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 (“Capitec”) QUARTERLY DISCLOSURE IN TERMS OF REGULATION 43 OF THE BANK’S ACT 1990 (AS AMENDED) Capitec and its subsidiaries (“the 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 third quarter for the 28 February 2015 financial year end is set out below: 3rd Quarter 2015 2nd Quarter 2015 30 November 2014 31 August 2014 Capital Capital Adequacy Adequacy R’000 ratio % R’000 ratio % Common Equity Tier 1 capital (CET1) 10 463 372 29.9 9 869 313 29.9 Additional Tier 1 capital (AT1)(1) 207 175 0.6 207 175 0.6 TIER 1 CAPITAL (T1) 10 670 547 30.5 10 076 488 30.5 Total subordinated debt(1)(2) 2 045 928 2 036 896 Unidentified loan impairments 383 457 362 810 TIER 2 CAPITAL (T2) 2 429 385 7.0 2 399 706 7.3 TOTAL QUALIFYING REGULATORY CAPITAL 13 099 932 37.5 12 476 194 37.8 REQUIRED REGULATORY CAPITAL(3) 3 494 010 3 299 123 (1) Starting 2013, the non loss absorbent AT1 and T2 capital is subject to a 10% per annum phase-out in terms of Basel 3. (2) Starting 2013, a deemed surplus attributable to T2 capital of subsidiaries issued to outside third parties, is excluded from group qualifying capital in terms of the accelerated adoption of Basel 3. This deduction phases in at 20% per annum. (3) This value is 10% of risk-weighted assets, being the Basel global minimum requirement of 8% and a South African country-specific buffer of 2%. In terms of the regulations the Individual Capital Requirement (ICR) is excluded. By order of the Board Stellenbosch 12 December 2014 Sponsor - PSG Capital (Pty) Limited Date: 12/12/2014 09:23:00 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.