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Quarterly disclosure in terms of Regulation 43 of the regulations relating to banks
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 disclosure in terms of Regulation 43 of the regulations relating to
banks
Capitec and its subsidiaries ("Capitec 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 Capitec group consolidated and Capitec Bank capital and liquidity positions
at the end of the third quarter of the 28 February 2025 financial year end are
set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
2025 2025 2025 2025
30 Nov 31 Aug 30 Nov 31 Aug
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 44 213 011 42 081 092 38 869 806 37 214 197
CET1 % 36.4 36.0 34.1 34.0
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 44 213 011 42 081 092 38 869 806 37 214 197
T1 % 36.4 36.0 34.1 34.0
General allowance for
credit impairment 988 323 976 317 971 474 959 815
Tier 2 capital (T2) 988 323 976 317 971 474 959 815
T2 % 0.8 0.8 0.9 0.9
Total qualifying
regulatory capital 45 201 334 43 057 409 39 841 280 38 174 012
Total qualifying
regulatory capital % 37.2 36.8 35.0 34.9
Required regulatory
capital(1) 14 585 172 14 032 883 13 674 410 13 140 993
(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%.
Liquidity Coverage Capitec Group Capitec Bank
Ratio ("LCR")
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
2025 2025 2025 2025
30 Nov 31 Aug 30 Nov 31 Aug
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 88 178 675 84 350 618 88 178 675 84 350 618
Net cash outflows(1) 3 124 559 2 865 565 3 095 690 2 865 565
Actual LCR % 2 822 2 944 2 848 2 944
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")
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
2025 2025 2025 2025
30 Nov 31 Aug 30 Nov 31 Aug
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 212 154 062 200 891 308 204 853 407 194 324 871
Total required
stable funding 92 352 310 89 867 914 87 831 716 85 258 025
Actual NSFR % 229.7 223.5 233.2 227.9
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
3rd Quarter 2nd Quarter 3rd Quarter 2nd Quarter
2025 2025 2025 2025
30 Nov 31 Aug 30 Nov 31 Aug
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 44 213 011 42 081 092 38 869 806 37 214 197
Total exposures 235 927 702 223 077 691 229 203 318 216 535 153
Leverage ratio % 18.7 18.9 17.0 17.2
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
19 December 2024
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 19-12-2024 10:00:00
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