Quarterly disclosure in terms of Regulation 43 of the regulations relating to banks Capitec Bank Holdings Limited Registration number 1999/025903/06 Incorporated in the Republic of South Africa Registered bank controlling company Ordinary Share Code: CPI ISIN Number: ZAE000035861 Preference Share Code: CPIP ISIN Number: ZAE000083838 ("Capitec") Capitec Bank Limited Registration number 1980/003695/06 Incorporated in the Republic of South Africa Registered bank Company code: BICAP ("Capitec Bank") Quarterly disclosure in terms of Regulation 43 of the regulations relating to banks Capitec and its subsidiaries ("Capitec 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 Capitec group consolidated and Capitec Bank capital and liquidity positions at the end of the fourth quarter of the 29 February 2024 financial year end are set out below: Capital Adequacy Capitec Group Capitec Bank Ratio("CAR") 4th Quarter 3rd Quarter 4th Quarter 3rd Quarter 2024 2024 2024 2024 29 February 30 November 29 February 30 November 2024 2023 2024 2023 R'000 / % R'000 / % R'000 / % R'000 / % Common Equity Tier 1 capital (CET1) 39 298 719 38 285 180 34 649 992 33 965 746 Additional Tier 1 capital (AT1) - - - - CET1 % 35.5 36.8 32.9 34.0 Tier 1 capital (T1) 39 298 719 38 285 180 34 649 992 33 965 746 T1 % 35.5 36.8 32.9 34.0 General allowance for credit impairment 910 614 874 764 913 165 877 719 Tier 2 capital (T2) 910 614 874 764 913 165 877 719 T2 % 36.3 37.6 33.8 34.9 Total qualifying regulatory capital 40 209 333 39 159 944 35 563 157 34 843 465 Total qualifying regulatory capital % 36.3 37.6 33.8 34.9 Required regulatory capital(1) 13 296 122 12 498 091 12 625 430 11 980 069 (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%. Liquidity Coverage Capitec Group Capitec Bank Ratio ("LCR") 4th Quarter 3rd Quarter 4th Quarter 3rd Quarter 2024 2024 2024 2024 29 February 30 November 29 February 30 November 2024 2023 2024 2023 R'000 / % R'000 / % R'000 / % R'000 / % High-quality liquid assets ("HQLA") 85 894 917 85 677 523 85 894 917 85 677 523 Net cash outflows(1) 3 582 532 3 562 036 3 630 781 3 535 913 Actual LCR % 2 398 2 405 2 366 2 423 Required LCR % 100 100 100 100 (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. Net Stable Funding Capitec Group Capitec Bank Ratio ("NSFR") 4th Quarter 3rd Quarter 4th Quarter 3rd Quarter 2024 2024 2024 2024 29 February 30 November 29 February 30 November 2024 2023 2024 2023 R'000 / % R'000 / % R'000 / % R'000 / % Total available stable funding 184 553 361 186 273 186 180 136 930 182 186 294 Total required stable funding 85 311 405 83 665 069 82 262 591 80 333 390 Actual NSFR % 216.3 222.6 219.0 226.8 Required NSFR % 100 100 100 100 Leverage ratio Capitec Group Capitec Bank 4th Quarter 3rd Quarter 4th Quarter 3rd Quarter 2024 2024 2024 2024 29 February 30 November 29 February 30 November 2024 2023 2024 2023 R'000 / % R'000 / % R'000 / % R'000 / % Tier 1 capital 39 298 719 38 285 180 34 649 992 33 965 746 Total exposures 208 346 500 207 476 766 204 504 920 204 594 191 Leverage ratio % 18.9 18.5 16.9 16.6 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 23 April 2024 Capitec Equity Sponsor: PSG Capital Capitec Bank Debt Sponsor: PSG Capital Date: 23-04-2024 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.