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Quarterly Pillar 3 Capital Adequacy, Liquidity And Leverage Disclosures At 31 August 2026
CAPITEC LIMITED (previously Capitec Bank Holdings Limited)
Registration number 1999/025903/06
Incorporated in the Republic of South Africa
Registered bank controlling company
Ordinary Share Code: CPI ISIN Number: ZAE000035861
Preference Share Code: CPIP ISIN Number: ZAE000083838
("Capitec")
CAPITEC BANK LIMITED
Registration number 1980/003695/06
Incorporated in the Republic of South Africa
Registered bank
Company code: BICAP
(“Capitec Bank”)
Quarterly Pillar 3 capital adequacy, liquidity and leverage disclosures at
31 August 2026
Shareholders are advised that Capitec and Capitec Bank have released their
Pillar 3 disclosure report for the financial quarter ended 31 August 2026.
The disclosures have been prepared in accordance with Directive 10 of 2025
issued by the Prudential Authority, which sets out the Pillar 3 disclosure
requirements framework issued in terms of section 6(6) of the Banks Act, 94 of
1990. The detailed Pillar 3 disclosure report is available under the “Banks Act
Public Disclosure” section of the Group’s website at
https://www.capitecbank.co.za/investor-relations.
The Capitec Group and Capitec Bank capital, liquidity, and leverage positions at
the end of the second quarter of the 28 February 2027 financial year (FY) end
are set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio(“CAR”)
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
FY 2027 FY 2027 FY 2027 FY 2027
31 August 31 May 31 August 31 May
2026 2026 2026 2026
R’000 / % R’000 / % R’000 / % R’000 / %
Common Equity Tier 1
capital (CET1) 53 400 745 51 517 409 50 861 715 49 221 115
CET1 % 33.5 34.9 33.4 34.4
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 53 400 745 51 517 409 50 861 715 49 221 115
T1 % 33.5 34.9 33.4 34.4
General allowance for
credit impairment 1 254 349 1 190 985 1 265 827 1 186 893
Tier 2 capital (T2) 1 254 349 1 190 985 1 265 827 1 186 893
T2 % 0.8 0.8 0.8 0.8
Total qualifying
regulatory capital 54 655 094 52 708 394 52 127 542 50 408 008
Total qualifying
regulatory capital % 34.3 35.7 34.2 35.2
Required regulatory
capital(1) 20 734 544 19 191 728 19 819 285 18 595 410
(1)This value is currently 13% 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%, the Domestic Systemically
Important Bank (“D-SIB”) capital add-on of 0.5%, and the countercyclical
buffer of 1%.
Liquidity Coverage Capitec Group Capitec Bank
Ratio (“LCR”)
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
FY 2027 FY 2027 FY 2027 FY 2027
31 August 31 May 31 August 31 May
2026 2026 2026 2026
R’000 / % R’000 / % R’000 / % R’000 / %
High-quality liquid
assets (“HQLA”) 102 136 698 100 869 614 102 136 698 100 869 614
Net cash outflows(1) 3 824 795 4 190 423 3 903 656 4 275 689
Actual LCR % 2 670 2 407 2 616 2 359
Required LCR % 100 100 100 100
(1)The total net weighted cash outflows are calculated as the total cash outflows,
less the minimum of either the cash inflows, or 75% of total outflows.
Net Stable Funding Capitec Group Capitec Bank
Ratio (“NSFR”)
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
FY 2027 FY 2027 FY 2027 FY 2027
31 August 31 May 31 August 31 May
2026 2026 2026 2026
R’000 / % R’000 / % R’000 / % R’000 / %
Total available
stable funding 240 854 708 234 446 445 235 869 893 229 452 882
Total required
stable funding 107 712 297 104 315 494 109 549 306 106 022 122
Actual NSFR % 223.6 224.7 215.3 216.4
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
FY 2027 FY 2027 FY 2027 FY 2027
31 August 31 May 31 August 31 May
2026 2026 2026 2026
R’000 / % R’000 / % R’000 / % R’000 / %
Tier 1 capital 53 400 745 51 517 409 50 861 715 49 221 115
Total exposures 251 260 134 245 294 890 248 731 082 242 620 006
Leverage ratio % 21.3 21.0 20.4 20.3
By order of the Board
Stellenbosch
30 September 2026
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 30/09/2026 07:06:00
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