* Payment date: Monday, 23 September 2013



Share certificates may not be dematerialised or rematerialised between Monday, 16 September and Friday, 20 September 2013, both days included.
25-Jul-2013
(Media Comment)
Business Report indicated that Capitec Bank is weighing debt sales abroad for the first time and expanding overseas as lending growth stalls at home. Chief financial officer, Andre du Plessis said the bank had met with investors in London, Switzerland, Hong Kong, and Singapore. Capitec was also interested in growth outside Africa with a banking partner, though there were no immediate plans.
05-Jul-2013
(Official Notice)
On 4 July 2013, Moody's Investors Service affirmed the credit ratings and outlook for these ratings of Capitec Bank Ltd., the wholly-owned banking subsidiary of Capitec. Both the international ratings of Baa3/P-3 and the national ratings of A2.za/P-1.za remain unchanged and the outlook for all ratings remains stable. In their ratings report, Moody's mention that the stable outlook reflects their view that the bank has a strong loss absorption capacity and a comprehensive provisioning policy which counterbalances challenging operating conditions in South Africa's unsecured lending market.
31-May-2013
(Official Notice)
At the annual general meeting of Capitec shareholders held today, 31 May 2013, the requisite majority of ordinary shareholders, present or represented by proxy, approved all the ordinary and special resolutions proposed at the meeting. The special resolutions will be filed with the Companies and Intellectual Property Commission in due course.

30-May-2013
(Official Notice)
On 22 February 2013 a notice was received from the National Credit Regulator ("NCR"), alleging contraventions of the National Credit Act 34 of 2005 ("the Act") including in relation to initiation fees charged on one product. It is not practicable to estimate its financial effect or the amount of any possible outflow. The Bank has investigated the allegations and has taken legal advice, and believes the matter will be satisfactorily resolved through due process.



On 28 May 2013 a notice was received from the NCR referring the matter to the National Consumer Tribunal. It remains impracticable to estimate its financial effect or the amount of any possible outflow, and the Bank remains of the view that the matter will be satisfactorily resolved through due process, which has now commenced.
06-May-2013
(Media Comment)
According to Business Day, Capitec has long-term aspirations to expand its low-cost banking model to other continents whose countries have similar profiles to South Africa. With unsecured lending and retail banking becoming more competitive, operating in high-growth and populated countries such as India may boost the bank's revenue outside South Africa. Capitec aspires to be a chosen global retail bank over the long term.
02-May-2013
(Official Notice)
Shareholders were advised that the integrated annual report for the year ended 28 February 2013 containing the audited annual financial statements of the company ("Capitec 2013 integrated report") as well as the notice of the annual general meeting of the company are being dispatched to shareholders today, 2 May 2013. There have been no modifications to the audited results which were announced on SENS on Wednesday, 27 March 2013. An abridged report will therefore not be published. The Capitec 2013 integrated report is also available on the Capitec Bank website at www.capitecbank.co.za.



Notice of Annual General Meeting

Notice was given that the 2013 annual general meeting of the shareholders of Capitec will be held at Stellenrust Wine Estate (in the banqueting hall), Stellenrust Road, R44, Stellenbosch (GPS coordinates: S33 59? 18.0 E18 50? 57.9) on Friday, 31 May 2013, at 14:30 to transact the business set out in the notice of the annual general meeting. The notice of the 2013 annual general meeting of Capitec is also available on the Capitec Bank website at www.capitecbank.co.za/investor relations/shareholder centre.



The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2013 annual general meeting will be Friday, 24 May 2013, with the last day to trade being Friday, 17 May 2013.
02-Apr-2013
(Official Notice)
The boards of Capitec and Capitec Bank, the wholly owned banking subsidiary of Capitec, announced that Moody's Investors Service has assigned global scale Baa3/Prime-3 long and short-term deposit ratings to Capitec Bank. The rating agency has also assigned a D+ standalone bank financial strength rating (BFSR), which is equivalent to a baseline credit assessment (BCA) of ba1. Capitec Bank's national scale issuer ratings have been affirmed at A2.za/P-1.za. All ratings carry a stable outlook.



In Moody's ratings rationale, they mention that, in addition to robust profitability metrics, Capitec Bank's retail funding provides around 60% of its total deposits at February 2013. This has reduced funding concentrations and broadened the bank's funding profile.



These international investment grade ratings will in future afford the bank the opportunity to explore additional funding options in the global financial markets and thus diversify its funding profile further.



Capitec reported solid capitalisation levels with a capital adequacy ratio of 41% as at 28 February 2013, which provides a platform for growth going forward. In the 2013 annual results released last week, Capitec reported that banking transactional income now covers 45% of banking operating expenses.
27-Mar-2013
(C)
Net interest income grew to R5.4 billion (R3.3 billion). Income from operations jumped to R5.3 billion (R4.1 billion). Net profit after tax attributable to ordinary shareholders rose to R1.6 billion (R1.1 billion). Headline earnings per share increased to 1 519 cents per share (1 125 cents per share).



Dividend

The directors declared a final dividend of 405 cents per ordinary share on 25 March 2013, bringing the total dividends for the year to 574 cents per share.



Prospects

Capitec expects economic conditions to remain difficult but believes that its client base and transaction income will continue to grow. Responsible management of the quality of its loan book will remain a priority.
05-Mar-2013
(Official Notice)
Capitec advised that a reasonable degree of certainty exists that earnings and headline earnings per share for the year ended 28 February 2013 will exceed the comparable earnings and headline earnings per share for the previous corresponding period being 29 February 2012 by between 32% and 36%. The financial results for the year ended 28 February 2013 are expected to be published on or about 27 March 2013.



Moody's rating action

Capitec Bank Ltd., a wholly owned subsidiary of Capitec, records that Moody?s Investors Services affirmed the bank's A2.za/P-1.za national-scale issuer's ratings and changed the outlook from positive to stable. Per the rating agency, the outlook reflects their assessment of the risks associated with the continued challenging operating conditions in South Africa?s unsecured lending market, which will likely weigh on the bank's asset quality and profitability metrics.
28-Feb-2013
(Official Notice)
The directors of Capitec have declared a preference share dividend of 351.24 cents per share in respect of the six months ended 28 February 2013. Payment will be effected on Monday, 25 March 2013. This is the earliest payment date possible in terms of the Listings Requirements of the JSE.



The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend: Thursday, 14 March 2013

* Trading ex-dividend commences: Friday, 15 March 2013

* Record date: Friday, 22 March 2013

* Payment date: Monday, 25 March 2013.
30-Jan-2013
(Official Notice)
The boards of Capitec and Capitec Bank Ltd, the wholly owned banking subsidiary of Capitec (the companies), are sad to advise shareholders of the passing away of Professor Merlyn Mehl on 30 January 2013.
19-Nov-2012
(Official Notice)
The directors of Capitec and Capitec Bank, the wholly owned banking subsidiary of Capitec announced the appointment of Mr Gerrit (Boel) Pretorius as an independent non-executive director to the boards of both the companies with effect from 19 November 2012.
12-Nov-2012
(Official Notice)
Shareholders were referred to the announcements of the Capitec rights offer published on the JSE Ltd. ("JSE') Stock Exchange News Service ("SENS") on 26 September 2012 (the "declaration announcement") and 5 October 2012 and the circular dated 8 October 2012 detailing the terms of the said offer. In terms hereof Capitec announced the raising of approximately R2.248 billion by way of an underwritten renounceable rights offer of 14 050 848 new Capitec ordinary shares of R0.01 each ("rights offer shares") to qualifying Capitec ordinary shareholders ("rights offer").



The rights offer shares were issued in the ratio of 7 rights offer shares for every 50 Capitec ordinary shares held on the record date, being Friday, 19 October 2012 ("record date") at a subscription price of R160.00 per rights offer share.



The results of the rights offer, which closed on Friday, 9 November 2012, are as follows:

*Rights offer shares available for subscription -- 14 050 848 rights offer shares 100% of rights offer shares

*Rights offer shares subscribed for by Capitec shareholders -- 13 965 420 rights offer shares 99.39% of rights offer shares

*Rights offer shares to be issued to the joint underwriters -- 85 428 rights offer shares 0.61% of rights offer shares



Merrill Lynch International and Sanlam Capital Markets Ltd. (together the "joint underwriters") have agreed to subscribe for rights offer shares (in the proportions set out in paragraph 4 of the declaration announcement) not subscribed for by qualifying shareholders (the "rump shares"). The joint underwriters will settle the issue price of the rump shares which they subscribed for pursuant to their underwriting obligations, in cash.



