Trading Statement CAPITEC BANK HOLDINGS LIMITED (Incorporated in the Republic of South Africa) (Registration number 1999/025903/06) (Ordinary Share Code: CPI ISIN Number: ZAE000035861) (Preference Share Code: CPIP ISIN Number: ZAE000083838) (“Capitec” or “the Company”) TRADING STATEMENT In terms of the Listing Requirements of the JSE Limited, a listed company is required to publish a trading statement as soon as it becomes aware that the financial results for the financial period to be reported on next will vary by 20% or more from those of the previous comparable period. Accordingly, Capitec hereby advises that a reasonable degree of certainty exists that headline earnings per share and earnings per share for the half year ended 31 August 2015 will be between 1242 cents to 1283 cents per share compared to 1018 cents per share reported in the prior year. This represents an increase of between 22% and 26%. The financial information on which this trading statement is based has not been reviewed and reported on by Capitec’s auditors. The financial results for the half year ended on 31 August 2015 are expected to be published on or about 29 September 2015. By order of the Board Stellenbosch 4 September 2015 Sponsor PSG Capital (Pty) Limited Date: 04/09/2015 10:48:00 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.