Koffie & Kapitaal with Theo Vorster

We're proud sponsors of the new talk show, Koffie & Kapitaal – sharing real stories from SA’s top business minds.

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For many, what makes a great business still feels like a mystery. We see the success but rarely the reality behind it. Koffie & Kapitaal pulls back the curtain to reveal the real stories, grit and personal belief that turn a dream into a lasting South African legacy.

Meet your host, Theo Vorster – published author, seasoned financial advisor and co-founder of the R6 billion company Galileo Capital. Vorster brings his high-level industry experience to sophisticated conversations and creates a trusted space where even the most private leaders open up.

Together with Netwerk24, South Africa’s leading Afrikaans news network, we are proud to launch Koffie & Kapitaal. Expect honest, in-depth conversations from the people redefining our business landscape.

Each episode explores the personal journey of a key figure who is a leader in their industry. Combined with intuitive and thoughtful questions, the show is insightful whether you’re starting a business or looking to grow your own.

While the heart of the episodes lies in the personal stories, the show also includes Kopskuiwe, short expert features from our top executives. These segments share essential market intelligence designed to help you make better financial decisions.

Stream it by clicking the episode links below.

Phillip Retief reflects on Van Loveren’s family legacy

In the launch episode, Theo Vorster sits down with Phillip Retief – one of the four cousins behind Van Loveren Family Vineyards and the latest 1659 Award for Visionary Leadership recipient. Retief shares what it takes to build a family wine legacy: long‑term vision, unity and the drive to create something that lasts.

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Episode 1 covers:

  • The origins of the Retief family farm and how four cousins turned passion into the Four Cousins brand
  • Why having different personalities in a family business can be a real strength instead of a headache
  • How a playbook made for future generations help a family business run smoothly
  • A take on stewardship and why building something that outlasts your own time really matters

 

How Jeanette Marais doubled Momentum to R50 billion

Momentum’s CEO challenges conventions. She shows how discipline, high standards and decisive leadership can reshape what’s possible in business. From leading at scale to turning complex financial decisions into opportunity, Jeanette offers insight few CEOs would share.

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Episode 2 covers:

  • How her relentless discipline took Jeanette from a small Free State town to the top of a listed giant
  • Building a team that refuses to fail – by setting targets others wouldn't touch and never playing it safe
  • Insight on her biggest money mistake – and lessons that stay with her
  • How she's making her boldest goals a reality

 

Henk Lourens on designing for simplicity

Our Head of Strategic Initiatives, Henk Lourens, shares how we grew by making everyday banking easier for South Africans. From aligning branch hours with peak taxi commuter times to simplifying our services, it’s a focus on removing friction in people’s lives that helped us grow from 2 million to 26 million clients.

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Episode 3 covers:

  • Starting small, scaling smart and adapting fast when it 
matters most
  • How client obsession shapes every decision in our business
  • Why keeping culture alive at scale is non-negotiable for sustainable success
  • Evolving beyond banking to stay ahead of the competition

 

Fidelity’s next chapter: A family business ready to list

Fidelity Services Group CEO, Wahl Bartmann, shares a story of consistency and grit. From hands-on early days to spotting opportunities that evolved a family security business into an integrated company employing 70 000 people.  

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Episode 4 covers:

  • Why acquisitions succeed when culture and talent are front of mind
  • Preparing to list and exposing strategy and performance to public scrutiny
  • Moving beyond traditional security with AI, data and rapid response
  • Creating a legacy that sets up the next generation for success

 

From Elvis Blue to Elvis Brew

Linear isn’t always the name of the entrepreneur game – Elvis Blue’s journey proves it. He went from playing to empty chairs to playing it smart, turning a Covid regulatory loophole into a thriving model. Today, his business is built on one idea: people don’t just pay for coffee, they pay for the experience.

