CAPITEC BANK HOLDINGS LIMITED - Quarterly disclosure in terms of Regulation 43 of the Banks Act 1990 (as amended)

Quarterly disclosure in terms of Regulation 43 of the Bank’s Act 1990 (as amended)

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 BANK’S ACT 1990 (AS
AMENDED)

Capitec Bank Holdings Limited and its subsidiaries (“group”), have complied
with the Bank’s Act 1990 (as amended), 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 position at the end of the 3rd quarter for
the 28 February 2013 financial year end is set out below :


                                3rd Quarter 2013       2nd Quarter 2013
                                 30 November 2012        31 August 2012

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

 Ordinary share capital and
 reserves                       7 707 990               5 178 817
 Preference share capital         258 969                 258 969

PRIMARY (TIER 1) CAPITAL        7 966 959       32.8    5 437 786         25.5

 Subordinated debt              2 319 000                2 319 000
 Unidentified loan
 impairments                      277 636                   240 860
SECONDARY (TIER 2) CAPITAL      2 596 636       10.7     2 559 860        12.0


TOTAL QUALIFYING REGULATORY
CAPITAL                        10 563 595       43.5    7 997 646         37.5



REQUIRED REGULATORY
CAPITAL(1)                      2 306 998              2 023 912

(1)
  This value is reported in terms of Banks’ Act circular 5/2011, which
requires the value disclosed be 9.5% of risk-weighted assets, being the Basel
global minimum requirement of 8% and a South African country-specific buffer
of 1.5%.

By order of the Board
Stellenbosch
14 December 2012
Sponsor - PSG Capital (Pty) Limited

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