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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 first quarter of the 28 February 2026 financial year end are
set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
1st Quarter 4th Quarter 1st Quarter 4th Quarter
2026 2025 2026 2025
31 May 28 Feb 31 May 28 Feb
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 45 440 935 45 494 195 40 574 297 40 613 066
CET1 % 37.2 37.2 35.7 36.0
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 45 440 935 45 494 195 40 574 297 40 613 066
T1 % 37.2 37.2 35.7 36.0
General allowance for
credit impairment 1 008 262 997 691 986 738 979 417
Tier 2 capital (T2) 1 008 262 997 691 986 738 979 417
T2 % 0.8 0.8 0.8 0.9
Total qualifying
regulatory capital 46 449 197 46 491 886 41 561 035 41 592 483
Total qualifying
regulatory capital % 38.0 38.0 36.5 36.9
Required regulatory
capital(1) 14 664 942 14 681 938 13 650 181 13 524 796
(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")
1st Quarter 4th Quarter 1st Quarter 4th Quarter
2026 2025 2026 2025
31 May 28 Feb 31 May 28 Feb
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 95 625 746 90 562 762 95 625 746 90 562 762
Net cash outflows(1) 3 328 725 2 935 536 3 360 036 2 949 894
Actual LCR % 2 873 3 085 2 846 3 070
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")
1st Quarter 4th Quarter 1st Quarter 4th Quarter
2026 2025 2026 2025
31 May 28 Feb 31 May 28 Feb
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 214 868 539 213 074 819 207 831 698 206 344 771
Total required
stable funding 95 315 850 94 700 520 92 062 618 89 788 304
Actual NSFR % 225.4 225.0 225.8 229.8
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
1st Quarter 4th Quarter 1st Quarter 4th Quarter
2026 2025 2026 2025
31 May 28 Feb 31 May 28 Feb
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 45 440 935 45 494 195 40 574 297 40 613 066
Total exposures 239 450 569 238 770 873 232 972 978 231 126 748
Leverage ratio % 19.0 19.1 17.4 17.6
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
9 July 2025
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 09-07-2025 09:00:00
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