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
(“Capitec”)

QUARTERLY DISCLOSURE IN TERMS OF REGULATION 43 OF THE REGULATIONS RELATING
TO BANKS

Capitec and its subsidiaries (“the 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, leverage and
liquidity ratios on a quarterly basis.


The group’s consolidated capital and liquidity positions at the end of the
third quarter of the 28 February 2023 financial year end are set out below: 


                                  3rd Quarter 2023          2nd Quarter 2023
                                  30 November 2022            31 August 2022

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

 COMMON EQUITY TIER 1
 CAPITAL (CET1)                34 649 834       34.2     33 279 564       34.2

 Additional Tier 1 capital
 (AT1)                                  -            -            -          -

TIER 1 CAPITAL (T1)            34 649 834       34.2     33 279 564       34.2


 General allowance for
 credit impairment                825 703                   825 689

TIER 2 CAPITAL (T2)               825 703        0.8        825 689        0.8

TOTAL QUALIFYING REGULATORY
CAPITAL                        35 475 537       35.0     34 105 253       35.0

REQUIRED REGULATORY
CAPITAL(1)                     12 165 506                11 690 101


(1)
   This value is currently 12% 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% and the
Domestic Systemically Important Bank (“D-SIB”) capital add-on of 0.5%.


                                      3rd Quarter 2023     2nd Quarter 2023
                                      30 November 2022       31 August 2022
                                                 R’000                R’000
LIQUIDITY COVERAGE RATIO (LCR)
High-Quality Liquid Assets                  70 626 237           73 672 864
Net Cash Outflows(1)                         3 046 824            2 830 266
Actual LCR                                      2 318%               2 603%
Required LCR                                      100%                 100%

(1)
   Capitec has a net cash inflow after applying the run-off factors, therefore
the outflows for the purpose of the ratio are deemed to be 25% of gross
outflows. 


                                      3rd Quarter 2023    2nd Quarter 2023
                                      30 November 2022      31 August 2022
                                                 R’000               R’000
NET STABLE FUNDING RATIO (“NSFR”)
Total Available Stable Funding             171 734 308         165 049 369
Total Required Stable Funding               77 828 343          74 856 646
Actual NSFR                                      220.7%             220.5%
Required NSFR                                     100%                100%



                                      3rd Quarter 2023    2nd Quarter 2023
                                      30 November 2022      31 August 2022
                                                 R’000               R’000
LEVERAGE RATIO
Tier 1 Capital                              34 649 834         33 279 564
Total Exposures                            191 381 680        183 739 998
Leverage Ratio                                   18.1%              18.1%


For the detailed LCR, NSFR and leverage ratio calculations refer to the
“Banks Act Public Disclosure” section on our website at
www.capitecbank.co.za/investor-relations



By order of the Board
Stellenbosch
15 December 2022
Sponsor - PSG Capital 

Date: 15-12-2022 11:30:00
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