For Capitec shareholders who have subscribed for the rights offer:

i) share certificates will be posted to the holders of certificated Capitec shares on or about Monday, 12 November 2012; and

ii) the Central Securities Depository Participant ("CSDP") or broker accounts of holders of dematerialised Capitec shares will be credited with the rights offer shares and debited with any payments due on Monday, 12 November 2012.
05-Oct-2012
(Official Notice)
26-Sep-2012
(Official Notice)
Due to the fact that the pro forma financial effects of the rights offer must still be disclosed, shareholders were advised to exercise caution when dealing in the company's securities until a further announcement is made.
26-Sep-2012
(Official Notice)
26-Sep-2012
(C)
Interest income for the interim period shot up 56% to R3.0 billion (2011: R1.9 billion). Income from operations grew 32% to R2.5 billion (2011: R1.9 billion). Net profit attributable to ordinary shareholders jumped 43% to R700.1 million (2011: R487.9 million). In addition, headline earnings per share increased by 35% to 702cps (2011: 520cps).



Dividend

The directors approved an interim ordinary dividend of 169cps.



Prospects

The success of Capitec is driven by the bank's clients. The bank will continue to improve its unique service, positioning and product offer for the benefit of its clients.



Opportunities exist to broaden Capitec's market to include higher income clients that are increasingly exposed to the bank's simplified, low-cost offer and are finding that the Global One solution is perfect for their needs.



The expansion of the branch network will continue to provide improved market penetration and more branches in shopping malls will assist in the acquisition of a different client profile.
31-Aug-2012
(Official Notice)
The directors of Capitec have declared a preference share dividend of 373.16 cents per share in respect of the six months ended 31 August 2012. The preference share dividend has been increased by 11.11% to 83.33% of prime in accordance with the announcement on SENS on 28 May 2012. Payment will be effected on Tuesday, 25 September 2012. The salient dates for the payment of the preference share dividend are set out below:

*Last day to trade cum-dividend -- Friday, 14 September 2012

*Trading ex-dividend commences -- Monday, 17 September 2012

*Record date -- Friday, 21 September 2012

*Payment date -- Tuesday, 25 September 2012
28-Aug-2012
(Official Notice)
Capitec advised that a reasonable degree of certainty exists that earnings per share and headline earnings per share for the half year ending on 31 August 2012 will exceed the comparable earnings per share and headline earnings per share for the previous corresponding period being 31 August 2011 by between 25% and 35%. The financial results for the interim reporting period ending on 31 August 2012 are expected to be published on or about 26 September 2012.
06-Aug-2012
(Official Notice)
Mr Markus Jooste, a non-executive director of Capitec and Capitec Bank Ltd., the wholly owned banking subsidiary of Capitec ("the companies"), has due to other commitments, resigned from the boards of the companies with effect from 2 August 2012.
01-Jun-2012
(Official Notice)
At the annual general meeting of Capitec ordinary shareholders held on 1 June 2012, the requisite majority of ordinary shareholders, present or represented by proxy, approved all of the ordinary and special resolutions tabled at the meeting. The special resolutions will be filed with the Companies and Intellectual Property Commission in due course.



General meeting of preference shareholders

At the general meeting of Capitec preference shareholders held on 1 June 2012, the requisite majority of preference shareholders, present or represented by proxy, approved all of the special resolutions tabled at the meeting. The special resolutions will be filed with the Companies and Intellectual Property Commission in due course.
28-May-2012
(Official Notice)
Holders of Capitec preference shares ("preference shareholders") are referred to the terms and conditions of the preference shares which provide that the company may adjust the dividend rate payable on preference shares to the extent that an amendment to the Income Tax Act results in the preference dividend becoming taxable in the hands of the preference shareholders together with an equal saving by the company as a result of such income tax legislative amendment. Preference shareholders are also referred to the announcement of the Minister of Finance that dividend withholding tax ("DWT") would become effective on 1 April 2012. In terms hereof, DWT amounting to 15% will be levied in the hands of shareholders while companies will no longer pay secondary tax on companies ("STC") which, at the time of the announcement amounted to 10%.



The board of Capitec has resolved to increase the preference share dividend by 11.11%. The preference share dividend rate will thus be increased to 83.33% of the prime rate compared to 75% currently. The increase was determined on the basis that the company passes the saving in STC on to preference shareholders to the extent that shareholders receive at least the same preference share dividend, net after tax, as they would have received had DWT been implemented at the expected rate of 10%.



With regard to the first preference dividend payable after the implementation of the DWT, the increased rate will be applicable to the full dividend cycle from 1 March 2012 up to 31 August 2012.



The terms of the preference shares must be amended to allow the above dispensation and a resolution to this extent will be submitted to preference shareholders at a meeting of preference shareholders scheduled for 1 June 2012 ("the preference share meeting").



The preference share meeting will be held at 11:15 on Friday, 1 June 2012 in the Reynolds Room, Manor House at the Conference Centre, Spier, R360, Stellenbosch. A formal notice convening this meeting has been distributed to preference shareholders on 2 May 2012 and is available at www.capitecbank.co.za/investor_relations/shareholder_centre/2012 Annual_General_Meeting.
02-May-2012
(Official Notice)
Shareholders are advised that the integrated annual report for the year ended 29 February 2012 containing the audited annual financial statements of the company ("Capitec 2012 integrated report") as well as the notice of the annual general meeting of the company were dispatched to shareholders on 2 May 2012. There have been no modifications to the audited results which were announced on SENS on Wednesday, 28 March 2012. The Capitec 2012 integrated report is also available on the Capitec Bank website at www.capitecbank.co.za.



Notice of AGM

Notice was given that the 2012 annual general meeting of the shareholders of Capitec will be held at Spier, in the Auditorium, the Conference Centre, R310, Stellenbosch, on Friday, 1 June 2012, at 12:00, to transact the business set out in the notice of the annual general meeting. The notice of the 2012 annual general meeting of Capitec is also available on the Capitec Bank website at www.capitecbank.co.za/investor relations/shareholder centre. The date on which shareholders must be recorded as such in the share register to be eligible to vote at the 2012 annual general meeting will be Friday, 25 May 2012, with the last day to trade being Friday, 18 May 2012.



Notice of general meeting

Holders of Capitec non-redeemable, non-cumulative, non-participating preference shares ("preference shareholders") are advised that a general meeting of preference shareholders will be held at Spier, the Manor House, the Conference Centre, R310, Stellenbosch on Friday, 1 June 2012, at 11:15 to consider proposed amendments to the terms and conditions of the preference shares. The notice of the general meeting is included in the notice of the 2012 annual general meeting of Capitec and is available on the Capitec Bank website at www.capitecbank.co.za/investor relations/shareholder centre. The date on which preference shareholders must be recorded as such in the share register to be eligible to vote at the general meeting of preference shareholders will be Friday, 25 May 2012, with the last day to trade being Friday, 18 May 2012.
28-Mar-2012
(C)
Interest income surged to R4.3 billion (R2.8 billion). Operating profit before tax jumped to R1.6 billion (R940.3 million). Net profit after tax attributable to ordinary shareholders soared to R1.1 billion (R640.3 million). In addition, headline earnings on a per share basis improved by 49% to 1 125c (757cps).



Dividends

A final ordinary dividend of 300cps was declared on 1 March 2012.



Outlook

The focus remains on clients, from systems that provide convenience and ease of access, to the support clients require to make decisions in their own best interest. Capitec shall continue to build the bank platform to deliver this support. New card services, loan products and mobile banking functions are planned for the coming year, as well as less visible improvements to infrastructure. All of these will make banking easier and more cost effective for clients. Capitec is confident that this and the 55 new branches planned for the current year will continue to grow the client base as in the past.
01-Mar-2012
(Official Notice)
The board of Capitec announced that they have declared a final dividend in the amount of 300 cents per ordinary share in respect of the 2012 financial year. The record date for the final dividend is 23 March 2012 and the payment date is 26 March 2012.



Dividend calculation

The dividend calculation is based on a cover of 2.6 times of the deemed earnings of the company for the financial year ending on 29 February 2012. The deemed earnings were calculated using the mid-point of the range announced in the trading update published on 9 February 2012, i.e 45%. The earnings of the company have not been finalised and are subject to the conclusion of the year- end audit on 27 March 2012. The salient dates for the payment of the Capitec final dividend are set out below:

* Last day to trade cum-dividend: Thursday, 15 March 2012

* Trading ex-dividend commences: Friday, 16 March 2012

* Record date: Friday, 23 March 2012

* Payment date: Monday, 26 March 2012.
29-Feb-2012
(Official Notice)
Shareholders are advised in accordance with paragraph 3.83(b) of the Listings Requirements of the JSE Limited ("JSE") and in terms of section 122 of the Companies Act, 71 of 2008, as amended, that the PIC has acquired 5 284 735 ordinary shares in Capitec from Coral Lagoon Investments 194 (Pty) Ltd. ("Coral") representing approximately 5.3% of Capitec's issued ordinary share capital.



