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 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 ratios on a
quarterly basis.

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


                               4th Quarter 2016         3rd Quarter 2016
                               29 February 2016         30 November 2015

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

 Common Equity Tier 1
 capital (CET1)               12 625 956       30.1     12 391 507         30.1
 Additional Tier 1
 capital (AT1)(1)                155 381        0.4        181 278          0.4

TIER 1 CAPITAL (T1)           12 781 337       30.5     12 572 785         30.5


 Total subordinated
 debt(1)(2)                    1 401 155                 1 675 083
 Unidentified loan
 impairments                     459 703                   452 232
TIER 2 CAPITAL (T2)            1 860 858        4.4      2 127 315         5.2


TOTAL QUALIFYING
REGULATORY CAPITAL            14 642 195       34.9     14 700 100         35.7



REQUIRED REGULATORY
CAPITAL(3)                     4 089 085                4 118 516


(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 9.75% (2015: 10%) of risk-weighted assets, being the Basel
global minimum requirement of 8% and a South African country-specific buffer
of 1.75% (2015:2%). In terms of the regulations the Individual Capital
Requirement (ICR) is excluded.


                               4th Quarter 2016           3rd Quarter 2016
                               29 February 2016           30 November 2015

LIQUIDITY COVERAGE RATIO
(LCR)
High-Quality Liquid Assets           6,671,459                    7 259 419
Net Cash Outflows(1)                   641 469                      740 224
Required LCR Ratio                         70%                          60%
Actual LCR Ratio                        1 040%                         981%

LEVERAGE RATIO
Tier 1 Capital                      12 781 337                     12 572 785
Total Exposures                     62 738 509                     62 423 041
Leverage Ratio                           20.4%                          20.1%
(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 and leverage ratio calculations refer to our website at
  www.capitecbank.co.za/investor-relations

  By order of the Board
  Stellenbosch
  30 March 2016
  Sponsor - PSG Capital (Pty) Limited

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