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 (“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 29 February 2024 financial year end are set out below:


                                  2nd Quarter 2024          1st Quarter 2024
                                    31 August 2023               31 May 2023

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

 COMMON EQUITY TIER 1
 CAPITAL (CET1)                36 625 838       35.9     35 063 086       34.1

 Additional Tier 1 capital
 (AT1)                                  -            -            -            -

TIER 1 CAPITAL (T1)            36 625 838       35.9     35 063 086       34.1


 General allowance for
 credit impairment                858 615                   857 687

TIER 2 CAPITAL (T2)               858 615        0.9        857 687        0.8

TOTAL QUALIFYING REGULATORY
CAPITAL                        37 484 453       36.8     35 920 773       34.9

REQUIRED REGULATORY
CAPITAL(1)                     12 226 158                12 341 981


(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 2024     1st Quarter 2024
                                        31 August 2023          31 May 2023
                                                 R’000                R’000
LIQUIDITY COVERAGE RATIO
(“LCR”)
High-Quality Liquid Assets                  80 248 623           77 087 373
Net Cash Outflows(1)                         3 292 349            3 685 102
Actual LCR                                      2 437%               2 092%
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 2024    1st Quarter 2024
                                        31 August 2023         31 May 2023
                                                 R’000               R’000
NET STABLE FUNDING RATIO (“NSFR”)
Total Available Stable Funding             180 549 116         174 637 633
Total Required Stable Funding               81 662 686          80 557 884
Actual NSFR                                      221.1%             216.8%
Required NSFR                                     100%                100%



                                      2nd Quarter 2024    1st Quarter 2024
                                        31 August 2023         31 May 2023
                                                 R’000               R’000
LEVERAGE RATIO
Tier 1 Capital                              36 625 838         35 063 086
Total Exposures                            201 577 746        194 009 300
Leverage Ratio                                   18.2%              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

28 September 2023
Sponsor - PSG Capital  

Date: 28-09-2023 07:06:00
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