Coral is the investment company through which a group of black shareholders ("the Consortium") as defined in the Broad-Based Black Economic Empowerment Act, 2003 (Act 53 of 2003) ("the BEE Act") hold an interest in Capitec. The Consortium has today disposed of 5 284 735 of its restricted ordinary Capitec shares at a discounted price of R156.11 ("the shares") to the PIC. The PIC has acquired the shares as part of a restructure of the financing of the Consortium's interest in Capitec ("the transaction") emanating from an early redemption of the Consortium`s loan commitments to its financier. These shares will remain restricted, i.e. they can only be sold to black people as defined in the BEE Act. This transaction forms part of a continuing restructure of the financing of the Consortium`s interest in Capitec. Jackie Huntley is a non-executive director of Capitec and Coral and a beneficiary of the consortium in respect of this transaction to the extent of 0.6%.

29-Feb-2012
(Official Notice)
The directors of Capitec are pleased to declare Capitec preference share dividend number 11, effective 29 February 2012 (being Capitec's year-end). The dividend, amounting to 336.58 cents per Capitec preference share, will be paid on Monday, 26 March 2012. This is the earliest date possible in terms of the Listings Requirements of the JSE Ltd.



The salient dates for the payment of the Capitec preference share dividend are set out below:

*Last day to trade cum-dividend -- Thursday, 15 March 2012

*Trading ex-dividend commences -- Friday, 16 March 2012

*Record date -- Friday, 23 March 2012

*Payment date -- Monday, 26 March 2012



Share certificates may not be dematerialised or rematerialised between Friday, 16 March 2012 and Friday, 23 March 2012, both days included.
14-Feb-2012
(Official Notice)
The directors of Capitec announced the appointment of Mr John David (Jock) McKenzie as an independent non-executive director to the board with effect from 1 March 2012.
09-Feb-2012
(Official Notice)
Capitec advised that a reasonable degree of certainty exists that earnings and headline earnings per share for the year ending on 29 February 2012 will exceed the comparable earnings and headline earnings per share for the previous corresponding period being 28 February 2011 by between 40% and 50%. The financial results for the year ending on 29 February 2012 are expected to be published on or about 28 March 2012.
11-Nov-2011
(Media Comment)
Business Day reported that given the rate at which Capitec was expanding in the entry-level segment of the market, one of its bigger rivals such as Nedbank, could surrender in this area quite soon. Capitec's total number of entry-level customers was just short of Nedbank's figure. Capitec was also making inroads into the middle income market, the mainstay of the big four banks. Nevertheless, analysts say that the costs of taking on its bigger banking rivals will be expensive
02-Nov-2011
(Official Notice)
Capitec announced that it has raised R798.9 million by way of a placing, which completed yesterday, of 4 644 952 new ordinary shares ("the Placing") of R0.01 each ("the placing shares"). The Placing represents 4.91 per cent of the number of the existing ordinary Shares of the company before the Placing and 4.68 per cent of the number of the combined existing ordinary shares of the company after the Placing. The placing was effected at ZAR172.00 per share (the "Placing Price") which is a 7.60 per cent discount to the 30 business day volume weighted average traded price of the ordinary shares of Capitec as of the close of business on 1 November 2011. Merrill Lynch International ("BofA Merrill Lynch") acted as sole lead manager and book runner in relation to the Placing. The net proceeds of the Placing are proposed to be used by Capitec to facilitate an increased footprint in South Africa, increase the client base, and grow the loan book while managing capital requirements. The Placing Shares will be issued credited as fully paid and will rank pari passu in all respects with the existing ordinary shares of the company, including the right to receive all dividends and other distributions declared in respect of such shares after the date of issue of the Placing Shares. For the avoidance of doubt, the Placing Shares will qualify for the interim ordinary dividend of 125 cents per share declared on Tuesday, 27 September 2011 and payable on Monday, 5 December 2011. The company will apply for admission of the Placing Shares to trading on the main board of the JSE. It is expected that the admission and settlement of the placing shares will take place and that trading will commence on or about Wednesday, 9 November 2011. The Placing is conditional, inter alia, upon the JSE admission of the placing shares on the JSE becoming effective and the placing agreement concluded between the company and BofA Merrill Lynch not being terminated prior to admission of the placing shares. Capitalised terms used, but not defined in this announcement have the same meanings as set out in the announcement of the company regarding the placing released on Monday, 31 October 2011 ("the placing announcement").
31-Oct-2011
(Official Notice)
Capitec announced its intention to issue up to 4 644 952 new ordinary shares (the "placing") of R0.01 each (the "placing shares") representing 4.91% per cent of the number of the existing ordinary shares of the company before the placing and 4.68% per cent of the number of the combined existing ordinary shares of the company after the placing. The net proceeds of the Placing are proposed to be used to facilitate an increased footprint in South Africa, increase the client base, and grow the loan book while managing capital requirements.



Placing agreement.

The placing shares will, when issued, be credited as fully paid and will rank pari passu in all respects with the existing ordinary shares of Capitec including the right to receive all dividends and other distributions declared in respect of such ordinary shares after the date of issue of the placing shares. For the avoidance of doubt, the placing shares will qualify for the interim ordinary dividend of 125 cents per share declared on Tuesday, 27 September 2011 and payable on Monday, 5 December 2011.



Application for listing and admission to trading

Application will be made to the JSE for admission of the placing shares to trading on the JSE. It is expected that such admission will become effective on or around Wednesday, 9 November 2011 and that dealings in the placing shares on the JSE will commence at that time.



Bookbuild

BofA Merrill Lynch will on 31 October 2011 commence the bookbuild to determine demand for participation in the placing by placees.
28-Sep-2011
(C)
Net interest income rose by 63% to R1.5 billion (R914.2 million). Operating profit before tax was up by 71% to R718.7 million (R420.9 million). Net attributable profit surged by 72% to R497.7 million (R289.7 million). In addition, headline earnings on a per share basis grew by 53% to 520cps (340cps).



Dividend

An ordinary interim dividend of 125cps ha been declared.



Outlook

Innovation is in our blood and will continue. Persistent focus should maintain our success.
31-Aug-2011
(Official Notice)
The directors of Capitec have declared a preference share dividend of 340.27 cents per share in respect of the six months ended 31 August 2011. Payment will be effected on Monday, 26 September 2011. This is the earliest payment date possible in terms of the listings requirements of the JSE Ltd. The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend: Friday, 16 September 2011

* Trading ex-dividend commences: Monday, 19 September 2011

* Record date: Friday, 23 September 2011

* Payment date: Monday, 26 September 2011



Share certificates may not be dematerialised or rematerialised between Monday, 19 September 2011 and Friday, 23 September 2011, both days included.
16-Aug-2011
(Official Notice)
In terms of the Listings Requirements of JSE Limited, a listed company is required to publish a trading statement when it has reasonable certainty that the financial results for the financial period to be reported on next will vary by 20% or more from those of the previous comparable period.



Capitec hereby advises that a reasonable degree of certainty exists that earnings per share and headline earnings per share for the half year ending on 31 August 2011 will exceed the comparable earnings per share and headline earnings per share for the previous corresponding period being 31 August 2010 by between 45% and 55%.



The financial information on which this trading statement is based has not been reviewed and reported on by Capitec's auditors. The financial results for the interim reporting period ending on 31 August 2011 are expected to be published on or about 28 September 2011.
03-Jun-2011
(Official Notice)
At the annual general meeting of Capitec shareholders held on Friday, 3 June 2011, the requisite majority of shareholders approved all ordinary and special resolutions tabled at the meeting, including the payment of a cash dividend of 205c per ordinary share. The special resolutions will be filed with the Companies and Intellectual Property Commission in due course.



The salient dates and times in respect of the dividend as previously disclosed in the SENS announcement of 30 March 2011 accordingly remain unchanged and are as follows:

*Last day to trade cum dividend Friday, 17 June 2011

*Trading ex-dividend commences Monday, 20 June 2011

*Record date Friday, 24 June 2011

*Payment date Monday, 27 June 2011

*Capitec shares may not be dematerialised or rematerialised between Monday, 20 June 2011 and Friday, 24 June 2011, both days inclusive.

11-May-2011
(Official Notice)
Shareholders were advised that the integrated annual report for the year ended 28 February 2011 containing the audited annual financial statements of the company and the Capitec Group ("Capitec 2011 annual report") as well as the notice of the annual general meeting of the company are being dispatched to shareholders today. There have been no modifications to the audited results which were announced on SENS on 30 March 2011. The Capitec 2011 annual report is available on the Capitec website (www.capitecbank.co.za).



