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”) AUDITED FINANCIAL STATEMENTS AND DIVIDEND DECLARATION FOR THE YEAR ENDED 29 FEBRUARY 2024 AND AVAILABILITY OF THE INTEGRATED ANNUAL REPORT 1. SALIENT FEATURES Operating profit before tax increased by 16% to R13.448 billion, from the restated R11.643 billion in the prior year*. Headline earnings per share increased by 16% to 9 171 cents per share, from the restated 7 938 cents per share in the prior year*. Earnings per share increased by 15% to 9 156 cents per share, from the restated 7 933 cents per share in the prior year*. Total dividend per ordinary share increased by 16% to 4 875 cents per share, from 4 200 cents per share in the prior year. The net asset value (total equity) increased by 15% to R43.531 billion, from the restated R37.920 billion in the prior year*. 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’s statement of financial position, income statement and, earnings and headline earnings per share for the 2023 financial year. 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. 2. DIVIDEND DECLARATION Capitec’s ordinary dividend policy is to pay out 50% of headline earnings. A final gross dividend of 3 345 cents per share (2023: 2 800 cents per share) was declared on 22 April 2024, bringing the total dividend for the 2024 financial year to 4 875 cents per share (2023: 4 200 cents per share). There are 116 099 843 ordinary shares in issue. The final 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 2 676 cents per share. The distribution is made from income reserves. Capitec’s tax reference number is 9405376840. Last day to trade cum dividend - Tuesday, 14 May 2024 Trading ex-dividend commences - Wednesday, 15 May 2024 Record date - Friday, 17 May 2024 Payment date - Monday, 20 May 2024 Share certificates may not be dematerialised or rematerialised from Wednesday, 15 May 2024 to Friday, 17 May 2024, both days inclusive. 3. SHORT-FORM ANNOUNCEMENT The content of this announcement is derived from audited information, but the announcement itself is not audited. This short-form announcement is the responsibility of the directors of the company. It only contains a summary of the information included in the Company’s annual financial statements which are incorporated in the integrated annual report for the year ended 29 February 2024 (“integrated report”) and does not contain full or complete details. The integrated report can be found at: https://senspdf.jse.co.za/documents/2024/JSE/ISSE/CPI/CPIFY24.pdf Any investment decisions by investors and/or shareholders should be based on consideration of the Company’s audited annual financial statements for the year ended 29 February 2024, as a whole. PricewaterhouseCoopers Inc. and Deloitte & Touche expressed an unmodified audit opinion on the audited consolidated financial statements in their report dated 22 April 2024. 4. AVAILABILITY OF THE INTEGRATED ANNUAL REPORT Shareholders are advised that the Company’s integrated report for the year ended 29 February 2024 is available on the Company’s website at https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial- results/2024/annual-report/integrated_annual_report_2024.pdf In addition, electronic copies of the integrated report may be requested and obtained, at no charge, from the company at InvestorRelations@capitecbank.co.za and from its sponsor, PSG Capital. 5. RESULTS PRESENTATION Shareholders are reminded that Capitec will be hosting a virtual presentation at 08:00 am SAST on Tuesday, 23 April 2024 to present the results to investors. Presentation details: - View and listen mode Links: https://www.capitecbank.co.za/financial-results/2024/ or https://www.youtube.com/watch?v=iAA7Darcotw - Presentation slides will be available prior to the presentation at: https://www.capitecbank.co.za/globalassets/pages/investor-relations/financial- results/2024/audited-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 23 April 2024 Sponsor PSG Capital