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 (“the 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, leverage and liquidity ratios on a quarterly basis. The group’s consolidated capital and liquidity positions at the end of the fourth quarter of the 28 February 2022 financial year end are set out below: 4th Quarter 2022 3rd Quarter 2022 28 February 2022 30 November 2021 Capital Capital Adequacy Adequacy R’000 Ratio % R’000 Ratio % COMMON EQUITY TIER 1 CAPITAL (CET1) 31 189 746 35.4 30 557 063 36.5 Additional Tier 1 capital (AT1)(1) - - 25 897 0.0 TIER 1 CAPITAL (T1) 31 189 746 35.4 30 582 960 36.5 General allowance for credit impairment 749 377 715 172 TIER 2 CAPITAL (T2) 749 377 0.9 715 172 0.9 TOTAL QUALIFYING REGULATORY CAPITAL 31 939 123 36.3 31 298 132 37.4 REQUIRED REGULATORY CAPITAL(2) 10 566 490 9 214 280 (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) This value is currently 12% (2021: 11%) of risk-weighted assets, being the Basel global minimum requirement of 8%, the Pillar 2A South African country- specific buffer of 1% (2021: 0%), the Capital Conservation Buffer of 2.5% and the Domestic Systemically Important Bank (“D-SIB”) capital add-on of 0.5%. Per Directive 5 of 2021, the 1% Pillar 2A South African country-specific buffer was reinstated on 1 January 2022. This buffer was temporarily relaxed from 6 April 2020 until 31 December 2021, to provide temporary capital relief to banks during the outbreak of the Covid-19 pandemic. 4th Quarter 2022 3rd Quarter 2022 28 February 2022 30 November 2021 R’000 R’000 LIQUIDITY COVERAGE RATIO (LCR) High-Quality Liquid Assets 81 574 866 78 034 323 Net Cash Outflows(1) 2 831 646 2 714 334 Actual LCR 2 881% 2 875% Required LCR(2) 90% 80% (1) Capitec has a net cash inflow after applying the run-off factors, therefore the outflows for the purpose of the ratio are deemed to be 25% of gross outflows. (2) Per Directive 8 of 2021, the minimum LCR requirement increased to 90% on 1 January 2022 and will increase to 100% on 1 April 2022. Per Directive 1 of 2020, the minimum LCR requirement was temporarily relaxed from 100% to 80% from 1 April 2020 to 31 December 2021 due to the Covid-19 pandemic. 4th Quarter 2022 3rd Quarter 2022 28 February 2022 30 November 2021 R’000 R’000 NET STABLE FUNDING RATIO (“NSFR”) Total Available Stable Funding 157 548 215 159 534 561 Total Required Stable Funding 70 017 939 66 759 227 Actual NSFR 225.0% 239.0% Required NSFR 100% 100% 4th Quarter 2022 3rd Quarter 2022 28 February 2022 30 November 2021 R’000 R’000 LEVERAGE RATIO Tier 1 Capital 31 189 746 30 582 960 Total Exposures 178 617 863 178 471 628 Leverage Ratio 17.5% 17.1% For the detailed LCR, NSFR and leverage ratio calculations refer to the “Banks Act Public Disclosure” section on our website at www.capitecbank.co.za/investor-relations By order of the Board Stellenbosch 12 April 2022 Sponsor - PSG Capital Date: 12-04-2022 07:21:00 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.