S&P Global Ratings Affirms Capitec Bank’s Credit Ratings CAPITEC BANK HOLDINGS LIMITED Incorporated in the Republic of South Africa Registration number: 1999/025903/06 JSE share code: CPI ISIN: ZAE000035861 JSE share code: CPIP ISIN: ZAE000083838 (“Capitec” or “the Company”) CAPITEC BANK LIMITED Incorporated in the Republic of South Africa Registration No. 1980/003695/06 Company code: BICAP Stock Code: CBL13 ISIN Code: ZAG000092560 Stock Code: CBL14 ISIN Code: ZAG000092552 Stock Code: CBL17 ISIN Code: ZAG000099359 Stock Code: CBL18 ISIN Code: ZAG000099367 Stock Code: CBL20 ISIN Code: ZAG000102245 Stock Code: CBL22 ISIN Code: ZAG000105305 Stock Code: CBL24 ISIN Code: ZAG000130881 Stock Code: CBL25 ISIN Code: ZAG000136110 Stock Code: CBL26 ISIN Code: ZAG000136128 Stock Code: CBL27 ISIN Code: ZAG000143884 Stock Code: CBL28 ISIN Code: ZAG000151333 (“Capitec Bank”) S&P GLOBAL RATINGS (“S&P”) AFFIRMS CAPITEC BANK’S CREDIT RATINGS S&P affirmed all of the credit ratings of Capitec Bank, the wholly owned subsidiary of Capitec. The long-term global ratings are ‘BB’ and the short-term global ratings ‘B’. The outlook is stable. The South African national scale ratings are affirmed as ‘zaAA’ long-term and ‘zaA-1+’ short-term. S&P mention in their research update issued on 13 September 2018, that their expectation is ‘the bank’s asset quality, profitability and capitalisation will remain broadly stable over the next 12 months.’ Stellenbosch 14 September 2018 Sponsor PSG Capital Date: 14/09/2018 10:05:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.