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 second quarter
for the 28 February 2016 financial year end is set out below:

                               2nd Quarter 2016         1st Quarter 2016
                                31 August 2015            31 May 2015

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

 Common Equity Tier 1
 capital (CET1)               11 736 293       29.5     11 280 204         30.1
 Additional Tier 1
 capital (AT1)(1)                181 278        0.5        181 278          0.5

TIER 1 CAPITAL (T1)           11 917 571       30.0     11 461 482         30.6


 Total subordinated
 debt(1)(2)                    1 723 270                 1 702 670
 Unidentified loan
 impairments                     437 506                   415 153

TIER 2 CAPITAL (T2)            2 160 776        5.4      2 117 823         5.6

TOTAL QUALIFYING
REGULATORY CAPITAL            14 078 347       35.4     13 579 305        36.2

REQUIRED REGULATORY
CAPITAL(3)                     3 976 054                3 751 252

(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.

                                  2nd Quarter 2016      1st Quarter 2016
                                   31 August 2015         31 May 2015

LIQUIDITY COVERAGE RATIO (LCR)
High-Quality Liquid Assets              6 339 307           5 852 360
Net Cash Outflows                         624 522             652 409
Required LCR Ratio                            60%                 60%
Actual LCR Ratio                           1 015%                897%

LEVERAGE RATIO
Tier 1 Capital                         11 917 571          11 461 482
Total Exposures                        58 399 805          55 390 495
Leverage Ratio                              20.4%               20.7%

 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
 29 September 2015
 Sponsor - PSG Capital (Pty) Limited

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