Capitec Bank Holdings Limited (CKHGY) Q4 2026 Earnings Call Transcript

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[Presentation]

Ladies and gentlemen, please put your hands together for our CEO, Graham Lee.

Graham Lee
CEO & Executive Director

Good morning, everyone. Thank you. It has been a strong year, 25 actually, 25 years of meaningful innovation, 25 years in which we have continued to earn and deepen the trust of what is now more than 26 million active clients. And that’s because of you. So thank you. Thank you to you, all of our people, wherever you are. It is your energy, the energy that you bring and the ownership that you take and your client obsession, which brings these results, which makes our business strong. Thank you.

We want to make a meaningful difference. We want to make a real difference in people’s lives, and our role is enabling them to grow. All of the building that we do, the new solutions we bring to market, they unlock growth. They provide economic opportunity, and they are based on the same founding principles that we’ve always had. Our fundamentals, our fundamentals are clear, and they speak to how we treat our clients, to how we design for them. And of course, our CEO culture, 25 years in, our culture is still our most important competitive advantage. The CEO is how we show up, how we make decisions. And it starts with the client. It starts with putting the client first, obsessing for the client and understanding what they need.

Our results come by putting our clients first. We put our clients first over and above short-term profits because we know that creating shareholder