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Capitec Bank SWOT & PESTLE Analysis

ID : 521106353| Feb 2023| 19 pages

COMPANY PROFILE -Capitec Bank

Business Sector :Banking & Finance

Operating Geography :South Africa, Africa

About Capitec Bank :

Capitec Bank is a South African retail bank that specialises in banking services and offers individuals savings, transactions, and unsecured lending products. The firm is headquartered in Stellenbosch, South Africa and it was established on 1 March 2001. The Company's retail banking division distributes Global One, a retail bank product that allows customers to transact, save, and borrow. Card machines, workplace banking, pay transfers, and financial skills are among the company's commercial offerings. It also offers financial management services. Capitec Bank Limited, the company's main subsidiary, is owned by the company (Capitec Bank). The company's Global One card is linked to each customer's transaction/savings account and provides them with a variety of options for accessing and transacting their money around the world. Card machines, online shopping, and phone/mail orders all accept the Global One card. Capitec announced a needs-based lending solution on November 24, 2021, that allows users to borrow up to R250,000 for education, medical expenditures, home improvements, or vehicles from some of the country's best firms at interest rates as low as prime.
Capitec Bank's USP lies in its being South Africa's leading digital bank, with over 8.6 million digital banking customers, as well as the world's third strongest banking brand. The mission statement of Capitec Bank reads, "An affordable, simplified banking solution would mean very little without excellent service. Our immediate focus is to build a relationship with you to better understand your needs and goals and to empower you to take control of your cash".

Capitec Bank Revenue :


Rand 24.98 billion - FY ending 28 February 2021 (y-o-y growth 1.6%)
Rand 24.59 billion - FY ending 29 February 2020

Competitive Analysis of Capitec Bank

SWOT
PESTLE
The SWOT analysis for Capitec Bank is presented below in a matrix followed by the detailed analysis report:
StrengthsWeaknesses
1. Robust digital banking system during pandemic
2. Diversification in portfolio by creation of Access Facility
3. Strong base with 800+ branches and 16.8 million retail clients
4. Strong Return on Assets (ROA) & Capital Adequacy Ratio (CAR)
1. Increasing debt review towards 0.5%, attributed to clients in government
OpportunitiesThreats
1. Expansion into more cities in South Africa
2. Developing global approach due to strong performance
3. Tapping the informal stokvel market worth $3 billion annually
4. Acquiring Mercantile Bank to enter corporate banking market		1. Faces competition from the BigFour banking companies in South Africa
2. Long-term uncertainty of the pandemic & July 2021 unrest
3. Inflation and higher repo rate in early 2022
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Detailed SWOT Analysis of Capitec Bank

Strength

1. Robust digital banking system during pandemic: Capitec Bank has increased its client base at a record 14% growth to 16.8 million as of August 2021, with 8.9 million of its customers banking digitally. Utilizing the circumstances of the pandemic forcing online transactions, it has created a strong foothold and threatens the hegemony of the BigFour banks in South Africa, namely, Standard Bank Group Ltd., Absa Group Ltd., FirstRand Ltd. and Nedbank Group Ltd. The percentage of digital payments out of net transaction income increased by 28.57% to 45% in May 2020, and has settled at 41% (August 2021). It was recently voted as South Africa’s Best Digital Bank in the SITEisfaction 2021 report. Its Digital Global One Experience allows a customer to create their bank account by authenticating in collaboration with the Ministry of Home Affairs, as well as providing a virtual debit card for transactions. Salient features of its digital banking system include personalized credit grants and a mobile banking application.

2. Diversification in portfolio by creation of Access Facility: While traditional term loans and credit card payments accounted for 41% and 27% of total credit disbursed respectively, Capitec’s recent creation of Access Facility accounted for 43% of total credit disbursed as of August 2021, a monumental growth of 146.3% from its launch in August 2020. A revolving line of credit with flexible repayment options and use-only interest rate payments, Access facility is priced from 12.15% with a lower Return on Equity (ROE) than term loans to lure quality sales and top-notch clients. Capitec ensures correct behaviour as less than 11% of clients settled their Term Loan with an Access Facility, with less than 27% of applications being approved. Daily risk management allows to track client behaviour with recently 13% of Access Facility limits being decreased in line with cash stress and risk monitoring.

The remaining section under "Strength" is available only in the 'Complete Report' on purchase.

Weakness

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Opportunity

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Threat

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Major Competitors :

Major Brands :

  • Capitec Bank
  • Mercantile Bank
  • Mercantile Payment Solutions Limited
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References used in Capitec Bank SWOT & PESTLE Analysis Report

1. It’s Banking, Just Simpler | About Us | Capitec Bank - https://www.capitecbank.co.za/about-us/

2. Unaudited financial results for the 6 months ended 31 August 2021 - https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2022/interim-results/cpihy22.pdf

3. We Can Help With Debt Relief | Good For Credit | Capitec Bank - https://www.capitecbank.co.za/bank-better-live-better/articles/good-for-credit/we-can-help-with-debt-relief/

4. Audited summary financial statements for the year ended 28 February 2021 - https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial-results/2021/annual-report/audited-summary-financial-statements-2021-F.pdf

5. CPI.ZA | Capitec Bank Holdings Ltd. Financial Statements – WSJ - https://www.wsj.com/market-data/quotes/ZA/CPI/financials

The detailed complete set of references are available on request in the 'Complete report' on purchase.

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SWOT & PESTLE.com (2023). Capitec Bank SWOT & PESTLE Analysis - SWOT & PESTLE.com. [online] Available at: https://www.swotandpestle.com/capitec-bank/ [Accessed 26 Mar, 2023].

In-text: (SWOT & PESTLE.com, 2023)

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Capitec Bank SWOT and PESTLE analysis has been conducted by Riti Bhattacharyya and reviewed by senior analysts from Barakaat Consulting.

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