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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

Capricorn Group

CGP · Namibian Stock Exchange · Consolidated statements

On this page
Company details
Legal name
Capricorn Group Limited
Listing
CGP on the Namibian Stock Exchange, active (observed 2026-10-06)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
30 June

Overview

Year ended 30 June 2025 · audited financial statements, signed / final · source

Read with these figures

  • Auditor's emphasis of matter. No emphasis-of-matter or material-uncertainty paragraph is printed; key audit matter: impairment of advances (p6).
Full wording and sources

  • Auditor's emphasis of matter

    No emphasis-of-matter or material-uncertainty paragraph is printed; key audit matter: impairment of advances (p6).

    Source: Capricorn Group Annual Financial Statements 2025 (for the year ended 30 June 2025) (dated 2025-09-16)

  • Revenue

    Not reported in this filing

  • Operating profit / (loss)

    NAD 2.47 billion

    2,466 NAD millions · p11

    +14.3% vs 2024

  • Profit / (loss) for the year

    NAD 1.99 billion

    1,993 NAD millions · p11

    +14.8% vs 2024

  • Total assets

    NAD 72.5 billion

    72,522 NAD millions · p12

    +2.7% vs 2024

  • Total equity

    NAD 11.3 billion

    11,276 NAD millions · p12

    +11.5% vs 2024

  • Cash from operations

    NAD 3.18 billion

    3,175 NAD millions · p14

    +84.4% vs 2024

Large amounts are rounded for reading (NAD million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in NAD millions unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY to 30 Jun 2025 — audited financial statements, signed / final; reported for the year · source
  • FY to 30 Jun 2024 — audited financial statements, signed / final; comparative in the FY to 30 Jun 2025 filing · source

Income statement

Income statement, NAD millions. Columns: FY to 30 Jun 2025 — audited financial statements (signed / final), as reported for the year; FY to 30 Jun 2024 — audited financial statements (signed / final), comparative reported in the audited financial statements for 2025.
Line (as printed) FY to 30 Jun 2025Audited financial statementsreported for the yearFY to 30 Jun 2024Audited financial statementscomparative in FY to 30 Jun 2025 filing
Interest and similar income 6,786 6,675
Interest and similar expenses (3,387) (3,587)
Net interest income 3,399 3,088
Credit impairment losses (315) (328)
Net interest income after credit impairment losses1 3,084 2,760
Non-interest income 2,422 2,141
Fee and commission income 1,558 1,450
Net trading income 343 271
Other operating income 119 89
Insurance service result 185 157
Insurance revenue 236 212
Insurance service expenses (51) (55)
Insurance finance expenses (44) (37)
Asset management and administration fees2 261 211
Operating income 5,506 4,901
Operating expenses (3,040) (2,743)
Operating profit 2,466 2,158
Share of associates' results after tax 211 195
Profit before income tax 2,677 2,353
Income tax expense (684) (617)
Profit for the period 1,993 1,736
Change in value of debt instruments at fair value through other comprehensive income3 10 38
Income tax expense4 (1) (13)
Exchange differences on translation of foreign operations5 (100) (54)
Change in value of equity instruments at fair value through other comprehensive income6 2 –7
Income tax expense8 (1) –7
Total comprehensive income for the year 1,903 1,707
  1. Printed “-”, read as nil: subtotal_arithmetic: is.total_comprehensive_income.
Notes and alternative reported figures (7)
  1. “Net interest income after credit impairment losses” is an issuer-specific line, not mapped to a shared definition: Net interest income less credit impairment losses.
  2. “Asset management and administration fees” is an issuer-specific line, not mapped to a shared definition: Note 7.7: within non-interest income.
  3. “Change in value of debt instruments at fair value through other comprehensive income” is an issuer-specific line, not mapped to a shared definition: OCI item that may be reclassified.
  4. “Income tax expense” is an issuer-specific line, not mapped to a shared definition: Note 11; OCI item that may be reclassified.
  5. “Exchange differences on translation of foreign operations” is an issuer-specific line, not mapped to a shared definition: OCI item that may be reclassified.
  6. “Change in value of equity instruments at fair value through other comprehensive income” is an issuer-specific line, not mapped to a shared definition: OCI item that will not be reclassified.
  7. “Income tax expense” is an issuer-specific line, not mapped to a shared definition: Note 11; OCI item that will not be reclassified.

