Capitec Bank Holdings Limited is a South Africa-based company, which operates through its subsidiaries, Capitec Bank Limited (the bank), Capitec Ins Proprietary Limited and Capitec Life Limited. The Company’s segments include Personal banking, Business banking, Insurance, and AvaFin. The Personal banking segment includes transactional banking services; loan products that are granted to Personal banking clients, which includes loans, credit cards and access facilities; and flexible, fixed, and tax-free savings. The Business banking segment includes loan products that are granted to business banking clients, such as term loans, overdrafts, instalment sales, leases and credit cards; call and notice deposits; treasury products, which include foreign exchange spot trades and foreign exchange forward contracts. The Insurance segment provides long-term insurance products to retail bank clients. The AvaFin segment includes short-term loan products, credit line products, and instalment loans.