Full Year 2023 Capitec Bank Holdings Ltd Earnings Call Transcript
Yes. Good morning, ladies and gentlemen, it's nice for me to be here and to present the results. It's actually quite a strange feeling. The last time I did results in front of people was in 2019. So yes, 6 years later, I know 6 years, 6 presentations later, it's actually nice to see faces and be able to enjoy interaction for the investors. We're presenting from the Capitec campus. So it's quite nice for ourselves. Just again, if you've got any questions, as I'll go through, just send through your questions, we'll answer the questions right at the end.
If I look at the Capitec story for the last year, it's a story about really about a tough year, but it's also the story about building the future. How are we building the future and how are we creating a unique company that can last another 100 years.
If I look at the results, there's 4 things that stands out. The first is earnings growth of 15% in a tough economy. I think we need to be proud of that. I think the other thing, a big milestone is 20
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