Capitec has reported an 18 per cent increase in annual headline earnings per share to 3.858 cents. The bank declared a final gross dividend of 945 cents a share. Capitec said headline earnings increased R3.8 billion to R4.5 billion and the company also announced plans to launch a funeral plan, underwritten by Sanlam, in May. Capitec CEO, Gerrie Fourie joins CNBC Africa for more.