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 ("the 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, leverage and
liquidity ratios on a quarterly basis.


The group's consolidated capital and liquidity positions at the end of the
third quarter of the 29 February 2024 financial year end are set out below:


                                  3rd Quarter 2024          2nd Quarter 2024
                                  30 November 2023            31 August 2023

                                             Capital                   Capital
                                            Adequacy                  Adequacy
                                   R'000     Ratio %         R'000     Ratio %

 COMMON EQUITY TIER 1
 CAPITAL (CET1)                38 285 180       36.8     36 625 838       35.9

 Additional Tier 1 capital
 (AT1)                                  -          -              -          -

TIER 1 CAPITAL (T1)            38 285 180       36.8     36 625 838       35.9


 General allowance for
 credit impairment                874 764                   858 615

TIER 2 CAPITAL (T2)               874 764        0.8        858 615        0.9

TOTAL QUALIFYING REGULATORY
CAPITAL                        39 159 944       37.6     37 484 453       36.8

REQUIRED REGULATORY
CAPITAL(1)                     12 498 091                12 226 158


(1)
   This value is currently 12% of risk-weighted assets, being the Basel
global minimum requirement of 8%, the Pillar 2A South African country-
specific buffer of 1%, the Capital Conservation Buffer of 2.5% and the
Domestic Systemically Important Bank ("D-SIB") capital add-on of 0.5%.

                                       3rd Quarter 2024     2nd Quarter 2024
                                       30 November 2023       31 August 2023
                                                  R'000                R'000
LIQUIDITY COVERAGE RATIO
("LCR")
High-Quality Liquid Assets                   85 677 523           80 248 623
Net Cash Outflows(1)                          3 562 036            3 292 349
Actual LCR                                       2 405%               2 437%
Required LCR                                       100%                 100%

(1)
   The total net weighted cash outflows are calculated as the total cash
outflows, less the minimum of either the cash inflows, or 75% of total outflows.


                                       3rd Quarter 2024    2nd Quarter 2024
                                       30 November 2023      31 August 2023
                                                  R'000               R'000
NET STABLE FUNDING RATIO ("NSFR")
Total Available Stable Funding               186 273 186         180 549 116
Total Required Stable Funding                 83 665 096          81 662 686
Actual NSFR                                       222.6%              221.1%
Required NSFR                                       100%               100%



                                       3rd Quarter 2024    2nd Quarter 2024
                                       30 November 2023      31 August 2023
                                                  R'000               R'000
LEVERAGE RATIO
Tier 1 Capital                               38 285 180          36 625 838
Total Exposures                             207 476 766         201 577 746
Leverage Ratio                                    18.5%               18.2%


For the detailed 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

14 December 2023
Sponsor - PSG Capital      

Date: 14-12-2023 02:00:00
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