Quarterly disclosure on Basel III capital adequacy FirstRand Limited (Incorporated in the Republic of South Africa) (Registration number 1966/010753/06) JSE Ordinary Share Code: FSR Ordinary Share ISIN: ZAE000066304 JSE B Preference Share Code: FSRP B Preference Share ISIN: ZAE000060141 NSX Ordinary Share Code: FST (FSR or the Group) FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number 1929/001225/06) JSE company code: BIFR1 (FRB or the Bank) QUARTERLY DISCLOSURE ON BASEL III CAPITAL ADEQUACY In terms of Regulation 43 of the Regulations relating to banks, the Group is required to disclose quantitative information on its capital adequacy ratios on a quarterly basis. This is in accordance with Pillar 3 of the Basel Accord. The consolidated capital positions of the FirstRand Group and the Bank at 30 September 2013 are set out below. FSR FRB Rm Rm Common Equity Tier 1 capital Ordinary share capital and premium 5 764 15 308 Qualifying reserves 66 611 36 571 Non-controlling interests 688 - Regulatory deductions (1 770) (514) Total Common Equity Tier 1 capital 71 293 51 365 Total Additional Tier 1 capital 5 602 2 700 Total Tier 1 capital 76 895 54 065 Tier 2 capital Tier 2 instruments 7 340 6 856 Other qualifying reserves 259 22 Regulatory deductions - (158) Total Tier 2 capital 7 599 6 720 Total qualifying capital and reserves 84 494 60 785 Minimum capital requirement per risk type: Credit risk 33 785 29 318 Counterparty credit risk 1 024 990 Operational risk 7 906 6 125 Market risk 974 838 Equity investment risk 3 906 1 037 Other assets 2 813 1 817 Total minimum capital requirement 50 408 40 125 Common Equity Tier 1 capital adequacy ratio (%) 13.4 12.2 Tier 1 capital adequacy ratio (%) 14.5 12.8 Total capital adequacy ratio (%) 15.9 14.4 Notes: - The figures above have not been reviewed and reported on by the Group’s external auditors. - Qualifying reserves exclude any unappropriated profits. - The minimum capital requirement excludes any bank-specific individual capital requirement. Sandton 25 November 2013 Sponsor RAND MERCHANT BANK (A division of FirstRand Bank Limited) Date: 25/11/2013 01:45:00 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.