Voluntary 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”) VOLUNTARY TRADING STATEMENT In accordance with the Company’s custom to keep shareholders informed, the board advises that a reasonable degree of certainty exists that for the half year ended 31 August 2016: - headline earnings per share will be between 1487 cents and 1525 cents per share, representing an increase of between 17% and 20% compared to the 1271 cents per share reported in the previous period ended 31 August 2015; and - earnings per share will be between 1486 cents and 1524 cents per share, representing an increase of between 17% and 20% compared to the 1270 cents per share reported in the previous period ended 31 August 2015. 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 2016 are expected to be published on or about 27 September 2016. By order of the Board Stellenbosch 7 September 2016 Sponsor PSG Capital (Pty) Limited Date: 07/09/2016 10:05:00 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.