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Key performance indicators Capitec Bank

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Key performance indicators Capitec Bank Powered By Docstoc
					Key
performance
indicators




                                                         2012      2011       Change %   2010      2009
Profitability
Income from banking operations                    Rm      5 646     3 741           51    2 556     1 983
Net loan impairment expense                       Rm     (1 604)     (988)          62     (548)     (468)
Banking operating expenses                        Rm     (2 486)    (1 813)         37   (1 368)   (1 065)
Non-banking operations                            Rm          3          -                    2         6
Tax                                               Rm       (464)     (284)         63      (193)     (137)
Preference dividend                               Rm        (19)       (16)         19      (14)      (19)
Earnings attributable to ordinary shareholders
•	 Basic                                          Rm      1 075       640          68      435       300
•	 Headline                                       Rm      1 078       640          68      437       302
Cost-to-income ratio banking activities             %       44         48                   54        54
Return on ordinary shareholders’ equity             %       29         34                   32        27
Earnings per share
•	 Attributable                                  cents    1 122       757          48      525       364
•	 Headline                                      cents    1 125       757           49     527       366
•	 Diluted attributable                          cents    1 096       730           50     509       357
•	 Diluted headline                              cents    1 099       730           50      511      359
Dividends per share
•	 Interim                                       cents     125         85           47      55        30
•	 Final                                         cents     300        205          46      155        110
•	 Total                                         cents     425        290           47     210       140
Dividend cover                                       x      2.6        2.6                  2.5       2.6


Assets
Net loans and advances                            R’m    16 863    10 071           67    5 225     2 982
Cash and cash equivalents                         R’m     4 551     2 842          60     2 567     1 514
Investments                                       R’m     1 199       989           21    1 306      150
Other                                             R’m     1 009       538          88      390       323
Total assets                                      R’m    23 622    14 440          64     9 488     4 969


Liabilities
Deposits                                          R’m    17 692    10 450          69     7 360     3 317
Other                                             R’m      744        539          38      400       246
Total liabilities                                 R’m    18 436    10 989          68     7 760     3 563


Equity
Shareholders’ funds                               R’m     5 185     3 451           50    1 728     1 406
Capital adequacy ratio                              %       39         41                   37        43
Net asset value per ordinary share               cents    4 962     3 418          45     1 896     1 512
Share price                                      cents   18 500    15 901           16    8 200     3 001
Market capitalisation                             R’m    18 367    14 850           24    6 805     2 485
Number of shares in issue                        ’000    99 282    93 388            6   82 983    82 798




16 Capitec Bank Holdings Limited
                                                            2012     2011     Change %      2010            2009
Equity (continued)
Share options
•	 Number outstanding                                ’000    3 087    4 222        (27)       5 322            5 713
•	 Number outstanding to shares in issue               %        3        5         (40)           6                   7
•	 Average strike price                             cents    4 358    3 510         24        2 888            2 487
•	 Average time to maturity                        months      16       20         (20)          24               25


Operations
Branches                                                      507      455          11         401              363
Employees                                                    7 194    5 331         35        4 154            3 414
Active clients                                       ’000    3 706    2 829         31        2 122            1 545
ATMs
Own                                                           550      479          15          417             368
Partnership                                                  1 526    1 182         29          821              571
Capital expenditure                                  R’m      381      235          62          149              133


Sales
Loans
Value of loans advanced                               Rm    19 393   14 318         35        8 645            6 273
Number of loans advanced                             '000    4 648    3 907         19        2 899            2 717
Average loan amount                                    R     4 172    3 665         14        2 982            2 309
Repayments                                            Rm    16 173   12 117         33        8 288            6 744
Gross loans and advances                              Rm    18 408   10 916         69        5 607            3 238
Loans past due (arrears)                              Rm      932      626          49         350              326
Arrears to gross loans and advances                    %       5.1      5.7                     6.2             10.1
Provision for doubtful debts                          Rm     1 545     845         83          382              256
Provision for doubtful debts to gross loans
and advances                                           %       8.4      7.7                     6.8              7.9
Arrears coverage ratio                                 %      166      135                      109               79
Loan revenue                                          Rm     5 660    3 800         49        2 603            2 032
Loan revenue to average gross loans and advances       %      38.6     46.0                    58.9             74.8
Gross loan impairment expense                         Rm     1 780    1 088         64         620               514
Recoveries                                            Rm      176      100          76           72               46
Net loan impairment expense                           Rm     1 604     988          62         548              468
Net impairment expense to loan revenue                 %      28.3     26.0                    21.1             23.0
Net impairment to average gross loans
and advances                                           %      10.9     12.0                    12.4             17.2


Deposits
Wholesale deposits                                    Rm     7 162    3 954         81        3 669            1 690
Retail call savings                                   Rm     6 348    3 933         61        2 346            1 306
Retail fixed savings                                  Rm     4 015    2 316         73        1 148             265
Net transaction fee income                            Rm      836      532          57         295              160




                                                                                          Integrated Report 2012 17

				
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posted:9/14/2012
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