Quarterly disclosure on Basel III Capital Adequacy FirstRand Limited (Incorporated in South Africa) (Registration number 1966/010753/06) JSE Ordinary Share Code: FSR JSE ISIN: ZAE000066304 JSE B Preference Share Code: FSRP JSE ISIN: ZAE000060141 NSX Ordinary Share Code: FST (FirstRand or the Company) QUARTERLY DISCLOSURE ON BASEL III CAPITAL ADEQUACY FirstRand is a registered bank controlling company, therefore it is required in terms of Regulation 43 of the revised Regulations of the Banks Act, 1990 (Act No. 94 of 1990) to disclose quantitative information on its capital adequacy ratios on a quarterly basis (Pillar 3 of the Basel Accord). The consolidated capital position of FirstRand is set out below. Basel III Basel 2.5 March 2013 December 2012 Rm % Rm % Common Equity Tier 1 capital Ordinary share capital and premium 5 411 5 442 Qualifying reserves 61 653 56 489 Non-controlling interests 2 385 2 705 Regulatory deductions against Common Equity Tier 1 capital (1 506) (3 260) Total Common Equity Tier 1 capital 67 943 61 376 Total Additional Tier 1 capital 4 263 4 119 Total Tier 1 capital 72 206 65 495 Tier 2 capital Upper Tier 2 and Subordinated debt 7 363 8 228 instruments Other qualifying reserves 191 201 Regulatory deductions against Tier 2 capital - (883) Total Tier 2 capital 7 554 7 546 Total qualifying capital and reserves 79 760 73 041 Minimum capital requirement per risk type: Credit Risk 34 538 32 007 Operational Risk 7 015 7 011 Market Risk 918 1 253 Equity Investment Risk 3 516 4 000 Other assets 2 936 2 316 Total minimum capital requirement 48 923 46 587 Common Equity Tier 1 capital adequacy ratio (%) 13.2 12.5 Tier 1 capital adequacy ratio (%) 14.0 13.4 Total capital adequacy ratio (%) 15.5 14.9 Notes: - The figures above have not been reviewed and reported on by the Company’s external auditors. - Qualifying reserves exclude any unappropriated profits. - The minimum capital requirement excludes any bank specific individual capital requirement (ICR or Pillar 2b add-on). Sandton 29 May 2013 Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited) Date: 29/05/2013 10:06:00 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.