Capitec reports robust capital and liquidity ratios for Q3 FY26

Capitec Group reported Common Equity Tier 1 (CET1) capital of R47,330,467, translating to a CET1 ratio of 33.5% as of November 30, 2025, for the third quarter of FY 2026. This is an increase from the R44,275,091 and 32.3% reported in the second quarter of FY 2026. The total qualifying regulatory capital for the Group stood at R48,383,994, representing 34.2% of risk-weighted assets, well above the required regulatory capital of R16,964,132 (12%).

Capitec Bank also demonstrated strong performance, with CET1 capital of R45,273,089 and a CET1 ratio of 33.3% for the third quarter of FY 2026. Its total qualifying regulatory capital was R46,379,213, or 34.1%, surpassing its required regulatory capital of R16,334,007.

Furthermore, the Group maintained a high Liquidity Coverage Ratio (LCR) of 2,764% and a Net Stable Funding Ratio (NSFR) of 231.6%, both significantly exceeding the 100% required minimums. The leverage ratio for the Group was 20.3%, indicating a well-capitalized position against total exposures of R233,112,746.