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 position at the end of the first quarter
for the 28 February 2016 financial year end is set out below:

                               1st Quarter 2016         4th Quarter 2015
                                  31 May 2015           28 February 2015

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

 COMMON EQUITY TIER 1
 capital (CET1)               11 280 204       30.1     10 628 250        29.4
 Additional Tier 1
 capital (AT1)(1)                181 278        0.5        181 278         0.5

TIER 1 CAPITAL (T1)           11 461 482       30.6     10 809 528        29.9


 Total subordinated
 debt(1)(2)                    1 702 670                1 711 213
 Unidentified loan
 impairments                     415 153                  398 251
TIER 2 CAPITAL (T2)            2 117 823          5.6   2 109 464          5.8

TOTAL QUALIFYING
REGULATORY CAPITAL            13 579 305       36.2     12 918 992        35.7



REQUIRED REGULATORY
CAPITAL(3)                     3 751 252                3 619 641

(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.


                                  1st Quarter 2016        4th Quarter 2015
                                    31 May 2015           28 February 2015

LIQUIDITY COVERAGE RATIO (LCR)
High-quality liquid assets             5 852 360              6 006 253
Net Cash Outflows                         652 409               496 525
Required LCR Ratio                           60%                    60%
Actual LCR Ratio                            897%                  1210%

LEVERAGE RATIO
Tier 1 Capital                         11 461 482            10 809 528
Total Exposures                        55 390 495            53 746 431
Leverage Ratio                             20.7%                  20.1%

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


 By order of the Board
 Stellenbosch
 03 July 2015
 Sponsor - PSG Capital (Pty) Limited

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