Capitec Bank Obtained Standard And Poor’s Ratings Capitec Bank Holdings Limited Incorporated in the Republic of South Africa Registration number 1999/025903/06 Registered bank controlling company JSE share codes: CPI - ISIN : ZAE000035861 JSE preference share code: CPIP ISIN code: ZAE000083838 ("Capitec") Capitec Bank Limited Incorporated in the Republic of South Africa Registration No. 1980/003695/06 Company code: BICAP (“Capitec Bank” or “the bank”) CAPITEC BANK OBTAINED STANDARD AND POOR’S RATINGS On 13 October 2015, Standard and Poor’s Ratings Services (“S&P”) assigned international credit ratings to Capitec Bank for the first time. The bank’s global scale long term credit rating is “BB+” and the short term rating “B”. Both these ratings carry a stable outlook. The South Africa national scale long term rating is “zaA” and the short term rating “zaA-1”. S&P, in their commentary on the stable outlook, mentioned that their 12 month view is that the bank’s business position, asset quality and capitalisation will be resilient to the challenging economic environment and regulatory headwinds in South Africa. Stellenbosch 13 October 2015 Sponsor: PSG Capital (Pty) Limited Debt Sponsor: Rand Merchant Bank (A division of FirstRand Bank Limited) Date: 13/10/2015 11:32:00 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.