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 third quarter of the 29 February 2024 financial year end are set out below: 3rd Quarter 2024 2nd Quarter 2024 30 November 2023 31 August 2023 Capital Capital Adequacy Adequacy R'000 Ratio % R'000 Ratio % COMMON EQUITY TIER 1 CAPITAL (CET1) 38 285 180 36.8 36 625 838 35.9 Additional Tier 1 capital (AT1) - - - - TIER 1 CAPITAL (T1) 38 285 180 36.8 36 625 838 35.9 General allowance for credit impairment 874 764 858 615 TIER 2 CAPITAL (T2) 874 764 0.8 858 615 0.9 TOTAL QUALIFYING REGULATORY CAPITAL 39 159 944 37.6 37 484 453 36.8 REQUIRED REGULATORY CAPITAL(1) 12 498 091 12 226 158 (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 2024 2nd Quarter 2024 30 November 2023 31 August 2023 R'000 R'000 LIQUIDITY COVERAGE RATIO ("LCR") High-Quality Liquid Assets 85 677 523 80 248 623 Net Cash Outflows(1) 3 562 036 3 292 349 Actual LCR 2 405% 2 437% Required LCR 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. 3rd Quarter 2024 2nd Quarter 2024 30 November 2023 31 August 2023 R'000 R'000 NET STABLE FUNDING RATIO ("NSFR") Total Available Stable Funding 186 273 186 180 549 116 Total Required Stable Funding 83 665 096 81 662 686 Actual NSFR 222.6% 221.1% Required NSFR 100% 100% 3rd Quarter 2024 2nd Quarter 2024 30 November 2023 31 August 2023 R'000 R'000 LEVERAGE RATIO Tier 1 Capital 38 285 180 36 625 838 Total Exposures 207 476 766 201 577 746 Leverage Ratio 18.5% 18.2% 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 14 December 2023 Sponsor - PSG Capital Date: 14-12-2023 02:00:00 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.