Environmental, social, and governance

Capitec is committed to making a real difference in the world we live in. This hub shines a light on Capitec’s business practices and performance across a wide range of sustainability dimensions.

A better world for everyone

Capitec’s purpose is to create sustainable value for all our stakeholders, from investors and shareholders, to clients, employees and suppliers, to consumer activists, regulators and government. We use ESG as a framework to help our stakeholders understand how we manage risks and opportunities around sustainability issues. We aim to embed sustainability principles in everything that we do.

Environmental

Capitec is committed to minimise the impact it has on the environment, through energy efficiency and responsible water and waste management, as well as to its overall resiliency against climate- and nature-related risks.

Social

Capitec is committed to fostering healthy and transparent relationships with all its stakeholders, and to provide a workplace that is safe and diverse, and respectful to all human rights.

Governance

Capitec is committed to good corporate governance which includes robust board and executive management oversight, strong cybersecurity practices, and a zero-tolerance approach to amongst other bribery and corruption, discrimination, harassment, and human rights violations.

ESG Scores

ESG scores provides an objective assessment of a company’s sustainability practices. Investors typically use this evaluation to determine a business’ readiness for disruptive environmental, social and governance risks and opportunities.

Organisation	LSEG (A+ to D-)	Moody's (Out of 100, higher is better)	MSCI (AAA to CCC)	S&P Global (Out of 100, higher is better)	Sustainalytics (Out of 100, lower is better)
2024	B-	-	AA	56	20.32
2023	C+	40	A	45	22.78
2022	C-	30	BBB	38	31.11
2021	C-	-	-	31	-

Organisation	LSEG (A+ to D-)	Moody's(Out of 100, higher is better)	MSCI (AAA to CCC)	S&P Global(Out of 100, higher is better)	Sustainalytics(Out of 100, lower is better)
2024	B-	-	AA	56	20.32
2023	C+	40	A	45	22.78
2022	C-	30	BBB	38	31.11
2021	C-	-	-	31	-

LSEG (A+ to D-)
2024	B-
2023	C+
2022	C-
2021	C-
Moody's(Out of 100, higher is better)
2024	-
2023	40
2022	30
2021	-
MSCI (AAA to CCC)
2024	AA
2023	A
2022	BBB
2021	-
S&P Global(Out of 100, higher is better)
2024	56
2023	45
2022	38
2021	31
Sustainalytics(Out of 100, lower is better)
2024	20.32
2023	22.78
2022	31.11
2021	-

Published reports

Environmental Report 2024.pdf

14 MB

Climate-related Financial Disclosure 2023.pdf

5 MB

Climate-related Financial Disclosure 2022.pdf

9 MB

FTSE4Good

FTSE Russell (the trading name of FTSE International Limited and Frank Russell Company) confirmed that Capitec Bank Holdings Limited has been independently assessed according to the FTSE4Good criteria and has satisfied the requirements to become a constituent of the FTSE4Good Index Series. Created by the global index provider FTSE Russell, the FTSE4Good Index Series is designed to measure the performance of companies demonstrating strong ESG practices. The FTSE4Good indices are used by a wide variety of market participants to create and assess responsible investment funds and other products.

visit lseg.com/en/ftse-russell/indices/ftse4good

National Business Initiative

The NBI is a voluntary coalition of South African and multi-national companies working towards sustainable growth and development in South Africa.

visit nbi.org.za

Report unethical behaviour

Capitec is committed to high ethical standards and requires all employees to act with honesty and integrity. Report any unethical behaviour involving employees at:

Tip-Off’s Anonymous on 0800 00 48 36

Note: Any client account fraud matters should be reported through the normal fraud reporting channel on 0860 10 20 43