FSR FSRP - Pillar 3 Quarterly Disclosures as at 30 September 2020 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 LEI:529900XYOP8CUZU7R671 (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 JSE company code ETN issuer: FRTN LEI: ZAYQDKTCATIXF9OQY690 (FRB or the bank) PILLAR 3 QUARTERLY DISCLOSURES AS AT 30 SEPTEMBER 2020 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 2020 are set out below. R million FSR FRB Ordinary share capital and premium 8 065 16 808 Other reserves and non-controlling interests 132 215 77 217 Regulatory deductions (14 977) (2 919) Total Common Equity Tier 1 capital 125 303 91 106 Total Additional Tier 1 capital 6 746 3 393 Total Tier 1 capital 132 049 94 499 Tier 2 instruments 20 558 19 504 Other qualifying reserves 7 423 3 778 Regulatory deductions (1 718) (3 287) Total Tier 2 capital 26 263 19 995 Total qualifying capital and reserves 158 312 114 494 Minimum capital requirement Credit 97 786 65 828 Counterparty credit 4 051 3 581 Operational 18 150 13 905 Market 3 915 3 480 Equity investment 3 350 551 Other assets 4 252 3 079 Threshold items 3 032 1 130 Total minimum capital requirement 134 536 91 554 Common Equity Tier 1 capital ratio 11.2% 11.9% Tier 1 capital ratio 11.8% 12.4% Total capital ratio 14.1% 15.0% Notes: - Figures above have not been reviewed or reported on by the group or bank’s external auditors. - FRB includes foreign branches. - Qualifying capital and reserves, and capital ratios exclude unappropriated profits. - Capital ratios at 30 September 2020 include the transitional impact of IFRS 9. - The disclosed minimum capital requirement excludes the confidential bank-specific individual capital requirement but includes the add-on for domestic systemically-important banks (D- SIB). The minimum requirement is 12.0% for both the group and the bank. The D-SIB requirement for both group and bank was 1.5%. The countercyclical buffer requirement at 30 September 2020 was 0% for both group and bank. 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/investors/basel-pillar-3-disclosure/ Sandton 24 November 2020 Sponsor and debt sponsor RAND MERCHANT BANK (a division of FirstRand Bank Limited) Date: 24-11-2020 08:00:00 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.