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Episode 5 covers:

  • From thinking you’re a genius at 20 to humbly recognising luck and support along the way
  • Opening a container spaza during Covid and turning it into a successful business chain where experience drives margins
  • Choosing franchising as a practical path to scale
  • Using closed doors as a training ground to prepare for opportunity

 

Inside PPS leadership thinking

For Izak Smit, CEO of the Professional Provident Society, success is measured by the impact he leaves on people and the world around him. It’s this mindset that shapes how he leads, builds and stays grounded at the top.

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Episode 6 covers:

  • How he went from hard maths and models to leading one of South Africa’s most unique financial organisations
  • Why boardroom legends aren’t his only mentors
  • How a mutual model built on members instead of clients changes the way value is created
  • The question that defines whether a business stays relevant

 

A love for food and taste for business

From frying nuggets in a London wax museum to building a proudly South African restaurant group, Bertus Basson has always chosen risk over comfort. Today, his work is driven by one priniciple: Authenticity in every dish, space and story.

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Episode 7 covers:

  • How taking a risk at 19 shaped his journey into entrepreneurship
  • Why growing the right people from within is key to scaling without losing quality
  • The role his partnerships play in balancing creativity and business success
  • His advice for aspiring entrepreneurs chasing big dreams in a competitive industry

 

 

Answering the call: Tjaart Kruger returns to rebuild

After retiring, Tjaart Kruger returned to Tiger Brands to support the business during a challenging period. He reflects on a lifetime of leadership, sharing how experience shapes decision-making, character and the kind of leader you become.

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Episode 8 covers:

  • How leadership begins long before formal roles and evolves through lived experience
  • What it took to remodel Tiger Brands and position it for growth again
  • The difference between difficult decisions and important ones – and why leaders need to navigate both
  • The qualities he believes define strong leadership, and what he hopes to see in the next generation

 

Building through uncertainty

Growing up with limited means, Jackie van Niekerk learned early that nothing is handed to you. If you want it, you go and get it. She funded her own studies and chose waitressing over qualifying as a CA – a decision that unexpectedly opened the door into property. Today, she leads Attacq, a roughly R12 billion listed property business. She shares how she focuses on what matters most to build precincts that show what South Africa could look like when systems work.

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Episode 9 covers:

  • Attacq’s precinct vision – to show what life feels like when systems actually work
  • How data quietly shapes big property decisions by exposing inefficiencies in buildings
  • Why ‘balance’ is a myth – and how honest communication at home becomes the real way to manage ambition without burning out
  • How logistics, e-commerce and old office space are reshaping South Africa’s cities

 

Kobus Wiese on why he knows how to mop the floor

Most people know Kobus Wiese as a Springbok. Few expected him to build one of South Africa’s best-known coffee brands. And he didn’t do it from a boardroom – he opened stores himself, worked seven days a week and learned the business from the ground up. Kobus reflects on the risks, mistakes and hard lessons behind building Wiesenhof – an honest look at entrepreneurship told with the humour South Africans know him for.

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Episode 10 covers

  • Kobus tells about his impulsive decision to buy a struggling coffee shop
  • The business principle he still lives by today: If you own the business, you should be able to do every job in it better than anyone else
  • An inside look at how Wiesenhof grew from a single coffee shop into a national brand
  • What he’s carried over from rugby into business
  • Why quality, consistency and service are the backbone of the business  

 

What makes people stay with a bank?

For years, banking innovation was measured by products, pricing and speed. This episode unpacks how we broke from traditional banking thinking and built around what people actually needed. In this episode of Koffie & Kapitaal, Francois Viviers, our Executive for Marketing and Communications, shares how that approach still shapes our brand today.

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Episode 11 covers:

  • The decision to wait five years before changing Mercantile to Capitec Business Banking
  • How we position ourselves as a technology-led business in banking, not a traditional bank that uses technology
  • Rethinking loyalty beyond complex reward systems by delivering value directly to our clients instead
  • Gamified financial education designed to make real-life money decisions easier and more engaging
  • Backing small businesses as a practical way to strengthen South Africa’s economy over time

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