Notice of AGM

Capitec confirmed that the annual general meeting of the shareholders of Capitec will be held at Molenvliet Wine - Guest Estate, Helshoogte Pass, Banhoek Road, Stellenbosch, on Friday, 3 June 2011, at 11:30, to transact the business set out in the notice of the annual general meeting. The notice of the 2011 annual general meeting of Capitec is available on the Capitec Bank website at www.capitecbank.co.za/investor relations/shareholder centre/notice of AGM. The date on which shareholders must be recorded as such in the share register to be eligible to vote will be Wednesday, 01 June 2011, with the last day to trade being Wednesday, 25 May 2011.
10-May-2011
(Official Notice)
Shareholders were advised that Mr. Jan Georg (Johnnie) Solms, an independent non-executive director of Capitec and Capitec Bank Ltd ("Capitec Bank"), the wholly owned banking subsidiary of Capitec ("the companies"), has indicated to the boards of the companies that he will not be available for re- election at the annual general meeting of Capitec to be held on 3 June 2011.
06-May-2011
(Official Notice)
Capitec Bank Ltd ("Capitec Bank"), a wholly-owned subsidiary of Capitec, issued a combination of floating and fixed rate senior unsecured bonds on 6 May 2011 with redemption dates of 6 May 2014 and 6 May 2016.



CBL10

The 3-year floating rate bond raised R450 million and was issued at a credit spread of 220 basis points over the 3-month JIBAR rate. The initial rate payable will be 7.775% nominal annual compounding quarterly. The CBL10 bond matures on 6 May 2014.



CBL11

The 5-year fixed rate bond raised R800 million and was issued at a coupon of 10.52% nominal annual compounding semi-annually. This was determined by adding a credit spread of 231 basis points to the government benchmark R203 bond. The CBL11 bond matures on 6 May 2016.



This is the fifth issue by Capitec Bank under its R4 billion domestic medium term note programme which is listed on the interest rate market of the JSE. Bids in the amount of R4.092 billion were received in total for the above two issues. These issues coincide with the first maturities under the DMTN programme being CBL01 in the amount of R110 million and CBL02 in the amount of R380 million. In total R2.722 billion is now in issue under this programme. Rand Merchant Bank, a division of FirstRand Bank Ltd arranged the bond issue. The CBL10 and CBL11 bonds were listed on the interest rate market of the JSE on 6 May 2011.
29-Apr-2011
(Official Notice)
The board of the company advised shareholders that Moody's Investors Service ("Moody's") changed the outlook for the A2.za long-term national scale issuer rating assigned to Capitec Bank Ltd ("Capitec"), the wholly owned banking subsidiary of the company, from stable to positive on 28 April 2011. The previous rating action on Capitec's national-scale ratings was implemented on 14 May 2008, when the short-term national-scale rating was upgraded to P-1.za from P-2.za. This rating remains unchanged. Moody's note in their press release that the change in the outlook from stable to positive reflects Capitec's ongoing success in growing its franchise, diversifying its business base and maintaining good financial fundamentals, while successfully navigating through the financial crisis and macroeconomic slowdown. Capitec had increased its client base to 2.8 million in February 2011 from 1.0 million in February 2007 and over the same period has successfully converted from essentially a micro-finance institution to a retail bank offering affordable banking. The full credit opinion can be viewed on www.capitecbank.co.za.
15-Apr-2011
(Official Notice)
The directors of Capitec and Capitec Bank Ltd, the wholly owned banking subsidiary of Capitec ("the companies") announce the appointment of Ms Reitumetse Jacqueline ("Jackie") Huntley as a non-executive director to the boards of both the companies with effect from Thursday, 14 April 2011.

30-Mar-2011
(C)
Interest income surged to R2.8 billion (R1.8 billion). Net profit after tax attributable to ordinary shareholders soared by 47% to R640.3 million (R435.1 million). In addition, headline earnings per share was up by 44% to 757c (527cps).



Dividend

A final ordinary dividend of 205cps has been declared.



Annual general meeting

Notice was given that the annual general meeting of the shareholders of Capitec will be held at Molenvliet Wine and Guest Estate, Helshoogte Pass, Banhoek Road, Stellenbosch, on Friday, 3 June 2010 at 11:30.



Outlook

In November 2010 Capitec was named as the top company of the year of the Sunday Times Top 100 Companies. On 1 March 2011 Capitec was 10 years old and the foundation for future success has been laid, but excessive celebration of a good start can lead to a false sense of achievement. Much remains to be done, Capitec's management team is still full of ideas. Capitec will continue investigating opportunities during the year ahead.
28-Mar-2011
(Media Comment)
The Sunday Times Business Times reported that Capitec is forcing the big four banks to review and adjust their strategies. For instance, rivals Standard Bank and First National Bank have introduced their own entry-level offerings. Matthew Warren, a banking analyst with First Avenue Investment Management, said the fact that Capitec signs on about 70 000 new clients a month should make its bigger rivals scared.
28-Feb-2011
(Official Notice)
The directors of Capitec declared a preference share dividend number nine effective, 28 February 2011 (being Capitec's year-end). The dividend, amounting to 343.77 cents per Capitec preference share, will be paid on Monday, 28 March 2011. The salient dates for the payment of the Capitec preference share dividend are set out below:

* Last day to trade cum-dividend : Thursday, 17 March 2011

* Trading ex-dividend commences : Friday, 18 March 2011

* Record date : Friday, 25 March 2011

* Payment date : Monday, 28 March 2011.
22-Feb-2011
(Media Comment)
Business Day reported that Capitec announced that it was not going to increase its fees this year because customers were already overburdened with other cost pressures, particularly higher electricity, school fees, food and petrol prices. CEO Riaan Stassen noted that by not increasing fees, Capitec would be one of the most competitively priced banks in SA.
15-Feb-2011
(Media Comment)
Business Report commented that according to Capitec, cash supplies at ATM's may be affected by the trucker strike that started on 15 February 2011. Capitec, a microlender and retail bank, said the retail and money dispensing industries might soon affected if the strike continued. Capitec spokesman Charl Nel said the strike meant money was not being collected from the big retailers. "This increases the risks of armed robbery as the retailers are sitting with millions in cash that has not been collected," he said. According to Nel, cash-in transit van routinely collected money from retailers and took it to the counting houses. From there the cash was dispensed. According to Nel the whole industry will be affected.
08-Feb-2011
(Official Notice)
Capitec advised that a reasonable degree of certainty exists that earnings and headline earnings per share for the year ending on 28 February 2011 will exceed the comparable earnings and headline earnings per share for the previous corresponding period being 28 February 2010 by between 30% and 50%. The financial results for the year ending on 28 February 2011 are expected to be published on or about 30 March 2011.
31-Jan-2011
(Official Notice)
Shareholders are referred to the announcements of the Capitec rights offer published on the JSE Limited ("JSE") Stock Exchange News Service ("SENS") on 25 November 2010, 9 December 2010 and 17 December 2010 and the circular dated 10 January 2011 detailing the terms of the said offer. In terms hereof Capitec announced the raising of approximately R1.05 billion by way of an underwritten renounceable rights offer of 8 420 462 new Capitec ordinary shares of R0.01 each ("rights offer shares") to qualifying Capitec ordinary shareholders ("rights offer").



The rights offer shares were issued in the ratio of 1 rights offer share for every 10 Capitec ordinary shares held on the record date, being Friday, 7 January 2011 ("record date") at a subscription price of R125.00 per rights offer share. Sanlam Capital Markets Limited ("SCM" or "the underwriter") agreed to underwrite the rights offer up to a maximum amount of R646 million, represented by 5 166 992 rights offer shares. SCM will settle the issue price of the rights offer shares to be issued to them, which they subscribed for pursuant to their underwriting obligations, in cash.



For Capitec shareholders who have subscribed for the rights offer:

*share certificates will be posted to the holders of certificated Capitec shares on or about Monday, 31 January 2011; and

*the Central Securities Depository Participant ("CSDP") or broker accounts of holders of dematerialised Capitec shares will be credited with the rights offer shares and debited with any payments due on Monday, 31 January 2011.

28-Jan-2011
(Official Notice)
The directors of Capitec and Capitec Bank Limited, the wholly owned banking subsidiary of Capitec ("the companies") are pleased to announce the appointment of Mr Markus Jooste as a non-executive director to the boards of both the companies.
27-Jan-2011
(Official Notice)
Mr Tshepo Mahloele, a non-executive director of Capitec and Capitec Bank Limited ("Capitec Bank"), the wholly owned banking subsidiary of Capitec ("the companies"), has due to work pressure resigned from the boards of the companies with effect from 18 January 2011.
20 Jan 2011 09:15:22
(Media Comment)
The Financial Mail reported that Capitec's targeting of the mass consumer market has given the "Big Four" South African banks a wake-up call and led to questions about the bank been able to sustain its high profit margins. This might be because Capitec is already showing signs of weaker demand. For most of 2010 Capitec boasted average monthly growth of 70 000 customers, but this rate has since slowed to around 50 000 in 2011. CEO Riaan Stassen is not overly concerned though, saying the slowdown is normal for the period after Christmas. Stassen also is not worried about increased competition as he says they are no threat to Capitec's successful business model.
20 Dec 2010 07:50:54
(Media Comment)
Business Day reported that, Capitec Bank Holdings, the second largest South African provider of unsecured loans, rose R4, or 2.5%, on Friday to a record R164. The company said its R1 billion rights offer has become unconditional and would proceed as planned. The subscription price is R125 per rights offer share, The ratio of the rights offer is one rights offer share for every 10 ordinary shares held on the record date, January 7.
17 Dec 2010 08:04:08
(Official Notice)
13 Dec 2010 15:25:29
(Official Notice)
Capitec Bank Holdings Ltd and its subsidiaries ("the group"), have complied with the Bank's Act 1990 (as amended), effective 1 January 2008, which incorporates the requirements of Basel II. In terms of Pillar 3 under Basel II, the consolidated group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis.

