CAPITEC BANK HOLDINGS LIMITED Registration Number: 1999/025903/06 Incorporated in the Republic of South Africa Registered bank controlling company Share Code: CPI ISIN Number: ZAE000035861 (“Capitec”) DEALING IN SECURITIES BY AN ASSOCIATE OF A DIRECTOR In compliance with paragraphs 3.63 to 3.74 of the JSE Limited Listings Requirements, the following information, relating to the dealing in securities by an associate of a director is disclosed. Shareholders are referred to the announcements released on SENS on 1 June 2020 and 1 July 2021, with regards to the hedging and financing transaction over a portion of a shareholding in Capitec (the “2020 Transaction”) now held by Kalander Sekuriteit (Pty) Ltd (“Kalander”). Shareholders are advised that Kalander has cash settled the 2020 Transaction and implemented a new hedging and re-financing transaction over less shares than hedged under the 2020 Transaction (the “Refinancing Transaction”), the relevant details of which are set out below: NAME OF DIRECTOR M S du P le Roux NAME OF ASSOCIATE Kalander DIRECTOR’S RELATIONSHIP WITH Mr Le Roux is a director of Kalander ASSOCIATE COMPANY OF WHICH A DIRECTOR Capitec STATUS: EXECUTIVE/NON-EXECUTIVE Non-Executive Director TYPE AND CLASS OF SECURITIES Ordinary Shares NUMBER OF SECURITIES TRANSACTED 1,000,008 DEEMED VALUE OF SECURITIES TRANSACTED R1,624,112,992.80 (based on a share price of R1,624.10) NATURE OF TRANSACTION Funded Derivative Transaction DATE OF TRANSACTION 25 April 2023 PUT STRIKE PRICE R1,461.69 CAP PRICE R2,517.36 OPTION STYLE European EXPIRY DATE 3.1 years on average MAXIMUM FINANCIAL OBLIGATION R1,461,701,693.52 NUMBER OF SHARES PROVIDED AS SECURITY/COLLATERAL 1,000,008 TRADE Off Market NATURE AND EXTENT OF THE DIRECTOR’S INTEREST IN THE TRANSACTIONS Indirect, non-beneficial The hedging counterparty shall provide Kalander with loan financing for the duration of the Refinancing Transaction. The maximum financial obligation under that financing arrangement, including all interest thereon, will never exceed the total number of shares hedged multiplied by the put strike price. Kalander will therefore always be in the position to fully cover the liability under the financing arrangement with the hedged shares. As with prior hedging and financing transactions, Kalander’s intention remains to cash settle the Refinancing Transaction. As such, all the underlying shares will continue to be retained by Kalander. 2 May 2023 Stellenbosch Sponsor PSG Capital