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 third quarter of the 28 February 2023 financial year end are set out below: 3rd Quarter 2023 2nd Quarter 2023 30 November 2022 31 August 2022 Capital Capital Adequacy Adequacy R’000 Ratio % R’000 Ratio % COMMON EQUITY TIER 1 CAPITAL (CET1) 34 649 834 34.2 33 279 564 34.2 Additional Tier 1 capital (AT1) - - - - TIER 1 CAPITAL (T1) 34 649 834 34.2 33 279 564 34.2 General allowance for credit impairment 825 703 825 689 TIER 2 CAPITAL (T2) 825 703 0.8 825 689 0.8 TOTAL QUALIFYING REGULATORY CAPITAL 35 475 537 35.0 34 105 253 35.0 REQUIRED REGULATORY CAPITAL(1) 12 165 506 11 690 101 (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%. 3rd Quarter 2023 2nd Quarter 2023 30 November 2022 31 August 2022 R’000 R’000 LIQUIDITY COVERAGE RATIO (LCR) High-Quality Liquid Assets 70 626 237 73 672 864 Net Cash Outflows(1) 3 046 824 2 830 266 Actual LCR 2 318% 2 603% 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. 3rd Quarter 2023 2nd Quarter 2023 30 November 2022 31 August 2022 R’000 R’000 NET STABLE FUNDING RATIO (“NSFR”) Total Available Stable Funding 171 734 308 165 049 369 Total Required Stable Funding 77 828 343 74 856 646 Actual NSFR 220.7% 220.5% Required NSFR 100% 100% 3rd Quarter 2023 2nd Quarter 2023 30 November 2022 31 August 2022 R’000 R’000 LEVERAGE RATIO Tier 1 Capital 34 649 834 33 279 564 Total Exposures 191 381 680 183 739 998 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 15 December 2022 Sponsor - PSG Capital