CPI / CPIP - Capitec Bank Holdings Limited - Quarterly disclosure in terms of

CPI / CPIP - Capitec Bank Holdings Limited - 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), effective 1 January 2008, which incorporates  
the requirements of Basel II.                                                   
In terms of Pillar 3 under Basel II, 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 1st quarter for the 
28 February 2012 financial year end is set out below :                          
                                   1st Quarter 2012      4th Quarter 2011       
31 May 2011      28 February 2011       

                                   R`000    Capital      R`000    Capital       
                                           Adequacy              Adequacy       
                                            ratio %               ratio %       


Ordinary share capital and      3 223 601             3 090 661                 
reserves                                                                        
Preference share capital          258 969               258 969                 
3 482 570       29.5  3 349 630       32.1       

PRIMARY (TIER 1) CAPITAL                                                        
                                                                                
Subordinated debt                 450 000               450 000                 
Unidentified loan                 123 239               108 441                 
impairments                                                                     
SECONDARY (TIER 2) CAPITAL        573 239        4.9    558 441        5.4      
TOTAL QUALIFYING REGULATORY     4 055 809       34.4  3 908 071       37.5      
CAPITAL                                                                         
                                                                                
TOTAL REGULATORY CAPITAL        2 952 127             2 602 586                 
REQUIREMENT                                                                     
By order of the Board                                                           
Stellenbosch                                                                    
21 June 2011                                                                    
Sponsor - PSG Capital (Pty) Limited                                             
Date: 21/06/2011 14:31:51 Supplied by www.sharenet.co.za                     
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