Balance sheet

Balance sheet, NAD millions. Columns: FY to 30 Jun 2025 — audited financial statements (signed / final), as reported for the year; FY to 30 Jun 2024 — audited financial statements (signed / final), comparative reported in the audited financial statements for 2025.
Line (as printed) FY to 30 Jun 2025Audited financial statementsreported for the yearFY to 30 Jun 2024Audited financial statementscomparative in FY to 30 Jun 2025 filing
Cash and cash equivalents 7,689 6,340
Financial assets at fair value through profit or loss 2,656 3,339
Financial assets at amortised cost 1,169 1,048
Financial assets at fair value through other comprehensive income 7,146 7,805
Loans and advances to customers 50,621 48,794
Other assets 593 549
Current tax asset 10 108
Investment in associates 1,244 1,300
Intangible assets 606 534
Property and equipment 676 640
Deferred tax asset 112 127
Total assets 72,522 70,584
Due to other banks 311 195
Other borrowings 1,730 1,864
Debt securities in issue1 4,167 4,764
Deposits 52,899 51,851
Other liabilities 1,447 1,253
Current tax liability 30 7
Insurance contract liabilities 639 517
Post-employment benefits 23 22
Total liabilities 61,246 60,473
Share capital and premium2 627 708
Non-distributable reserves3 87 74
Distributable reserves4 10,084 8,816
Equity attributable to the owners of the parent 10,798 9,598
Non-controlling interests in equity 478 513
Total shareholders' equity 11,276 10,111
Total equity and liabilities 72,522 70,584
Notes and alternative reported figures (4)
  1. “Debt securities in issue” is an issuer-specific line, not mapped to a shared definition: Note 24.
  2. “Share capital and premium” is an issuer-specific line, not mapped to a shared definition: Note 29: share capital and share premium, net of treasury shares.
  3. “Non-distributable reserves” is an issuer-specific line, not mapped to a shared definition: Note 32: insurance fund, margin entitlement and EasyWallet reserves.
  4. “Distributable reserves” is an issuer-specific line, not mapped to a shared definition: Note 33: share-based compensation, fair value, general banking and FCTR reserves and retained earnings.

Cash flow

Cash flow, NAD millions. Columns: FY to 30 Jun 2025 — audited financial statements (signed / final), as reported for the year; FY to 30 Jun 2024 — audited financial statements (signed / final), comparative reported in the audited financial statements for 2025.
Line (as printed) FY to 30 Jun 2025Audited financial statementsreported for the yearFY to 30 Jun 2024Audited financial statementscomparative in FY to 30 Jun 2025 filing
Cash receipts from customers*1 9,057 9,183
Cash paid to customers, suppliers and employees**2 (6,600) (6,366)
Cash generated from operations 2,457 2,817
Net financial assets at amortised cost and fair value through profit or loss3 527 (536)
Proceeds from financial assets at fair value through OCI4 13,951 23,574
Purchases of financial assets at fair value through OCI5 (12,670) (25,338)
Net loans and advances to customers and banks6 (2,128) (3,727)
Net other assets7 (29) 41
Deposits from customers and due to other banks8 1,140 5,652
Other liabilities9 328 (170)
Net cash generated from operations10 3,576 2,313
Dividends received11 149 25
Income taxes paid (637) (684)
Income taxes refunds12 87 68
Net cash generated from operating activities 3,175 1,722
Additions to property and equipment (161) (113)
Additions to intangible assets (136) (107)
Additional shares acquired in associates13 –14 (243)
Redemption of unit trust investments15 1,459 1,142
Investments of unit trust investments16 (1,482) (1,204)
Net cash utilised in investing activities (320) (525)
Treasury shares acquired17 (68) (46)
Treasury shares sold18 59 30
Redemption of ordinary shares19 –20 (5)
Proceeds from other borrowings 252 1,383
Redemption of other borrowings (408) (425)
Redemption of debt securities in issue21 (583) (2,084)
Proceeds from the issue of debt securities22 3 1,253
Lease payments made23 (86) (81)
Additional shares acquired in subsidiaries24 (69) –20
Dividends paid (621) (560)
Net cash utilised in financing activities (1,521) (535)
Net increase / (decrease) in cash and cash equivalents from operations 1,334 662
Cash and cash equivalents at the beginning of the year 6,340 6,081
Effects of exchange rate changes on cash and cash equivalents 15 (403)
Cash and cash equivalents at the end of the year 7,689 6,340
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
  2. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (22)
  1. “Cash receipts from customers*” is an issuer-specific line, not mapped to a shared definition: Note 35.1; includes interest and similar income received.
  2. “Cash paid to customers, suppliers and employees**” is an issuer-specific line, not mapped to a shared definition: Note 35.2; includes interest and similar expenses paid.
  3. “Net financial assets at amortised cost and fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Change in operating assets.
  4. “Proceeds from financial assets at fair value through OCI” is an issuer-specific line, not mapped to a shared definition: Change in operating assets.
  5. “Purchases of financial assets at fair value through OCI” is an issuer-specific line, not mapped to a shared definition: Change in operating assets.
  6. “Net loans and advances to customers and banks” is an issuer-specific line, not mapped to a shared definition: Change in operating assets.
  7. “Net other assets” is an issuer-specific line, not mapped to a shared definition: Change in operating assets.
  8. “Deposits from customers and due to other banks” is an issuer-specific line, not mapped to a shared definition: Change in operating liabilities.
  9. “Other liabilities” is an issuer-specific line, not mapped to a shared definition: Change in operating liabilities.
  10. “Net cash generated from operations” is an issuer-specific line, not mapped to a shared definition: Cash generated from operations after changes in operating assets and liabilities.
  11. “Dividends received” is an issuer-specific line, not mapped to a shared definition: Operating activities.
  12. “Income taxes refunds” is an issuer-specific line, not mapped to a shared definition: Note 35.4; operating activities.
  13. “Additional shares acquired in associates” is an issuer-specific line, not mapped to a shared definition: Note 35.5; investing.
  14. “Redemption of unit trust investments” is an issuer-specific line, not mapped to a shared definition: Investing.
  15. “Investments of unit trust investments” is an issuer-specific line, not mapped to a shared definition: Investing.
  16. “Treasury shares acquired” is an issuer-specific line, not mapped to a shared definition: Financing.
  17. “Treasury shares sold” is an issuer-specific line, not mapped to a shared definition: Financing.
  18. “Redemption of ordinary shares” is an issuer-specific line, not mapped to a shared definition: Financing.
  19. “Redemption of debt securities in issue” is an issuer-specific line, not mapped to a shared definition: Note 24; financing.
  20. “Proceeds from the issue of debt securities” is an issuer-specific line, not mapped to a shared definition: Note 24; financing.
  21. “Lease payments made”: mapping to a shared definition is uncertain. Lease payments made, one line (principal and interest not separated).
  22. “Additional shares acquired in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Financing.

