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 second quarter for the 29 February 2020 financial year end are set out below: 2nd Quarter 2020 1st Quarter 2020 31 August 2019 31 May 2019 Capital Capital Adequacy Adequacy R’000 Ratio % R’000 Ratio % Common Equity Tier 1 capital (CET1) 22 563 756 32.6 21 585 401 31.5 Additional Tier 1 capital (AT1)(1) 74 370 0.1 77 691 0.2 TIER 1 CAPITAL (T1) 22 638 126 32.7 21 663 092 31.7 Unidentified loan impairments 647 418 642 200 TIER 2 CAPITAL (T2) 647 418 0.9 642 200 0.9 TOTAL QUALIFYING REGULATORY CAPITAL 23 285 544 33.6 22 305 292 32.6 REQUIRED REGULATORY CAPITAL(2) 7 970 042 7 870 871 (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) 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. 2nd Quarter 2020 1st Quarter 2020 31 August 2019 31 May 2019 LIQUIDITY COVERAGE RATIO (LCR) High-Quality Liquid Assets 26 628 505 19 259 374 Net Cash Outflows (1) 1 252 413 1 183 119 Actual LCR Ratio 2 126% 1 628% Required LCR Ratio 100% 100% LEVERAGE RATIO Tier 1 Capital 22 638 126 21 663 092 Total Exposures 114 226 273 108 523 925 Leverage Ratio 19.8% 20.0% NET STABLE FUNDING RATIO (NSFR) Total Available Stable Funding(ASF) 103 892 429 98 640 822 Total Required Stable Funding (RSF) 51 546 784 47 794 908 Actual NSFR Ratio 201.5% 206.4% 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 26 September 2019 Sponsor - PSG Capital Proprietary Limited Date: 26/09/2019 07:06:00 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.