CAPITEC BANK HOLDINGS LIMITED - Quarterly Disclosure In Terms Of Regulation 43 Of The Regulations Relating To Banks

Quarterly Disclosure In Terms Of Regulation 43 Of The Regulations Relating To Banks

 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 (“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 and
 liquidity ratios on a quarterly basis.

 The group’s consolidated capital and liquidity positions at the end of the
 first quarter for the 29 February 2020 financial year end are set out
 below:

                                  1st Quarter 2020         4th Quarter 2019
                                       31 May 2019         28 February 2019

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

 Common Equity Tier 1
 capital (CET1)               21 585 401       31.5   20 911 742         32.8
 Additional Tier 1
 capital (AT1)(1)                 77 691        0.2       77 691          0.1

TIER 1 CAPITAL (T1)           21 663 092       31.7   20 989 433         32.9

 Unidentified loan
 impairments                     642 200                 624 762

TIER 2 CAPITAL (T2)              642 200        0.9      624 762          1.0

TOTAL QUALIFYING
REGULATORY CAPITAL            22 305 292       32.6   21 614 195         33.9

REQUIRED REGULATORY
CAPITAL(2)                     7 870 871               7 327 549

 (1)Starting 2013, the non-loss absorbent AT1 and T2 capital is subject to a
 10% per annum phase-out in terms of Basel 3.

 (2)This value is 11.500% (2018: 11.125%) of risk-weighted assets, being the
 Basel global minimum requirement of 8.000%, the South African country-
 specific buffer of 1.000% (2018: 1.250%) and the Capital Conservation
 Buffer of 2.500% (2018: 1.875%), disclosable in terms of SARB November
 2016 directive in order to standardise reporting across banks. In terms of
 the regulations the Individual Capital Requirement (ICR) is excluded.

                                       1st Quarter 2020       4th Quarter 2019
                                            31 May 2019       28 February 2019

LIQUIDITY COVERAGE RATIO (LCR)

High-Quality Liquid Assets                    19 259 374        16 352 197
Net Cash Outflows (1)                          1 183 119         1 127 690
Actual LCR Ratio                                  1 628%            1 450%
Required LCR Ratio                                  100%              100%


LEVERAGE RATIO
Tier 1 Capital                                21 663 092        20 989 433
Total Exposures                              108 523 925       100 801 802
Leverage Ratio                                     20.0%             20.8%


NET STABLE FUNDING RATIO (NSFR)
Total Available Stable Funding(ASF)           98 640 822        91 043 608
Total Required Stable Funding (RSF)           47 794 908        46 548 253
Actual NSFR Ratio                                 206.4%            195.6%
Required NSFR Ratio                                 100%              100%


(1)As Capitec has a net cash inflow after applying the run-off weightings,
outflows for the purpose of the ratio are deemed to be 25% of gross outflows.

      For the complete 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
      26 June 2019
      Sponsor - PSG Capital Proprietary Limited

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