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Quarterly Pillar 3 disclosure in terms of Directive 10 of 2025
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 Pillar 3 disclosure in terms of Directive 10 of 2025
Directive 10 of 2025 issued by the Prudential Authority, advises that the Pillar
3 disclosure requirements have been removed from Regulation 43 of the
Regulations relating to banks. These requirements are now prescribed in this
directive.
In terms of the requirements, the consolidated group is required to disclose
quantitative information on its capital adequacy, leverage, and liquidity ratios
on a quarterly basis.
The Capitec Group and Capitec Bank capital, liquidity, and leverage positions at
the end of the third quarter of the 28 February 2026 financial year (FY) end are
set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
FY 2026 FY 2026 FY 2026 FY 2026
30 November 31 August 30 November 31 August
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 47 330 467 44 275 091 45 273 089 43 729 796
CET1 % 33.5 32.3 33.3 33.1
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 47 330 467 44 275 091 45 273 089 43 729 796
T1 % 33.5 32.3 33.3 33.1
General allowance for
credit impairment 1 053 527 1 052 187 1 106 124 1 042 145
Tier 2 capital (T2) 1 053 527 1 052 187 1 106 124 1 042 145
T2 % 0.7 0.7 0.8 0.8
Total qualifying
regulatory capital 48 383 994 45 327 278 46 379 213 44 771 941
Total qualifying
regulatory capital % 34.2 33.0 34.1 33.9
Required regulatory
capital(1) 16 964 132 16 474 421 16 334 007 15 839 576
(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")
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
FY 2026 FY 2026 FY 2026 FY 2026
30 November 31 August 30 November 31 August
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 99 015 935 99 953 128 99 015 935 99 953 128
Net cash outflows(1) 3 582 875 3 176 436 3 638 543 3 226 641
Actual LCR % 2 764 3 147 2 721 3 098
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")
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
FY 2026 FY 2026 FY 2026 FY 2026
30 November 31 August 30 November 31 August
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 228 575 402 219 580 503 224 475 562 217 041 669
Total required
stable funding 98 689 575 93 248 630 99 876 456 93 528 380
Actual NSFR % 231.6 235.5 224.8 232.1
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
FY 2026 FY 2026 FY 2026 FY 2026
30 November 31 August 30 November 31 August
2025 2025 2025 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 47 330 467 44 275 091 45 273 089 43 729 796
Total exposures 233 112 746 224 341 474 230 369 688 221 501 866
Leverage ratio % 20.3 19.7 19.7 19.7
For the detailed Pillar 3 disclosure report, refer to the "Banks Act Public
Disclosure" section on our website at www.capitecbank.co.za/investor-relations
By order of the Board
Stellenbosch
19 December 2025
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 19-12-2025 09:00:00
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