Publication Of The Company’s Annual Financial Statements For The Year Ended 28 February 2018 CAPITEC BANK LIMITED Incorporated in the Republic of South Africa (Registration No. 1980/003695/06) Company Code: BICAP Stock Code: CBL12 ISIN Code: ZAG000089038 Stock Code: CBL13 ISIN Code: ZAG000092560 Stock Code: CBL14 ISIN Code: ZAG000092552 Stock Code: CBL17 ISIN Code: ZAG000099359 Stock Code: CBL18 ISIN Code: ZAG000099367 Stock Code: CBL20 ISIN Code: ZAG000102245 Stock Code: CBL22 ISIN Code: ZAG000105305 Stock Code: CBL23 ISIN Code: ZAG000126350 Stock Code: CBL24 ISIN Code: ZAG000130881 Stock Code: CBL25 ISIN Code: ZAG000136110 Stock Code: CBL26 ISIN Code: ZAG000136128 Stock Code: CBL27 ISIN Code: ZAG000143884 (“the Company”) PUBLICATION OF THE COMPANY’S ANNUAL FINANCIAL STATEMENTS FOR THE YEAR ENDED 28 FEBRUARY 2018 Noteholders are hereby referred to the SENS announcement dated 26 April 2018 relating to the availability of the Company’s annual financial statements for the year ended 28 February 2018. In terms of section 7.6(b) of the JSE Debt Listings Requirements, we herewith advise shareholders that the audit report of PricewaterhouseCoopers Inc., the Company’s registered auditors, included in the audited annual financial statements of the Company which is available on the Company’s website at https://www.capitecbank.co.za/investor-relations/bond- programme is unqualified. 3 May 2018 Debt Sponsor PSG Capital Proprietary Limited Date: 03/05/2018 03:45:00 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.