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


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

 Capitec Bank Holdings Limited and its subsidiaries (“group”), have
 complied with the Bank’s Act 1990 (as amended), which incorporates the
 requirements of the Basel Committee on Banking Supervision (Basel).

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

 The group’s consolidated capital and liquidity positions at the end of the
 third quarter for the 29 February 2016 financial year end are set out
 below:


                                  3rd Quarter 2016          2nd Quarter 2016
                                  30 November 2015           31 August 2015

                                                Capital                   Capital
                                               Adequacy                  Adequacy
                                      R’000     ratio %         R’000     ratio %

 Common Equity Tier 1
 capital (CET1)                   12 391 507         30.1   11 736 293         29.5
 Additional Tier 1 capital
 (AT1)(1)                            181 278         0.4       181 278         0.5

TIER 1 CAPITAL (T1)               12 572 785         30.5   11 917 571         30.0


 Total subordinated debt (1)(2)    1 675 083                 1 723 270
 Unidentified loan
 impairments                         452 232                   437 506

TIER 2 CAPITAL (T2)                2 127 315         5.2     2 160 776         5.4


TOTAL QUALIFYING REGULATORY
CAPITAL                           14 700 100         35.7   14 078 347         35.4



REQUIRED REGULATORY
CAPITAL(3)                         4 118 516                3 976 054


(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 10% of risk-weighted assets, being the Basel global minimum
    requirement of 8% and a South African country-specific buffer of 2%. In
    terms of the regulations the Individual Capital Requirement (ICR) is
    excluded.


                                   3rd Quarter 2016     2nd Quarter 2016
                                   30 November 2015      31 August 2015

LIQUIDITY COVERAGE RATIO (LCR)
High-Quality Liquid Assets             7 259 419             6 339 307
Net Cash Outflows                        740 224               624 522
Required LCR Ratio                           60%                  60%
Actual LCR Ratio                            981%                1 015%


LEVERAGE RATIO
Tier 1 Capital                        12 572 785            11 917 571
Total Exposures                       62 423 041            58 399 805
Leverage Ratio                             20.1%                 20.4%


  For the complete LCR and leverage ratio calculations refer to our website
  at www.capitecbank.co.za/investor-relations


  By order of the Board
  Stellenbosch
  14 December 2015
  Sponsor - PSG Capital (Pty) Li

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