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Following开普银行非银行业务贡献显著，半年度盈利增长强劲
作为南非按客户数量计算最大的零售银行，开普银行（Capitec Bank）在截至2026年8月31日的六个月期间，其旗下开普连接（Capitec Connect）及增值服务（VAS）业务为集团核心收益贡献了1.65亿美元（约合27亿兰特）。受此推动，非银行实体业务占总盈利的比例上升至28.4%，高于2025年的26.3%。
开普连接与增值服务部门主要负责预付话费、数据流量、电力缴费、资金转账及移动服务等业务，这些均属于集团核心银行业务之外的运营范畴。根据周三发布的未经审计的财报，增值服务与开普连接的合并净收入同比增长32%，达到2.322亿美元（约合38亿兰特）。其中，仅增值服务的净收入就增长了30%，达到35亿兰特。这一增长得益于购买预付话费、数据流量、电力及其他服务的客户数量增加了14%，达到1,350万。此外，增值服务交易笔数也增长了26%，达到11亿笔。
移动虚拟运营商业务爆发式增长
作为集团旗下的移动虚拟网络运营商，开普连接依托Cell C的网络销售移动服务。该板块的净收入激增72%，达到1,730万美元（约合2.84亿兰特）。这一数字已接近其在2025年全年产生的2,700万美元（约合4.42亿兰特）总收入的两-thirds（约三分之二）。
In the past three months, the network's active subscribers have increased to 1.8 million, up from 1.1 million a year ago. Data usage more than doubled to 34.3 petabytes (petabytes), and the number of voice call minutes also increased by 84% to 573 million minutes.
In terms of market strategy, the company launched a free on-site call service and increased the maximum phone borrowing limit from US$0.61 (10 rand) to US$6.11 (100 rand). The move prompted subscribers to use a $6 million (approximately R96.8 million) Cape Connect prepayment line, up from the previous $2.2 million (approximately R36.1 million).
Group said in its financial report: "Cape Connect continues to grow at scale as more customers use this product to obtain affordable daily connectivity. The increase in the number of active customers and increased data and service usage have combined to drive this growth."
Diversification Strategy and Digital Transformation Effectiveness
Cape Bank extends business diversification into mobile services and actively explores financial technology, aiming to expand the scale of operations and enhance profitability. Currently, this business cutting-edge expansion strategy is attracting the attention of a number of leading African banks, including Standard Bank, Access Bank and GTBank.
At the same time, the overall performance of Cape Group is also remarkable. In six months, the group's core income increased by 19% to US$580.6 million (approximately R9.5 billion). Although operating costs jumped 5% to US$640.5 million (approximately R10.5 billion), the cost-to-income ratio fell from 40% to 36%. In addition to salaries, technology spending increased 8% to US$103.7 million (approximately R1.7 billion), driven mainly by a 27% surge in cloud expenses and a 20% increase in investment in outsourced technology resources.
In addition, core income from commercial banking increased 52% to US$37.1 million (approximately R609 million), although the credit loss ratio climbed from 2.1% to 3.4%.
In the digital payments space, the number of users using Apple Pay, Google Pay, Samsung Pay and Garmin Pay surged 68% to 2.4 million, driving related consumption to increase 87% to US$3.18 billion (approximately R52.1 billion). Cape Bank's application users also increased from 13.9 million to 16.5 million. Capitec Pay, the group's corporate payment platform, processed 182 million payments for approximately 12.5 million customers, totaling US$2.75 billion (R45 billion), and its net income surged 51% to US$22.3 million (R365 million).
