Pillar 3 Quarterly Disclosures as at 30 September 2018 FirstRand Limited (Incorporated in the Republic of South Africa) (Registration number 1966/010753/06) JSE ordinary share code: FSR Ordinary share ISIN: ZAE000066304 JSE B preference share code: FSRP B preference share ISIN: ZAE000060141 NSX ordinary share code: FST (FSR or the group) FirstRand Bank Limited (Incorporated in the Republic of South Africa) (Registration number 1929/001225/06) JSE company code interest rate issuer: FRII JSE company code debt issuer: FRD JSE company code ETF issuer: FRLE (FRB or the bank) PILLAR 3 QUARTERLY DISCLOSURES AS AT 30 SEPTEMBER 2018 In accordance with Pillar 3 of the Basel Accord, Regulation 43 of the Regulations relating to Banks requires the group to disclose quarterly information on its capital adequacy. The capital positions (excluding unappropriated profits) for the group and the bank for the quarter ended 30 September 2018 are set out below. R million FSR FRB Ordinary share capital and premium 8 064 16 808 Other reserves and non-controlling interests 104 241 64 898 Regulatory deductions (9 175) 753 Total Common Equity Tier 1 capital 103 130 82 459 Total Additional Tier 1 capital 5 107 1 200 Total Tier 1 capital 108 237 83 659 Tier 2 instruments 27 523 26 575 Other qualifying reserves 1 857 649 Regulatory deductions (5 020) (8) Total Tier 2 capital 24 360 27 216 Total qualifying capital and reserves 132 597 110 875 Minimum capital requirement Credit 77 246 55 895 Counterparty credit 1 913 1 684 Operational 15 033 11 068 Market 2 627 2 274 Equity investment 2 838 531 Other assets 3 507 2 808 Threshold items 2 209 965 Total minimum capital requirement 105 373 75 225 Common Equity Tier 1 capital ratio 11.0% 12.2% Tier 1 capital ratio 11.5% 12.4% Total capital ratio 14.1% 16.4% Notes: - Figures above have not been reviewed or reported on by the group’s external auditors. - FRB includes foreign branches and subsidiaries. - Total qualifying capital and reserves, and capital positions exclude unappropriated profits. - Ratios as at 30 September 2018 include the transitional impact of IFRS 9. - The disclosed minimum capital requirement excludes the confidential bank-specific individual capital requirement and add-on for domestic systemically-important banks, but includes the countercyclical buffer requirement. The minimum requirement is 11.19% and 11.15% for group and bank, respectively. - The group is required to calculate the countercyclical buffer requirement on private sector credit exposures in foreign jurisdictions where these buffer requirements are applicable. The current impact on the group and bank minimum requirements are 7 bps and 2 bps, respectively. ADDITIONAL DISCLOSURE Regulation 43 of the Regulations relating to banks and the BCBS Pillar 3 framework require additional quarterly disclosures on capital, risk weighted assets, leverage and liquidity. These disclosures are available on the group’s website: https://www.firstrand.co.za/InvestorCentre/Pages/commondisclosures .aspx Sandton 27 November 2018 Sponsor RAND MERCHANT BANK (a division of FirstRand Bank Limited) Date: 27/11/2018 02:10:00 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.