CAPITEC BANK HOLDINGS LIMITED - Quarterly Disclosure In Terms Of Regulation 43 Of The Regulations Relating To Banks

Quarterly Disclosure In Terms Of Regulation 43 Of The Regulations Relating To Banks

 Capitec Bank Holdings Limited
 Registration number: 1999/025903/06
 Registered bank controlling company
 Incorporated in the Republic of South Africa
 JSE ordinary share code: CPI   ISIN code: ZAE000035861
 JSE preference share code: CPIP   ISIN code: ZAE000083838
 (“Capitec”)

 QUARTERLY DISCLOSURE IN TERMS OF REGULATION 43 OF THE REGULATIONS RELATING
 TO BANKS

 Capitec and its subsidiaries (“group”), have complied with Regulation 43
 of the Regulations relating to banks, which incorporates the requirements
 of Basel.

 In terms of Pillar 3 of the Basel rules, the consolidated group is
 required to disclose quantitative information on its capital adequacy and
 liquidity ratios on a quarterly basis.

 The group’s consolidated capital and liquidity positions at the end of the
 fourth quarter for the 28 February 2019 financial year end are set out
 below:


                                4th Quarter 2019         3rd Quarter 2019
                                28 February 2019         30 November 2018

                                            Capital                   Capital
                                           Adequacy                  Adequacy
                                  R’000     Ratio %          R’000    Ratio %

 Common Equity Tier 1
 capital (CET1)               20 911 742       32.8   20 266 512         33.4
 Additional Tier 1
 capital (AT1)(1)                 77 691        0.1       95 104          0.1

TIER 1 CAPITAL (T1)           20 989 433       32.9   20 361 616         33.5

 Total subordinated
 debt(1)(2)                            -                  91 545
 Unidentified loan
 impairments                     624 762                 594 672

TIER 2 CAPITAL (T2)              624 762        1.0      686 217          1.2

TOTAL QUALIFYING
REGULATORY CAPITAL            21 614 195       33.9   21 047 833         34.7

REQUIRED REGULATORY
CAPITAL(3)                     7 327 549               6 754 061

 (1) Starting 2013, the non-loss absorbent AT1 and T2 capital is subject to a
 10% per annum phase-out in terms of Basel 3.

 (2) Starting 2013, a deemed surplus attributable to T2 capital of
 subsidiaries issued to outside third parties, is excluded from group
 qualifying capital in terms of the accelerated adoption of Basel 3. This
 deduction phases in at 20% per annum.

 (3) This value is 11.500% (2018: 11.125%) of risk-weighted assets, being the
 Basel global minimum requirement of 8.000%, the South African country-
 specific buffer of 1.000% (2018: 1.250%) and the Capital Conservation
 Buffer of 2.500% (2018: 1.875%), disclosable in terms of SARB November
 2016 directive in order to standardise reporting across banks. In terms of
 the regulations the Individual Capital Requirement (ICR) is excluded.

                                        4th Quarter 2019      3rd Quarter 2019
                                        28 February 2019      30 November 2018

LIQUIDITY COVERAGE RATIO (LCR)

High-Quality Liquid Assets                    16 352 197        17 221 301
                    
Net Cash Outflows (1)                          1 127 690         1 075 499
Actual LCR Ratio                                  1 450%            1 601%
Required LCR Ratio                                  100%               90%


LEVERAGE RATIO
Tier 1 Capital                                20 989 433        20 361 616
Total Exposures                              100 801 802        99 206 342
Leverage Ratio                                     20.8%             20.5%


NET STABLE FUNDING RATIO (NSFR)
Total Available Stable Funding(ASF)           91 043 608        89 937 489
Total Required Stable Funding (RSF)           46 548 253        44 775 231
Actual NSFR Ratio                                 195.6%            200.9%
Required NSFR Ratio                                 100%              100%


(1) As Capitec has a net cash inflow after applying the run-off weightings,
outflows for the purpose of the ratio are deemed to be 25% of gross outflows.


      For the complete LCR, NSFR and leverage ratio calculations refer to the
      “Banks Act Public Disclosure” section on our website at
      www.capitecbank.co.za/investor-relations


      By order of the Board
      Stellenbosch
      28 March 2019
      Sponsor - PSG Capital Proprietary Limited

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