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 and liquidity
ratios on a quarterly basis.

The group’s consolidated capital and liquidity positions at the end of the
second quarter for the 28 February 2017 financial year end are set out
below:


                               2nd Quarter 2017         1st Quarter 2017
                                31 August 2016            31 May 2016

                                            Capital                    Capital
                                           Adequacy                   Adequacy
                                  R’000     Ratio %          R’000    Ratio %

 Common Equity Tier 1
 capital (CET1)               13 796 552       29.9     13 144 403        28.9
 Additional Tier 1
 capital (AT1)(1)                155 381        0.3        155 381         0.3

TIER 1 CAPITAL (T1)           13 951 933       30.2     13 299 784        29.2


 Total subordinated
 debt(1)(2)                    1 279 716                 1 456 443
 Unidentified loan
 impairments                     475 526                   470 241

TIER 2 CAPITAL (T2)            1 755 242        3.8      1 926 684         4.2


TOTAL QUALIFYING
REGULATORY CAPITAL            15 707 175       34.0     15 226 468        33.4



REQUIRED REGULATORY
CAPITAL(3)                     4 503 732                4 438 756


(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% of risk-weighted assets, being the Basel global
minimum requirement of 8% and a South African country-specific buffer of
1.75%. In terms of the regulations the Individual Capital Requirement (ICR)
is excluded.
                                  2nd Quarter 2017        1st Quarter 2017
                                   31 August 2016            31 May 2016

LIQUIDITY COVERAGE RATIO (LCR)
High-Quality Liquid Assets             7 371 310              7 455 985
Net Cash Outflows(1)                     744 040                896 647
Required LCR Ratio                           70%                    70%
Actual LCR Ratio                            991%                   832%

LEVERAGE RATIO
Tier 1 Capital                        13 951 933             13 299 784
Total Exposures                       67 180 272             64 120 391
Leverage Ratio                             20.8%                  20.7%

(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
27 September 2016
Sponsor - PSG Capital Proprietary Limited

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