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Quarterly disclosure in terms of Regulation 43 of the regulations relating to banks
Capitec Bank Holdings Limited
Registration number 1999/025903/06
Incorporated in the Republic of South Africa
Registered bank controlling company
Ordinary Share Code: CPI ISIN Number: ZAE000035861
Preference Share Code: CPIP ISIN Number: ZAE000083838
("Capitec")
Capitec Bank Limited
Registration number 1980/003695/06
Incorporated in the Republic of South Africa
Registered bank
Company code: BICAP
("Capitec Bank")
Quarterly disclosure in terms of Regulation 43 of the regulations relating to
banks
Capitec and its subsidiaries ("Capitec 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 Capitec group consolidated and Capitec Bank capital and liquidity positions
at the end of the fourth quarter of the 29 February 2024 financial year end are
set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2024 2024 2024 2024
29 February 30 November 29 February 30 November
2024 2023 2024 2023
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 39 298 719 38 285 180 34 649 992 33 965 746
Additional Tier 1
capital (AT1) - - - -
CET1 % 35.5 36.8 32.9 34.0
Tier 1 capital (T1) 39 298 719 38 285 180 34 649 992 33 965 746
T1 % 35.5 36.8 32.9 34.0
General allowance for
credit impairment 910 614 874 764 913 165 877 719
Tier 2 capital (T2) 910 614 874 764 913 165 877 719
T2 % 36.3 37.6 33.8 34.9
Total qualifying
regulatory capital 40 209 333 39 159 944 35 563 157 34 843 465
Total qualifying
regulatory capital % 36.3 37.6 33.8 34.9
Required regulatory
capital(1) 13 296 122 12 498 091 12 625 430 11 980 069
(1)This value is currently 12% of risk-weighted assets, being the Basel global
minimum requirement of 8%, the Pillar 2A South African country-specific buffer
of 1%, the Capital Conservation Buffer of 2.5% and the Domestic Systemically
Important Bank ("D-SIB") capital add-on of 0.5%.
Liquidity Coverage Capitec Group Capitec Bank
Ratio ("LCR")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2024 2024 2024 2024
29 February 30 November 29 February 30 November
2024 2023 2024 2023
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 85 894 917 85 677 523 85 894 917 85 677 523
Net cash outflows(1) 3 582 532 3 562 036 3 630 781 3 535 913
Actual LCR % 2 398 2 405 2 366 2 423
Required LCR % 100 100 100 100
(1)The total net weighted cash outflows are calculated as the total cash outflows,
less the minimum of either the cash inflows, or 75% of total outflows.
Net Stable Funding Capitec Group Capitec Bank
Ratio ("NSFR")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2024 2024 2024 2024
29 February 30 November 29 February 30 November
2024 2023 2024 2023
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 184 553 361 186 273 186 180 136 930 182 186 294
Total required
stable funding 85 311 405 83 665 069 82 262 591 80 333 390
Actual NSFR % 216.3 222.6 219.0 226.8
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2024 2024 2024 2024
29 February 30 November 29 February 30 November
2024 2023 2024 2023
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 39 298 719 38 285 180 34 649 992 33 965 746
Total exposures 208 346 500 207 476 766 204 504 920 204 594 191
Leverage ratio % 18.9 18.5 16.9 16.6
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
23 April 2024
Capitec Equity Sponsor: PSG Capital
Capitec Bank Debt Sponsor: PSG Capital
Date: 23-04-2024 07:06:00
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