09 Dec 2010 15:23:37
(Official Notice)
25 Nov 2010 16:10:27
(Official Notice)
The board of Capitec announced that it will proceed with a renounceable rights offer in terms of which the company intends to raise approximately R1.05 billion. In terms of the rights offer, ordinary shareholders of the company will be entitled to subscribe for shares in the ordinary share capital of the company at a ratio of 1 rights offer share for every 10 Capitec ordinary shares ("rights offer shares") held on the rights offer record date, which is still to be finalised and which will be disclosed to Capitec shareholders in due course ("the rights offer"). It is anticipated that the rights offer record date will be on or about Friday, 7 January 2011. The rights offer amounts to 10% of the issued ordinary share capital of the company. The price per rights offer share is R125, which represents a discount of 14.8% to the 30 day volume weighted average traded price as at 24 November 2010. The rights offer will give all ordinary shareholders of Capitec recorded in the register of shareholders on the rights offer record date an opportunity to participate in the rights offer. The net proceeds of the rights offer will be used by the group to optimise the capital base of the group, expand its infrastructure and branch network and increase capacity for loan book growth. PSG Financial Services Ltd, a wholly owned subsidiary of PSG Group Ltd, and Thembeka Capital Ltd holding in total 38.64% of the issued ordinary share capital of Capitec have committed irrevocably to take up their rights offer entitlement in terms of the proposed rights offer. Sanlam Capital Markets Ltd has committed to underwrite the balance of the rights offer. Declaration and finalisation of the rights offer is subject to registration by the Companies and Intellectual Property Registration Office of all documents required to be registered in terms of the Companies Act (Act 61 of 1973), as amended, and approval by the JSE Ltd of the implementation of the rights offer. Shareholders are advised that a more detailed announcement will follow in due course disclosing the pro forma financial effects and salient dates and times of the rights offer.
30 Sep 2010 08:37:47
(Media Comment)
Business Report indicated that Capitec Bank's active client base has surged 42 percent to reach 2.5 million people over the past year as the tough economic climate forced consumers to be cost conscious. Capitec a low cost bank that does not charge any fees on, for example, purchases on local and international debit card, has captured 4 percent of the country's banking market share since listing in 2002.



Capitec chief executive Riaan Stassen said more people were using Capitec as their core bank for borrowing, savings, and other transactions. Stassen added that the company has increased its staff headcount by 900 in the past year. In the six months to August it built 21 new branches around the country, taking the total to 442 branches. Stassen added further, that Capitec was still on track to reach a target of 55 new branches by the end of the financial year, and even though the company are continuing to operate in challenging economic conditions, Capitec has a solid base from which to grow.
29 Sep 2010 07:52:21
(C)
Net interest income was up by 59% to R914.2 million (R575.7 million) and income from operations rose by 43% to R1.3 billion (R915.7 million). Net attributable earnings jumped by 59% to R283.3 million (R178.1 million). In addition, headline earnings on a per share basis improved by 58% to 340cps (215cps).



Dividend

An ordinary interim dividend of 85cps has been declared.



Outlook

Capitec insists that it will continue to open new branches, acquire more clients and grow the bank's advances book while managing capital requirements.
31 Aug 2010 11:06:50
(Official Notice)
The directors of Capitec have declared a preference share dividend of 380.65 cents per share in respect of the six months ended 31 August 2010. The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend : Thursday, 16 September 2010

* Trading ex-dividend commences : Friday, 17 September 2010

* Record date : Thursday, 23 September 2010

* Payment date : Monday, 27 September 2010.
19 Aug 2010 12:32:10
(Official Notice)
Capitec advised that a reasonable degree of certainty exists that earnings and headline earnings per share for the half year ending on 31 August 2010 will exceed the comparable earnings and headline earnings per share for the previous corresponding period being 31 August 2009 by between 40% and 60%. The financial results for the interim reporting period ending on 31 August 2010 are expected to be published on or about 29 September 2010.
14 Jul 2010 08:35:20
(Media Comment)
According to Business Report, Capitec's client base has reached 2.1 million. The bank's almost R20 million advertising campaign has brought Capitec more than 70 000 new accounts every month since September 2009. Capitec's marketing and corporate affairs executive, Carl Fisher, said that Capitec wants "sustain the number of new clients we are getting every month."
08 Jun 2010 08:55:14
(Media Comment)
Business Day wrote that Capitec has denied any rumours about the group been bought out or intending to expand offshore. Speculation surfaced in the first week of June 2010 that Capitec or another local bank might be a target of HSBC, after the UK bank's CEO, Michael Geoghegan, was spotted in South Africa. One analyst said Capitec could be a target as it would be a low-cost option and could roll out products quickly.
02 Jun 2010 17:21:25
(Official Notice)
At the annual general meeting of Capitec shareholders held on Wednesday, 2 June 2010, the requisite majority of shareholders approved all ordinary and special resolutions tabled at the meeting, including the payment of a cash dividend of 155c per ordinary share. The special resolutions will be lodged with the Registrar of Companies for registration in due course.



The salient dates and times in respect of the dividend as previously disclosed in the SENS announcement of 31 May 2010 accordingly remain unchanged and are as follows:

*Last day to trade cum dividend Thursday, 10 June 2010

*Trading ex-dividend commences Friday, 11 June 2010

*Record date Friday, 18 June 2010

*Payment date Monday, 21 June 2010

*Capitec shares may not be dematerialised or rematerialised between Friday, 11 June 2010 and Friday, 18 June 2010, both days inclusive.

20 May 2010 08:30:19
(Media Comment)
Capitec Bank has taken a pot shot at competitors who claim to be customer-focused, with chairman Michiel le Roux wondering what sort of a bank closes it's doors when customers need it most. "Many South Africans complain about their bank but have been with the same bank for years. Banks know that their clients are locked in, and can afford to focus on their internal processes and their own needs," Le Roux said in Capitec's annual report.
13 May 2010 09:26:21
(Media Comment)
Shareholders of Capitec Bank would listen to parties that were interested in buying the JSE-listed low-cost bank, Jannie Mouton, the executive chairman of PSG, which owns 35% of the bank, said yesterday. But Mouton was quick to warn that Capitec was not up for sale and PSG was not talking to any company about it's sale at this stage. PSG, the Stellenbosch-based JSE-Listed financial services company, is the major shareholder in Capitec.



10 May 2010 14:17:04
(Official Notice)
Shareholders are advised that the integrated annual report for the year ended 28 February 2010 containing the audited annual financial statements of the company and the Capitec group as well as the notice of the annual general meeting of the company is being dispatched to shareholders today. There have been no modifications to the audited results which were announced on SENS on 31 March 2010. The Capitec 2010 annual report is available online on the Capitec website (www.capitecbank.co.za).



The group confirms that the annual general meeting of the shareholders of Capitec will be held at Oude Libertas, corner of Adam Tas Road and Libertas Road, Stellenbosch at 12:00 on Wednesday, 2 June 2010, to transact the business set out in the notice of the annual general meeting contained in the Capitec 2010 annual report.
03 May 2010 14:48:17
(Official Notice)
Shareholders are referred to the SENS announcement of 31 March 2010 regarding the summarised audited financial statements for the year ended 28 February 2010. Shareholders are hereby advised that note 8 of the announcement has not been reviewed and reported on by the auditors of the company.
31 Mar 2010 08:52:26
(C)
Net fee income for the year ended was higher on R1.2 billion (2009: R1 billion) . Income from operations increased to R2 billion (2009: R1.5 billion) . Profit for the year rose to R449 million (2009: R319 million) . Furthermore. headline earnings per share was up 44% to 527 cps (2009: 366 cps).



Dividend

The directors recommended a final dividend of 155 cents per share bringing the total dividends for the year to 210 cents per share.



Prospects

Capitec is proud of their people, they have good products and a niche in the market. Capitec expects growth to continue during the coming year.
02 Mar 2010 09:31:14
(Media Comment)
Business Day reported that Capitec will continue its expansion with the roll out of 50 new branches over the next twelve months after the bank said it opened its 400th branch on Friday, 26 February 2010, in Bloemfontein. Despite having over 2 million clients and been much smaller than the big banks such as Absa Group Ltd with more than 11 million clients, Capitec continues to grow fast and opened new branches during the recession. CEO Riaan Stassen attributes Capitec's strong growth to the bank's low-cost business model.
26 Feb 2010 09:17:28
(Official Notice)
The directors of Capitec are pleased to declare Capitec preference share dividend number 7 effective, 28 February 2010 (being Capitec's year-end). The dividend, amounting to 390.51 cents per Capitec preference share, will be paid on Tuesday, 23 March 2010. This is the earliest date possible in terms of the JSE Listings Requirements.



