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 Date: 14/12/2012 03:45:00 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.