Capitec Bank Holdings Limited
Registration number: 1999/025903/06
Registered bank controlling company
Incorporated in the Republic of South Africa
JSE ordinary share code: CPI   ISIN code: ZAE000035861
JSE preference share code: CPIP   ISIN code: ZAE000083838
(“Capitec”)

QUARTERLY DISCLOSURE IN TERMS OF REGULATION 43 OF THE REGULATIONS RELATING
TO BANKS

Capitec and its subsidiaries (“the 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 group’s consolidated capital and liquidity positions at the end of the
fourth quarter of the 28 February 2023 financial year end are set out below:


                                  4th Quarter 2023          3rd Quarter 2023
                                  28 February 2023          30 November 2022

                                             Capital                   Capital
                                            Adequacy                  Adequacy
                                   R’000     Ratio %         R’000     Ratio %

 COMMON EQUITY TIER 1
 CAPITAL (CET1)                35 038 067       33.6     34 649 834       34.2

 Additional Tier 1 capital
 (AT1)                                  -            -            -            -

TIER 1 CAPITAL (T1)            35 038 067       33.6     34 649 834       34.2


 General allowance for
 credit impairment                872 831                   825 703

TIER 2 CAPITAL (T2)               872 831        0.8        825 703        0.8

TOTAL QUALIFYING REGULATORY
CAPITAL                        35 910 898       34.4     35 475 537       35.0

REQUIRED REGULATORY
CAPITAL(1)                     12 525 485                12 165 506


(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%.
                                      4th Quarter 2023     3rd Quarter 2023
                                      28 February 2023     30 November 2022
                                                 R’000                R’000
LIQUIDITY COVERAGE RATIO
(“LCR”)
High-Quality Liquid Assets                  74 946 512           70 626 237
Net Cash Outflows(1)                         3 420 878            3 046 824
Actual LCR                                      2 191%               2 318%
Required LCR                                      100%                 100%

(1)
   Capitec has a net cash inflow after applying the run-off factors, therefore
the outflows for the purpose of the ratio are deemed to be 25% of gross
outflows.


                                      4th Quarter 2023    3rd Quarter 2023
                                      28 February 2023    30 November 2022
                                                 R’000               R’000
NET STABLE FUNDING RATIO (“NSFR”)
Total Available Stable Funding             172 128 298         171 734 308
Total Required Stable Funding               80 016 733          77 828 343
Actual NSFR                                      215.1%             220.7%
Required NSFR                                     100%                100%



                                      4th Quarter 2023    3rd Quarter 2023
                                      28 February 2023    30 November 2022
                                                 R’000               R’000
LEVERAGE RATIO
Tier 1 Capital                              35 038 067         34 649 834
Total Exposures                            193 115 815        191 381 680
Leverage Ratio                                   18.1%              18.1%


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

18 April 2023
Sponsor - PSG Capital