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insure agilit and digitalisation 101110011011 transact Audited summary financial statements for the year ended 28 February 2021 00100011101001011100110101010001 00010 0 simplicity 10011101100101111100100001111000100 0100 01110111 0100010110111011001110001 0011011100110001110111001 0000111 0 10 0101111111000 0 1010 11111000110 01110 101110101 0 000 100 110 0 CAPITEC BANK HOLDINGS LIMITED ( ' Capitec ' or ' the group ' )