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 Produced by the JSE SENS Department. The SENS service is an information dissemination service administered by the JSE Limited ('JSE'). The JSE does not, whether expressly, tacitly or implicitly, represent, warrant or in any way guarantee the truth, accuracy or completeness of the information published on SENS. The JSE, their officers, employees and agents accept no liability for (or in respect of) any direct, indirect, incidental or consequential loss or damage of any kind or nature, howsoever arising, from the use of SENS or the use of, or reliance on, information disseminated through SENS.