The salient dates for the payment of the Capitec preference share dividend are set out below :

*Last day to trade cum-dividend, Friday, 12 March 2010.

*Trading ex-dividend commences, Monday, 15 March 2010.

*Record date Friday, 19 March 2010.

*Payment date Tuesday, 23 March 2010.

Share certificates may not be dematerialised or rematerialised between Monday, 15 March 2010 and Friday, 19 March 2010, both days included.
09 Feb 2010 14:32:45
(Official Notice)
Capitec hereby advises that a reasonable degree of certainty exists that earnings and headline earnings per share for the year ending on 28 February 2010 will exceed the comparable earnings and headline earnings per share for the previous corresponding period being 28 February 2009 by between 30% and 50%. The financial results for the year ending on 28 February 2010 are expected to be published on or about 31 March 2010.
29 Jan 2010 15:11:44
(Official Notice)
Capitec Bank Ltd ("Capitec Bank"), a wholly-owned subsidiary of Capitec Bank Holdings Ltd, issued a floating rate senior unsecured bond on 29 January 2010 under the bond code CBL09. It is a 7-year floating rate bond with a credit spread of 510 basis points over the 3-month JIBAR rate. The initial rate payable will be 12.290% nominal annual compounding quarterly. The CBL09 bond matures on 29 January 2017.



This is the fourth issue by Capitec Bank under its ZAR4 billion domestic medium term note programme which is listed on the bond market of the JSE Ltd ("the bond market"). In total, ZAR1.962 billion has been issued on the programme to date. The bond issue was placed by Investec Capital Markets, a division of Investec Bank Ltd. The CBL09 bond was listed on the bond market on 29 January 2010.
25 Jan 2010 15:28:56
(Official Notice)
Capitec Bank, a wholly-owned subsidiary of Capitec, registered its bond programme on the bond exchange of South Africa on 25 April 2008. To date, Capitec Bank has issued unsubordinated fixed and floating rate notes to the value of R1.812 billion under this programme. Note holders of Capitec Bank are, in terms of obligation under the bond programme, herewith notified that the board of Capitec Bank has resolved that the size of the Bond Programme be increased from R2 billion to R4 billion.
14 Dec 2009 12:59:39
(Official Notice)
Capitec Bank Holdings Ltd and its subsidiaries ("the group"), have complied with the Bank's Act 1990 (as amended), effective 1 January 2008, which incorporates the requirements of Basel II. In terms of Pillar 3 under Basel II, the consolidated group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis. The disclosures have been prepared in compliance with the group's disclosure policy.
10 Dec 2009 08:39:20
(Media Comment)
A former Capitec Bank senior manager resigned to join competitor African Bank, taking with him confidential information without proper authorisation, it was revealed yesterday. Martinus Janse van Rensburg, a legal adviser at Capitec, told Business Report that the bank had obtained the information after Capitec was granted a court order to do so.
07 Dec 2009 16:39:06
(Official Notice)
05 Nov 2009 09:53:47
(Media Comment)
The Financial Mail has asked if Capitec's earnings growth can continue and despite the fact that funding could constrain growth in the future, the conclusion was largely supportive. It says that Capitec's funding structure is good and they have a good business model. However, with a p:e of 15 the rating shows little room for disappointment.
02 Nov 2009 13:21:12
(Official Notice)
Capitec Bank Ltd, a wholly-owned subsidiary of Capitec Bank Holdings Ltd, issued a combination of floating and fixed rate senior unsecured bonds on 2 November 2009 with redemption dates of 2 November 2012, 2014 and 2016.
01 Oct 2009 10:36:29
(Official Notice)
The interim results which was released on 29 September 2009 that the board of Capitec would consider an interim dividend of 55 cents per ordinary share in respect of the half year period ended 31 August 2009, on 1 October 2009. The directors are pleased to announce that this dividend has been declared. Payment will be effected on Monday, 7 December 2009.



The salient dates for the payment of the interim dividend are set out below:

*Last day to trade to be eligible to receive the cash dividend - Friday, 27 November 2009

*Shares trade ex-dividend - Monday, 30 November 2009

*Record date - Friday, 4 December 2009

*Dividend cheques posted and CSDP/broker accounts credited/updated - Monday, 7 December 2009

29 Sep 2009 11:50:40
(C)
Capitec Bank has shown an increase in client numbers of 489 000 over the past year, to 2.1 million. The number of branches has grown to 371. The group reported interim headline earnings of 215cps compared to 145cps for the six months ended August 2008.



Dividend

The directors will approve an interim ordinary dividend of 55c per share on 1 October 2009.



Prospects

Capitec will continue to manage the bank's book cautiously given the present economic conditions. Management expects to increase new clients for the rest of this financial year as a result of our revised advertising campaign and the group's branch expansion plan. Capitec is on track to reach 400 branches by February 2010. Wholesale and retail funding has grown according to plan and no changes are anticipated in the bank's ability to access loan capital for future growth.
10 Sep 2009 16:23:49
(Official Notice)
The board of Capitec is pleased to announce that Moody's Investors Service has kept the long-term and short-term national scale credit ratings of Capitec Bank Ltd, Capitec's banking subsidiary, unchanged at A2.za and P-1.za respectively. The outlook for both ratings remains stable.
04 Sep 2009 09:58:10
(Media Comment)
Capitec's simple strategy of taking deposits in, paying interest, and then lending the money out at higher rates to people whom it thinks are most likely to pay the loans back, seems to be working. Finweek says the strategy is called "banking lite" because it does not offer a plethora of products to clients and focuses instead on simplicity and collecting the money owed. Detractors say that its reliance on deposits may hold back future expansion. However, this has not happened yet, and Capitec's trading update said that headline earnings per share for the year to August 2009 would beat the corresponding prior period by 35-55%, in a market where its larger competitors are suffering. The bank is also reported to have the lowest banking fees in South Africa and CEO Riaan Stassen says that Capitec's aim is to improve clients banking experience.
31 Aug 2009 09:46:36
(Official Notice)
The directors of Capitec have declared a preference share dividend of 450.41c per share in respect of the six months ending 31 August 2009. Payment will be effected on Monday, 28 September 2009. This is the earliest payment date possible in terms of the JSE Ltd's Listings Requirements. The salient dates for the payment of the preference share dividend are set out below:

* Last day to trade cum-dividend -- Thursday, 17 September 2009

* Trading ex-dividend commences -- Friday, 18 September 2009

* Record date -- Friday, 25 September 2009

* Payment date -- Monday, 28 September 2009

Share certificates may not be dematerialised or rematerialised between Friday, 18 September 2009 and Friday, 25 September 2009, both days included.
19 Aug 2009 09:14:36
(Official Notice)
Capitec hereby advises that a reasonable degree of certainty exists that earnings and headline earnings per share for the year ending 31 August 2009 will exceed the comparable earnings and headline earnings per share for the previous corresponding period being 31 August 2008 by between 35% and 55%. The results for the interim reporting period ending on 31 August 2009 are expected to be published on or about 30 September 2009.
18 Aug 2009 08:55:31
(Media Comment)
Business Day wrote that Capitec has launched a new marketing campaign to transform the way it treats and manages its clientele. CEO Riaan Stassen said Capitec's goal was to grow its client base and that it can achieve this by revamping its internal and external processes. Stassen also commented that the bank has a solid base from which to grow.
18 Jun 2009 09:02:56
(Media Comment)
Research by financial website ThinkMoney says Capitec Bank offers the lowest charges in SA. The study showed that Capitec's Global One facility would earn clients a positive return including net interest income of R252 a year for the "family man" whose transactions totalled between R9 000 and R11 000 a month. Capitec Bank CEO Riaan Stassen said it used technology innovatively to reduce costs. Capitec's Global One facility charged nothing for debt card purchases.
29 May 2009 14:42:15
(Official Notice)
At the annual general meeting of Capitec shareholders held on 29 May 2009, the requisite majority of shareholders approved all ordinary and special resolutions proposed at the meeting, including the payment of a cash dividend of 110c per ordinary share. The special resolutions will be lodged with the Registrar of Companies for registration in due course.



