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Quarterly Pillar 3 capital adequacy, liquidity and leverage disclosures at 31 May 2026
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 Pillar 3 capital adequacy, liquidity and leverage disclosures at
31 May 2026
Shareholders are advised that Capitec and Capitec Bank have released their
Pillar 3 disclosure report for the financial quarter ended 31 May 2026.
The disclosures have been prepared in accordance with Directive 10 of 2025
issued by the Prudential Authority, which sets out the Pillar 3 disclosure
requirements framework issued in terms of section 6(6) of the Banks Act, 94 of
1990. The detailed Pillar 3 disclosure report is available under the "Banks Act
Public Disclosure" section of the Group's website at
https://www.capitecbank.co.za/investor-relations.
The Capitec Group and Capitec Bank capital, liquidity, and leverage positions at
the end of the first quarter of the 28 February 2027 financial year (FY) end are
set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
1st Quarter 4th Quarter 1st Quarter 4th Quarter
FY 2027 FY 2026 FY 2027 FY 2026
31 May 28 February 31 May 28 February
2026 2026 2026 2026
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 51 517 409 47 036 727 49 221 115 47 302 762
CET1 % 34.9 32.5 34.4 33.9
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 51 517 409 47 036 727 49 221 115 47 302 762
T1 % 34.9 32.5 34.4 33.9
General allowance for
credit impairment 1 190 985 1 162 172 1 186 893 1 153 041
Tier 2 capital (T2) 1 190 985 1 162 172 1 186 893 1 153 041
T2 % 0.8 0.8 0.8 0.9
Total qualifying
regulatory capital 52 708 394 48 198 899 50 408 008 48 455 803
Total qualifying
regulatory capital % 35.7 33.3 35.2 34.8
Required regulatory
capital(1) 19 191 728 18 799 250 18 595 410 18 122 020
(1) This value is currently 13% 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%, the
Domestic Systemically Important Bank ("D-SIB") capital add-on of 0.5%,
and the countercyclical buffer of 1%.
Liquidity Coverage Capitec Group Capitec Bank
Ratio ("LCR")
1st Quarter 4th Quarter 1st Quarter 4th Quarter
FY 2027 FY 2026 FY 2027 FY 2026
31 May 28 February 31 May 28 February
2026 2026 2026 2026
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 100 869 614 101 464 194 100 869 614 101 464 194
Net cash outflows(1) 4 190 423 3 564 563 4 275 689 3 750 310
Actual LCR % 2 407 2 846 2 359 2 705
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")
1st Quarter 4th Quarter 1st Quarter 4th Quarter
FY 2027 FY 2026 FY 2027 FY 2026
31 May 28 February 31 May 28 February
2026 2026 2026 2026
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 234 446 445 227 960 623 229 452 882 226 216 060
Total required
stable funding 104 315 494 99 951 390 106 022 122 102 206 530
Actual NSFR % 224.7 228.1 216.4 221.3
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
1st Quarter 4th Quarter 1st Quarter 4th Quarter
FY 2027 FY 2026 FY 2027 FY 2026
31 May 28 February 31 May 28 February
2026 2026 2026 2026
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 51 517 409 47 036 727 49 221 115 47 302 762
Total exposures 245 294 890 237 456 713 242 620 006 234 811 726
Leverage ratio % 21.0 19.8 20.3 20.1
By order of the Board
Stellenbosch
3 July 2026
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 03-07-2026 01:15:00
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