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 the Basel Committee on Banking Supervision (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 1st quarter for the 28 February 2014 financial year end is set out below: 1st Quarter 2014 4th Quarter 2013 31 May 2013 28 February 2013 Capital Capital Adequacy Adequacy R’000 ratio % R’000 ratio % Common Equity Tier 1 capital (CET1) 8 035 406 29.3 8 004 872 30.2 Additional Tier 1 capital (AT1)(1) 233 072 0.8 233 072 0.9 TIER 1 CAPITAL (T1) 8 268 478 30.1 8 237 944 31.1 Total subordinated debt(1)(2) 2 429 817 2 422 315 Unidentified loan impairments 308 676 295 582 TIER 2 CAPITAL (T2) 2 738 493 10.0 2 717 897 10.2 TOTAL QUALIFYING REGULATORY CAPITAL 11 006 971 40.1 10 955 841 41.3 REQUIRED REGULATORY CAPITAL(3) 2 608 993 2 517 174 (1)The non-loss absorbent AT1 and T2 capital has been adjusted for a 10% phase-out in terms of Basel III. (2)An adjustment has been made for the deemed surplus T2 capital of subsidiaries issued to outside third parties, which is excluded from group qualifying regulatory capital in terms of the accelerated adoption of Basel III rules. (3)This value is 9.5% of risk-weighted assets, being the Basel global minimum requirement of 8% and a South African country-specific buffer of 1.5%. In terms of the regulations the Individual Capital Requirement (ICR) is excluded. By order of the Board Stellenbosch 25 June 2013 Sponsor - PSG Capital (Pty) Limited Date: 25/06/2013 07:05:00 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.