The salient dates for the dividend payment

The salient dates and times in respect of the dividend as previously disclosed in the SENS announcement of 1 April 2009 accordingly remain unchanged and are as follows:

*Last day to trade to be eligible to receive the cash dividend -- Friday, 5 June 2009

*Shares trade ex-dividend Monday, 8 June 2009

*Dividend cheques posted and CSDP/broker accounts credited/updated Monday, 15 June 2009
18 May 2009 15:38:26
(Official Notice)
Capitec Bank Ltd, a wholly-owned subsidiary of Capitec Bank Holdings Ltd, issued a combination of fixed and floating senior unsecured bonds on 18 May 2009, with a redemption date of 18 May 2012. The fixed rate bond, the CBL03, raised ZAR137 million and was issued with a coupon of 12.48%, nominal annual compounding semi-annually, which equated to a credit spread of 415 basis points above the government benchmark R201 bond. The floating rate bond, the CBL04, raised ZAR185 million and was issued at a credit rate spread of 415 basis points over the 3-month JIBAR rate. The initial rate payable will be 12.025% nominal annual compounding quarterly. This is the second issuance by Capitec Bank Ltd under the Bond Exchange of South Africa (BESA) listed ZAR2 billion Domestic Medium Term Note programme. In total, ZAR812 million has been issued on the programme to date. The bond issue was arranged and led by Investec Capital Markets, a division of Investec Bank Ltd. The CBL03 and CBL04 bonds were listed on BESA on 18 May 2009.
11 May 2009 07:24:25
(Media Comment)
Business Day reported that Capitec has signed a five-year, R100 million loan agreement with the Norwegian Investment Fund for Developing Countries (Norfund). Financial director Andre du Plessis said the aim of the agreement was to allow Capitec to grow the maturity and spread of its products, as well as lower the cost of credit for the emerging population.
05 May 2009 17:43:19
(Official Notice)
Shareholders are advised that the annual report containing the audited annual financial statements of Capitec for the year ended 28 February 2009 is being dispatched to shareholders today and contains no modifications to the audited results which were announced on SENS on 1 April 2009. The annual report will be available online on the Capitec website (www.capitecbank.co.za) from 6 May 2009.



Notice of AGM

The company herewith confirms that the annual general meeting of shareholders of Capitec will be held at 12:00 on 29 May 2009 at the Venue at Webersburg, Webersburg Wines, Annandale Road, Stellenbosch to transact the business set out in the notice of the annual general meeting contained in the Capitec 2009 annual report.
01 Apr 2009 08:28:08
(C)
Net fee income increased to R1 billion (R653.4 million) for the year to 28 February 2009. Net profit attributable to ordinary shareholders rose to R319.3 million (R229.1 million). In addition, headline earnings per share was up by 41% to 366cps (259cps).



Dividend

A final ordinary dividend of 110cps has been declared.



Annual general meeting

Notice is hereby given that the annual general meeting of the shareholders of Capitec will be held at "The Venue at Webersburg", Webersburg Wines, Annandale Road, Stellenbosch, on Friday, 29 May 2009 at 12:00.



Outlook

Caution and prudence are necessary under the present conditions. However, plenty of opportunities exist in the market and Capitec is well placed to capitalise on the difficult economic conditions. Capitec will continue to invest in expansion. Management plans to open a further 40 branches in 2009 and expects to obtain much better retail locations due to the market downturn. Credit policy will be adjusted as conditions change to ensure the ideal balance between growth through new client acquisition and bad debts. The cloud on the horizon could be the ability of the bank's clients to keep on servicing their loans. Wholesale and retail funding growth has been very gratifying and we do not anticipate changes in our ability to access loan capital. Capitec expects that the 2010 financial year will be another one of growth and success.
11 Mar 2009 09:50:16
(Official Notice)
Capitec advised that a reasonable degree of certainty exists that earnings and headline earnings per share for the year ended 28 February 2009 will exceed the comparable earnings and headline earnings per share for the year ended 29 February 2008 by between 35% and 45%. The results for the year ended 28 February 2009 are expected to be published on or about 1 April 2009.
27 Feb 2009 11:02:46
(Official Notice)
Capitec declared preference share dividend number five effective, 28 February 2009 (being Capitec's year-end). Payment will be effected on Monday, 23 March 2009. This is the earliest date possible in terms of the JSE Listings Requirements. The Capitec preference share dividend for the six months ending 28 February 2009 amounts to 564.55c per preference share. The salient dates for the payment of the Capitec preference share dividend are set out below:

*Last day to trade cum-dividend -- Friday, 13 March 2009

*Trading ex-dividend commences -- Monday, 16 March 2009

*Record date -- Friday, 20 March 2009

*Payment date -- Monday, 23 March 2009
17 Dec 2008 17:17:28
(Official Notice)
The board of Capitec is pleased to announce that Moody's investors service has kept the long-term national scale credit rating of Capitec Bank Ltd, Capitec's banking subsidiary unchanged at A2.za. The short-term rating at P- 1.za remains similarly unchanged. Both ratings' outlook remains stable. The board of Capitec is very positive about Moody's decision to keep the rating unchanged in the current economic turmoil. The long-term rating reflects a good long-term credit quality and the short-term rating a strong ability to repay short-term debt obligations.
02 Dec 2008 14:29:49
(Official Notice)
Mr Kevin Hedderwick a non-executive director of Capitec and Capitec Bank Limited has decided to retire from the boards of the companies for personal reasons. Mr Hedderwick's retirement is effective 24 November 2008.
01 Oct 2008 18:08:22
(C)
Income from banking grew by 55% year-on-year to R916 million. Transaction income now contributes R125 million to this figure and grew by 72% year-on-year. This was as a result of a growing client base and the increasing use of debit cards. Headline earnings per share increased by 22% to 145c (119c). The directors approved an interim ordinary dividend of 30cps.
22 Sep 2008 16:18:08
(Official Notice)
Earnings and headline earnings of Capitec for the six months ended 31 August 2008 are expected to exceed the earnings and headline earnings of the company for the previous corresponding period ie 31 August 2007 by between 15% and 25%. The results for the six months ended 31 August 2008 are expected to be published on or about 1 October 2008.
29 Aug 2008 16:40:09
(Official Notice)
The directors of Capitec are pleased to declare a Capitec preference share dividend in respect of Capitec`s half year period. Payment will be effected on Monday, 22 September 2008.The preference share dividend for the six months ending 31 August 2008 amounts to 571.13 cents per share.
15 Jul 2008 15:24:36
(Official Notice)
Capitec and its subsidiaries ("group"), have complied with the Bank's Act 1990 (as amended), effective 1 January 2008, which incorporates the requirements of Basel II. In terms of Pillar 3 under Basel II, the consolidated group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis. There was an increase in the capital adequacy ratio of the group that was a result of a change in the methodology used to calculate the operational risk component of the regulatory capital requirement. The group reported to the market on 16 April 2008 that approval was received from the South African Reserve Bank to apply the Alternative Standardised Approach ("ASA") methodology for the calculation of the operational risk component of the regulatory capital requirement.
27 Jun 2008 15:23:55
(Official Notice)
Capitec Bank Ltd, a wholly-owned subsidiary of Capitec, issued a floating rate senior unsecured bond with a redemption date of 6 May 2011, on 27 June 2008. This issue is a second tranche of the CBL02 floating rate bond issued on 6 May 2008 and is issued in terms of the BESA listed R2 billion Domestic Medium Term Note Programme established on 25 April 2008. The floating rate bond was issued at a credit rate spread of 300 basis points over the 3-month JIBAR rate. The JIBAR reset dates are the same as that of the original issue of the CBL02 on 6 May 2008. The initial rate payable will be 14.875% nominal annual compounded quarterly.
28 May 2008 17:29:14
(Official Notice)
At the annual general meeting of Capitec shareholders held on 28 May 2008, the requisite majority of shareholders approved all ordinary and special resolutions proposed at the meeting, including the payment of a cash dividend of 75 cents per ordinary share. Shareholders are to note that ordinary resolutions numbers 11 and 12 were modified to limit ordinary shares placed under the control of the directors to 5% of the issued ordinary share capital of the company. The special resolutions will be lodged with the Registrar of Companies for registration in due course. The salient dates of the dividend payment are as follows:

*Last day to trade to be eligible to receive the cash dividend -- Friday, 6 June 2008

*Shares trade ex-dividend -- Monday, 9 June 2008

*Record date -- Friday, 13 June 2008

*Dividend cheques posted and CSDP/broker accounts credited/updated -- Tuesday, 17 June 2008
14 May 2008 14:58:05
(Official Notice)
Moody's Investors Service has today upgraded the short-term national scale credit rating for Capitec Bank Ltd, Capitec's banking subsidiary, to P-1.za (from P-2.za). The bank's long-term national scale rating of A2.za remains unchanged and has a stable outlook.
06 May 2008 14:04:42
(Official Notice)
The annual report containing the audited annual financial statements of Capitec for the year ended 29 February 2008 is being dispatched to shareholders today and contains no modifications to the audited results which were announced on SENS on 2 April 2008. The annual report is available online on the Capitec website (www.capitecbank.co.za).



