CAPITEC BANK HOLDINGS LIMITED - Dealings in Securities by a Director

Dealings in Securities by a Director

CAPITEC BANK HOLDINGS LIMITED
Registration Number: 1999/025903/06
Incorporated in the Republic of South Africa
Registered bank controlling company
Share Code: CPI
ISIN Number: ZAE000035861

DEALINGS IN SECURITIES BY A DIRECTOR

In compliance with the JSE Listings Requirements, the following
information relating to the dealings in securities by a director
is disclosed:

1.
NAME OF DIRECTOR                GR Hardy

COMPANY OF WHICH HE IS A        Capitec Bank Holdings Limited
DIRECTOR
EXECUTIVE/NON-EXECUTIVE         Executive

NATURE OF TRANSACTIONS          Exercise of options through a
                                combination of cash and equity
                                settlement
                                (off-market transaction)

TYPE OF SECURITIES              Options to acquire ordinary
                                shares

CLASS OF SECURITIES             Ordinary

DATE OF TRANSACTION             11 May 2026            (1) – (3)

NUMBER OF OPTIONS EXERCISED       411                           (1)
                                1 134                           (2)
                                2 764                           (3)

NUMBER OF ORDINARY SHARES         357                         (1)
ACQUIRED AS A RESULT OF CASH      654                         (2)
AND EQUITY SETTLEMENT             1 762                       (3)

OPTION STRIKE PRICE (RAND)      R 911.63                        (1)
                                R2 067.19                       (2)
                                R1 828.19                       (3)

STRIKE DATE OF OPTIONS          28 September 2025               (1)
                                23 April 2026                   (2)
                                21 April 2026                   (3)

PERIOD OF EXERCISE              Participants have a nine-month
                                period from the strike date
                                during which options can be
                                exercised
NATURE AND EXTENT OF THE         Direct, beneficial
DIRECTOR'S INTEREST IN THE
TRANSACTION

2.
 NAME OF DIRECTOR                GR Hardy

COMPANY OF WHICH HE IS A         Capitec Bank Holdings Limited
DIRECTOR
EXECUTIVE/NON-EXECUTIVE          Executive
NATURE OF TRANSACTIONS           (1) Off-market transaction in
                                     terms of which the director
                                     transferred ordinary shares
                                     to his associate, Kailua
                                     Kona Proprietary Limited
                                 (2) Off-market transaction in
                                     terms of which Kailua Kona
                                     Proprietary Limited, an
                                     associate of the director,
                                     acquired ordinary shares
                                     from the Director

CLASS AND TYPE OF SECURITIES     Ordinary shares

NUMBER OF SECURITIES             2 773                (1 & 2)
TRANSACTED

DATE OF TRANSACTIONS             11 May 2026          (1 & 2)

PRICE PER SECURITY (RAND)        R4 350               (1 & 2)

TOTAL RAND VALUE OF SECURITIES   R12 062 550          (1 & 2)
TRANSACTED

NAME OF ASSOCIATE                Kailua Kona Proprietary Limited

RELATIONSHIP WITH ASSOCIATE      Mr Hardy is a director of the
                                 associate

NATURE AND EXTENT OF THE         (1)     Direct, beneficial
DIRECTOR'S INTEREST IN THE       (2)     Indirect, non-beneficial
TRANSACTIONS

Clearance to deal in the securities by the director was obtained in
accordance with the JSE Listings Requirements.

12 May 2026
Stellenbosch

Sponsor
PSG Capital

Date: 12-05-2026 04:55:00
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.