South Africa’s biggest digital bank by customers Capitec says most clients are paying back their loans. The bank's fortunes have improved significantly since the lockdown began a year ago. It grew its headline earnings by 18 percent in the six months to February after a 78 percent decline in the first six months of the lockdown. More than 60 percent of the bank's revenue came from transacting fees, as the bank grew its customer base. Capitec has resumed its dividend payout. Courtesy #DStv403