Per share and shares

Per share and shares. Columns: FY to 30 Jun 2025 — audited financial statements (signed / final), as reported for the year; FY to 30 Jun 2024 — audited financial statements (signed / final), comparative reported in the audited financial statements for 2025.
Line (as printed) FY to 30 Jun 2025Audited financial statementsreported for the yearFY to 30 Jun 2024Audited financial statementscomparative in FY to 30 Jun 2025 filing
Earnings / (loss) per share (per share)41 3.6732 3.1963
Profit / (loss) attributable to shareholders (NAD millions)5 1,858 1,618
  1. Printed as 367.3 cents; value converted to NAD at 100 cents = 1 NAD.
  2. Printed as 319.6 cents; value converted to NAD at 100 cents = 1 NAD.
Notes and alternative reported figures (3)
  1. “Basic (cents)”: mapping to a shared definition is uncertain. Basic EPS; fully diluted EPS is printed separately and differs (native).
  2. Earnings / (loss) per share: printed as “Basic (cents)”.
  3. Profit / (loss) attributable to shareholders: printed as “Equity holders of the parent entity”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
30 Jun 2025 Dividends paid (cash flow statement) Dividends paid (621) NAD millions Audited financial statements, p14
30 Jun 2024 Dividends paid (cash flow statement) Dividends paid (560) NAD millions Audited financial statements, p14

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Capricorn Group Annual Financial Statements 2025 (for the year ended 30 June 2025)

    Year ended 30 June 2025 · Audited financial statements · signed / final

    Audit: Deloitte & Touche, Registered Accountants and Auditors, Chartered Accountants (Namibia) (Johann Cronjé, Partner), unmodified opinion · signed

    Auditor's sign-off: Deloitte & Touche, per Johann Cronjé, Partner

    Final status: Independent auditor's report on the consolidated financial statements (pages 6 to 111) signed in manuscript 'Deloitte & Touche' above 'Deloitte & Touche, Registered Accountants and Auditors, Chartered Accountants (Namibia), Per: Johann Cronjé, Partner, Windhoek, 16 September 2025' (PDF p7, page image; opinion p5). Statements authorised and approved by the board on 16 September 2025, signed by D G Fourie (Chairman) and D Nuyoma (Group Chief Executive Officer) with manuscript signatures (PDF p4, page image).

    Document date
    16 Sep 2025
    Auditor's report
    16 Sep 2025
    Board approval
    16 Sep 2025
    Retrieved by us
    17 Oct 2026 (not a publication date)
    Used for
    statement columns FY to 30 Jun 2025, FY to 30 Jun 2024
    Basis
    consolidated statements · NAD millions (printed “N$'million”)
    • Bank presentation: no revenue or gross-profit line; the statement of financial position is unclassified (no current/non-current split), so current and non-current subtotals are not reported. Non-interest income (2 422; 2024: 2 141) is printed with an indented breakdown: fee and commission income, net trading income, other operating income, insurance service result (insurance revenue less insurance service expenses), insurance finance expenses and asset management and administration fees (p11).
    • Other comprehensive income is printed only as its components (debt instruments at FVOCI 10, income tax (1), exchange differences (100), equity instruments at FVOCI 2, income tax (1)); no OCI total line is printed (total comprehensive income 1 903; 2024: 1 707) (p11).
    Technical details
    File
    115 pages, with a text layer
    SHA-256
    fc634249ce98ac8e7f3b50d7916e968e7c39c8dac702e70c499aefbfe15eeea7
    Entity as printed
    Capricorn Group Limited and its subsidiaries (the 'Group')
    Issuer copy
    retrieved 2026-10-17T13:51:42Z

Data notes

No figure-level notes beyond those in the tables.

Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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