CAPITEC BANK HOLDINGS LIMITED - Quarterly Disclosure In Terms Of Regulation 43 Of The Regulations Relating To Banks

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
(“Capitec”)


QUARTERLY DISCLOSURE IN TERMS OF REGULATION 43 OF THE REGULATIONS RELATING
TO BANKS.

Capitec and its subsidiaries (“group”), have complied with Regulation 43 of
the Regulations relating to banks, which incorporates the requirements of
Basel.

In terms of Pillar 3 of the Basel rules, the consolidated group is required
to disclose quantitative information on its capital adequacy and liquidity
ratios on a quarterly basis.

The group’s consolidated capital and liquidity positions at the end of the
third quarter for the 28 February 2017 financial year end are set out below:


                              3rd Quarter 2017         2nd Quarter 2017
                              30 November 2016          31 August 2016

                                           Capital                  Capital
                                           Adequacy                 Adequacy
                                  R’000    Ratio %          R’000   Ratio %

 Common Equity Tier 1
 capital (CET1)               14 400 817       30.0    13 796 552       29.9
 Additional Tier 1
 capital (AT1)(1)                155 381        0.3       155 381        0.3

TIER 1 CAPITAL (T1)           14 556 198       30.3    13 951 933       30.2


 Total subordinated
 debt(1)(2)                    1 254 076                1 279 716
 Unidentified loan
 impairments                     491 249                  475 526

TIER 2 CAPITAL (T2)            1 745 325        3.7     1 755 242        3.8


TOTAL QUALIFYING
REGULATORY CAPITAL            16 301 523       34.0    15 707 175       34.0



REQUIRED REGULATORY
CAPITAL(3)                     4 680 286                4 503 732


(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 9.75% of risk-weighted assets, being the Basel global
minimum requirement of 8% and a South African country-specific buffer of
1.75%. In terms of the regulations the Individual Capital Requirement (ICR)
is excluded.
                                  3rd Quarter 2017        2nd Quarter 2017
                                  30 November 2016         31 August 2016

LIQUIDITY COVERAGE RATIO (LCR)
High-Quality Liquid Assets             8 643 621              7 371 310
Net Cash Outflows  (1)                   824 926                744 040
Required LCR Ratio                           70%                    70%
Actual LCR Ratio                           1048%                   991%


LEVERAGE RATIO
Tier 1 Capital                        14 556 198             13 951 933
Total Exposures                       71 653 426             67 180 272
Leverage Ratio                             20.3%                  20.8%

(1)As Capitec has a net cash inflow after applying the run-off weightings,
outflows for the purpose of the ratio are deemed to be 25% of gross outflows.


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
15 December 2016
Sponsor - PSG Capital Proprietary Limited

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