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” or “the Company” or “the Group”) UNAUDITED CONDENSED CONSOLIDATED FINANCIAL RESULTS FOR THE 6 MONTHS ENDED 31 AUGUST 2023 1. SALIENT FEATURES Operating profit before tax increased by 6% to R5.893 billion, from the restated R5.551 billion in the comparative period*. Headline earnings per share increased by 9% to 4 072 cents, from the restated 3 738 cents in the comparative period*. Earnings per share increased by 9% to 4 068 cents, from the restated 3 739 cents in the comparative period*. Interim ordinary dividends increased by 9% to 1 530 cents per share, from 1 400 cents per share in the comparative period. The net asset value (total equity) increased by 13% to R39.353 billion, from the restated R34.813 billion in the comparative period*. Shareholders were informed in a SENS announcement published on 4 July 2023 that the group had implemented the IFRS 17 Insurance contracts standard on 1 March 2023. IFRS 17 replaced IFRS 4 Insurance Contracts for annual periods beginning on or after 1 January 2023. IFRS 17 establishes the principles for the recognition, measurement, presentation and disclosure of insurance contracts issued, reinsurance contracts held, and in-substance reinsurance contracts issued through its cell captive arrangements. The implementation of IFRS 17 necessitated the restatement of the group earnings and headline earnings per share for the 6 months ended 31 August 2022. Any adjustments to the carrying amounts of assets or liabilities prior to the 2023 financial year were recognised as an adjustment to retained earnings on 1 March 2022. The 2023 financial year comparatives were restated. 2. DIVIDEND The directors resolved that a gross interim dividend of 1 530 cents per ordinary share be declared for the 6 months ended 31 August 2023 (31 August 2022: 1 400 cents) on 28 September 2023. The dividend will be paid on Monday, 23 October 2023. There are 116 099 843 ordinary shares in issue. The dividend meets the definition of a dividend in terms of the Income Tax Act, Act 58 of 1962. The dividend amount, net of South African dividend tax of 20%, is 1 224 cents per share. The distribution is made from income reserves. Capitec’s tax reference number is 9405376840. Last day to trade cum dividend - Tuesday, 17 October 2023 Trading ex-dividend commences - Wednesday, 18 October 2023 Record date - Friday, 20 October 2023 Payment date - Monday, 23 October 2023 Share certificates may not be dematerialised or rematerialised from Wednesday, 18 October 2023 to Friday, 20 October 2023, both days inclusive. In terms of the Company’s memorandum of incorporation, dividends will only be transferred electronically to the bank accounts of certificated shareholders, as dividend cheques are no longer issued. In instances where certificated shareholders do not provide the transfer secretaries with their banking details, the dividend will not be forfeited, but will be marked as ‘unclaimed’ in the dividend register until the shareholder provides the transfer secretaries with the relevant banking details for payout. 3. SHORT-FORM ANNOUNCEMENT This short-form announcement is the responsibility of the directors of the Company. It contains only a summary of the information in the full announcement (“Full Announcement”) and does not contain full or complete details. The Full Announcement can be found at: https://senspdf.jse.co.za/documents/2023/JSE/ISSE/CPI/CPIHY24.pdf The Full Announcement is also available for viewing on the Company’s website at https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial- results/2024/interim-results/CPIHY24.pdf . In addition, electronic copies of the Full Announcement may be requested and obtained, at no charge, from the Company at InvestorRelations@capitecbank.co.za and from its sponsor, PSG Capital. Any investment decisions by investors and/or shareholders should be based on consideration of the Full Announcement, as a whole. 4. RESULTS PRESENTATION Shareholders are reminded that Capitec will be hosting a virtual presentation at 08:00 am SAST on Thursday, 28 September 2023 to present the results to investors. Presentation details: - View and listen mode Links: https://www.capitecbank.co.za/investor-relations/financial-results/2024/ or https://www.youtube.com/watch?v=HMDwcews76o - Presentation slides will be available prior to the presentation at: https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial- results/2024/interim-results/results-presentation-2024.pdf Questions and Answers (“Q&A”) facility: - A Q&A facility will be available during and after the presentation - E-mail questions during or after the presentation to: InvestorRelations@capitecbank.co.za Stellenbosch 28 September 2023 Sponsor PSG Capital