Michiel Le Roux is a South African businessman, the self-made billionaire Founder and former Chairman of Capitec Bank Holdings Ltd. (JSE: CPI), one of South Africa's fastest-growing retail banks. His career is rooted in finance, banking, and entrepreneurial audacity.

Le Roux holds a B.S. in Law from the University of Stellenbosch. His philosophical approach centers on disruption, simplified banking, and cost efficiency (challenging the traditional, high-cost South African banking oligopoly). His structural contribution is tied to pioneering low-cost, accessible banking for the mass market.

• Capitec Bank (Founder & Former Chairman): The core publicly traded asset, a major provider of low-cost retail banking services (known for its transparent fee structure).
• Banking Pioneer: His success is built on disrupting the South African banking oligopoly by focusing on the mass market with simplified, low-fee products.
• Academic Background: He holds a degree in Law.
• Investment Strategy: His philosophy is rooted in long-term investment in financial infrastructure and maximizing value through low operational costs.

Michiel Le Roux's strategic genius was his commitment to the underserved mass market. He founded Capitec Bank in 2001 (with two partners), recognizing that South Africa's major banks ignored the majority of the population. His structural contribution is immense: pioneering the low-cost, simplified banking model that rapidly gained market share and transformed the national financial services sector. The company successfully executed its IPO on the Johannesburg Stock Exchange (JSE).

He stepped down as Chairman in 2017 (remaining a major shareholder). His wealth is secured by the colossal, long-term, stable profitability of the global retail banking sector and his significant retained equity stake in Capitec Bank.

Michiel Le Roux's social impact is structural, stemming from Capitec Bank's role in driving financial inclusion by providing affordable banking services to millions of previously unbanked South Africans. The company contributes significantly to economic empowerment and financial literacy. His personal philanthropy supports various community and educational initiatives.

His structural contribution is tied to the successful disruption and modernization of the South African financial services sector.

Michiel Le Roux maintains the professional, composed style of a financial executive. His attire is consistently formal and high-quality, favoring tailored suits. His aesthetic reflects serious authority and stability, typical of a leader in the specialized banking sector.

Residing in Stellenbosch, South Africa, his luxury is the immense security and financial reward derived from his multi-billion dollar fortune. His life is dedicated to investment strategy, financial inclusion, and corporate governance.