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 year ending 29 February 2016 will be between 2717 cents to 2805 cents per share compared to 2209 cents per share reported in the prior year. This represents an increase of between 23% and 27%. 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 financial year ending 29 February 2016 are expected to be published on or about 30 March 2016. By order of the Board Stellenbosch 8 February 2016 Sponsor PSG Capital (Pty) Limited Date: 08/02/2016 10:00:00 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.