Quarterly Disclosure in Terms Of Regulation 43 Of The Regulations Relating To Banks 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 REGULATIONS RELATING TO BANKS. 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 and liquidity positions at the end of the third quarter for the 29 February 2016 financial year end are set out below: 3rd Quarter 2016 2nd Quarter 2016 30 November 2015 31 August 2015 Capital Capital Adequacy Adequacy R’000 ratio % R’000 ratio % Common Equity Tier 1 capital (CET1) 12 391 507 30.1 11 736 293 29.5 Additional Tier 1 capital (AT1)(1) 181 278 0.4 181 278 0.5 TIER 1 CAPITAL (T1) 12 572 785 30.5 11 917 571 30.0 Total subordinated debt (1)(2) 1 675 083 1 723 270 Unidentified loan impairments 452 232 437 506 TIER 2 CAPITAL (T2) 2 127 315 5.2 2 160 776 5.4 TOTAL QUALIFYING REGULATORY CAPITAL 14 700 100 35.7 14 078 347 35.4 REQUIRED REGULATORY CAPITAL(3) 4 118 516 3 976 054 (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. 3rd Quarter 2016 2nd Quarter 2016 30 November 2015 31 August 2015 LIQUIDITY COVERAGE RATIO (LCR) High-Quality Liquid Assets 7 259 419 6 339 307 Net Cash Outflows 740 224 624 522 Required LCR Ratio 60% 60% Actual LCR Ratio 981% 1 015% LEVERAGE RATIO Tier 1 Capital 12 572 785 11 917 571 Total Exposures 62 423 041 58 399 805 Leverage Ratio 20.1% 20.4% For the complete LCR and leverage ratio calculations refer to our website at www.capitecbank.co.za/investor-relations By order of the Board Stellenbosch 14 December 2015 Sponsor - PSG Capital (Pty) Li Date: 14/12/2015 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.