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 3rd quarter for     
the 28 February 2012 financial year end is set out below:                       
                                     3rd Quarter            2nd Quarter         
30 November 2011         31 August 2011         

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


Ordinary share capital and  4 439 736               3 403 946                   
reserves                                                                        
Preference share capital      258 969                 258 969                   
4 698 705        33.0   3 662 915       30.2         

PRIMARY (TIER 1) CAPITAL                                                        
                                                                                
Subordinated debt             744 000                 450 000                   
MR N FELL                                                                       
4. State whether notification relates to a person connected with a person       
discharging managerial responsibilities/director named in 3 and identify the    
connected person                                                                
RELATES TO PERSON NAMED AT 3                                                    
5. Indicate whether the notification is in respect of a holding of the person   
referred to in 3 or 4 above or in respect of a non-beneficial interest          
RELATES TO PERSON NAMED AT 3                                                    
6. Description of shares (including class), debentures or derivatives or        
financial instruments relating to shares                                        
ORDINARY SHARES OF US$0.10 EACH                                                 
7. Name of registered shareholders(s) and, if more than one, the number of      
shares held by each of them                                                     
JAMES CAPEL (NOMINEES) LIMITED          44,090                                  
GREENWOOD NOMINEES LIMITED              28,800                                  
TOTAL                                   72,890                                  
8. State the nature of the transaction                                          
EXERCISE OF OPTIONS AND SUBSEQUENT SALE OF SHARES                               
9. Number of shares, debentures or financial instruments relating to shares     
acquired                                                                        
59,067 ORDINARY SHARES                                                          
10. Percentage of issued class acquired (treasury shares of that class should   
not be taken into account when calculating percentage)                          
DE MINIMIS                                                                      
11. Number of shares, debentures or financial instruments relating to shares    
disposed                                                                        
46,414 ORDINARY SHARES                                                          
12. Percentage of issued class disposed (treasury shares of that class should