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
second quarter of the 28 February 2023 financial year end are set out below:


                                  2nd Quarter 2023          1st Quarter 2023
                                    31 August 2022               31 May 2022

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

 COMMON EQUITY TIER 1
 CAPITAL (CET1)                33 279 564       34.2     31 786 692       34.7

 Additional Tier 1 capital
 (AT1)                                  -            -            -            -

TIER 1 CAPITAL (T1)            33 279 564       34.2     31 786 692       34.7


 General allowance for
 credit impairment                825 689                   785 218

TIER 2 CAPITAL (T2)               825 689        0.8        785 218        0.9

TOTAL QUALIFYING REGULATORY
CAPITAL                        34 105 253       35.0     32 571 910       35.6

REQUIRED REGULATORY
CAPITAL(1)                     11 690 101                10 982 843


(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%.
                                      2nd Quarter 2023     1st Quarter 2023
                                        31 August 2022          31 May 2022
                                                 R’000                R’000
LIQUIDITY COVERAGE RATIO (LCR)
High-Quality Liquid Assets                  73 672 864           77 081 924
Net Cash Outflows(1)                         2 830 266            2 988 551
Actual LCR                                      2 603%               2 579%
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.


                                      2nd Quarter 2023    1st Quarter 2023
                                        31 August 2022         31 May 2022
                                                 R’000               R’000
NET STABLE FUNDING RATIO (“NSFR”)
Total Available Stable Funding             165 049 369         160 160 219
Total Required Stable Funding               74 856 646          72 328 979
Actual NSFR                                      220.5%             221.4%
Required NSFR                                     100%                100%



                                      2nd Quarter 2023    1st Quarter 2023
                                        31 August 2022         31 May 2022
                                                 R’000               R’000
LEVERAGE RATIO
Tier 1 Capital                              33 279 564         31 786 692
Total Exposures                            183 739 998        177 754 908
Leverage Ratio                                   18.1%              17.9%


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
29 September 2022
Sponsor - PSG Capital