Annual general meeting

The annual general meeting of shareholders of Capitec will be held at 12:00 on 28 May 2008 in the Granvin Room, L'Avenir Estate, R44, Klapmuts Road, Stellenbosch to transact the business set out in the notice of the annual general meeting contained in the Capitec 2008 annual report
06 May 2008 14:02:34
(Official Notice)
Capitec Bank Ld, a wholly-owned subsidiary of Capitec, issued a combination of fixed and floating senior unsecured bonds on 6 May 2008, with a redemption date of 6 May 2011. The fixed rate bond, the CBL01, raised R110 million and was issued with a coupon of 14.72% nominal annual compounding semi-annually, which equates to a credit spread of 430 basis points above the government benchmark R153 bond. The floating rate bond, the CBL02, raised ZAR 250 million and was issued at a credit rate spread of 300 basis points over the 3-month JIBAR rate. This is the debut issue by Capitec Bank Ltd under a BESA listed ZAR 2 billion Domestic Medium Term Note (DMTN) programme. The CBL01 and CBL02 bonds were listed on the Bond Exchange of South Africa (BESA) on 6 May 2008.
16 Apr 2008 14:20:44
(Official Notice)
It was reported on 2 April 2008 in the public announcement of the financial results for the year ended 29 February 2008 that Capitec had applied to the South African Reserve Bank ("SARB") for permission to implement the Alternative Standardised Approach ("ASA") for the calculation of operational risk capital required under Basel II. The company announced that the SARB has approved the application, subject to standard conditions, with effect from 1 April 2008. According to our best estimate, if the ASA had been used in the calculation of the bank?s capital adequacy as at 29 February 2008, the capital adequacy ratio would have been 53% as against the 36% reported using the Basic Indicator Approach.
02 Apr 2008 09:38:18
(C)
Headline earnings grew by 32% to R212 million. Headline earnings per share, however, grew by 16% on 2007, after the issue of 10 million new shares to a BEE partners at the end of the previous financial year. This latter percentage is the most modest growth per share since Capitec Bank?s inception. Income from lending grew by 28% to R1.3 billion and transaction fee income grew by 80% to R168 million. Expenses increased by 26%, as the company invested heavily in branch expansion, system development and training of staff.



Dividends

An interim dividend of 25c was paid in December and the Directors declared a final dividend of 75c per share, an increase of 25% over last year.



Prospects

Over the past four months world sentiment in financial markets has swiftly turned negative. This does not impact on customers at present, but it may make access to funding more difficult. The group supports the principle of the new National Credit Act to providing credit on the basis of the ability of borrowers to pay. The act has brought stability and responsibility to the market. The group also supports the legislation regarding debt mediation and trust that sufficient infrastructure will be put in place to regulate the industry and support clients where necessary. The group sees great opportunity in the expansion of their product range, branch network and transaction platform in the coming year. Capitec Bank will continue to revolutionise banking in South Africa.
25 Mar 2008 07:31:20
(Media Comment)
Business Day reported that French development finance institution Proparco has agreed to advance Capitec R150 million to boost its medium-term loan book. Capitec finance director Andree du Plessis said that the five-year fixed loan is the first foreign funding that the group has raised in six years. Discussions with Proparco started in 2004.
29 Feb 2008 08:31:05
(Official Notice)
The directors of Capitec are pleased to declare a Capitec preference share dividend effective today, 29 February 2008 (Capitec's year-end). Payment will be effected on Tuesday, 25 March 2008. This is the earliest date possible in terms of the JSE Listings Requirements. The preference share dividend for the six months ending 29 February 2008 amounts to 527.77 cents per share. The salient dates for the payment of the preference share dividend are:

*Last day to trade cum-dividend - Thursday, 13 March 2008

*Trading ex-dividend commences - Friday, 14 March 2008

*Record date - Thursday, 20 March 2008

*Payment date - Tuesday, 25 March 2008

Share certificates may not be dematerialised or rematerialised between Friday, 14 March 2008 and Thursday, 20 March 2008, both days inclusive.
10 Jul 2006 12:00:06
(Media Comment)
Capitec plans to increase its customer base to 3 million within the next two years. The group told Business Day that it would achieve growth by implementing a new sales team; extending banking facilities and having mobile banks. It also planned to release internet banking in five languages.
24 May 2006 14:23:25
(Official Notice)
At the annual general meeting of Capitec held on 24 May 2006, the requisite majority of shareholders approved all ordinary and special resolutions proposed at the meeting, including the payment of a cash dividend of 45c per share. The special resolutions will be lodged with the Registrar of Companies for registration in due course.
02 May 2006 13:42:29
(Official Notice)
Shareholders are advised that the annual report containing the audited annual financial statements of Capitec for the year ended 28 February 2006 is being dispatched to shareholders today and contains no modifications to the audited results which were announced on SENS on 29 March 2006. The annual general meeting of shareholders of Capitec will be held in the Simonsberg Room, The Spier Conference Centre, Spier, Lynedoch Road, Stellenbosch, on Wednesday, 24 May 2006 at 12:00.
29 Mar 2006 15:04:44
(C)
Capitec earned R115 million (R67 million) for the year with a return on equity of 23% up from 16%. The group's profit increased by 71% for the third consecutive year while its attributable earnings increased by more than 50%. The bank's total expenditure increased by 29% while their cost as a percentage of income declined to 66% (from 73%). Capitec reported headline earnings per share of 165c (101c).



Dividend

The directors proposed a 50% increase in dividend to 45cps, subject to shareholders' approval.



National investment grade rating

The bank has been assigned Baa1.za/Prime-2.za national scale issuer ratings by Moody's Investors Service.



Prospects

In the new financial year the group will be launching a campaign to double the number of clients who deposit their salaries with Capitec Bank. A mobile sales force has been set up to visit employers and enrol clients at their place of employment. The bank is also planning to add about 50 new outlets. As always, Capitec remain careful in planning and aggressive in execution. The board believes that they are creating a business model with international potential.The bank budgeted for an increase in headline earnings per share of 20%.
10 Mar 2006 14:57:03
(Official Notice)
Arch Equity and Capitec have reached agreement relating to the Capitec Option. In terms of the Capitec Option, should Arch Equity not have been certified as a black company by the Financial Sector Charter Council by 28 February 2006, Capitec could have exercised the option and acquired 1 445 582 Capitec ordinary shares from Arch Equity, subject to certain terms and conditions. The parties, however, concluded a new agreement on 14 February 2006 dealing with the Capitec Option and various other related matters. The New Agreement was mainly necessitated as a result of the Codes of Good Practice which changed, inter alia, the definition of a black company. The New Agreement replaces and supercedes any previous agreement(s) between the parties in its entirety and provides inter alia as follows:

*The shareholding structure of Arch Equity Investment Holdings Limited ("Arch Equity BEE Newco") must be confirmed as being implemented by 31 May 2006; Thereafter, the Capitec shares will be transferred to Arch Equity BEE Newco,

*Arch Equity BEE Newco will, in addition to the Capitec shares, acquire a further 1 445 582 Capitec ordinary shares and will not dispose of both the Capitec shares as well as the additional Capitec shares until 2014 in return for the cancellation by Capitec of any pre-emptive rights that it may have in respect of any other Capitec ordinary shares held by Arch Equity, save for such right as set out below; and

*Arch Equity BEE Newco shall ensure, until 2014 (which is the later of the two target dates set in the Financial Sector Charter), that at least 50.1% of its issued share capital is held by black people, failing which, Capitec shall be entitled to acquire the Capitec shares.



Arch Equity BEE Newco will also continue to hold the additional Capitec shares for the aforesaid period. The parties are of the opinion that the terms and conditions of the New Agreement are beneficial to its respective shareholders. The New Agreement allows Capitec to maintain valuable BEE credentials in terms of the Codes, and facilitates Arch Equity in bringing about the BEE restructuring as set out in the BEE circular. Shareholders of Arch Equity and Capitec should note that this announcement is for information purposes only. Neither Capitec nor Arch Equity shareholders are required to take any further action in relation to the announcement.
10 Jan 2006 15:51:22
(Official Notice)
Moody's Investor Service has assigned Baa1.za/Prime-2.za national scale issuer ratings to Capitec Bank Ltd, Capitec's banking subsidiary.
28 Sep 2005 15:08:40
(C)
Interest on loans advanced increased to R318.9 million (R244.9 million) while net impairment charge on loans increased to R23.7 million (R16 million). Income from operations showed good growth at R299 million (R228 million) and net profit was reported at R41.2 million (R29.5 million). Headline earnings and earnings were reported at 58.4cps (43.1cps) and 58.1cps (43.3cps) respectively.



Prospects

Capitec foresees an increase in headline earnings per share of 30% to 50% for the year to 28 February 2006. This forecast has not been reviewed or reported on by our auditors.
20 Jun 2005 11:57:55
(Media Comment)
Business Times, on 19 June 2005, noted that Capitec director Riaan Stassen received R7.7m by selling 500 000 shares.
23 Feb 2010 12:00:26
(X)
The main business of the company is that of a bank controlling company as envisaged in the Banks Act, 1990. The company's subsidiaries are involved in retail banking and the wholesale distribution of consumer goods.


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