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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 fourth quarter of the 28 February 2025 financial year end are
set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2025 2025 2025 2025
28 Feb 30 Nov 28 Feb 30 Nov
2025 2024 2025 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 45 494 195 44 213 011 40 613 066 38 869 806
CET1 % 37.2 36.4 36.0 34.1
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 45 494 195 44 213 011 40 613 066 38 869 806
T1 % 37.2 36.4 36.0 34.1
General allowance for
credit impairment 997 691 988 323 979 417 971 474
Tier 2 capital (T2) 997 691 988 323 979 417 971 474
T2 % 0.8 0.8 0.9 0.9
Total qualifying
regulatory capital 46 491 886 45 201 334 41 592 483 39 841 280
Total qualifying
regulatory capital % 38.0 37.2 36.9 35.0
Required regulatory
capital(1) 14 681 938 14 585 172 13 524 796 13 674 410
(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")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2025 2025 2025 2025
28 Feb 30 Nov 28 Feb 30 Nov
2025 2024 2025 2024
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 90 562 762 88 178 675 90 562 762 88 178 675
Net cash outflows(1) 2 935 536 3 124 559 2 949 894 3 095 690
Actual LCR % 3 085 2 822 3 070 2 848
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")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2025 2025 2025 2025
28 Feb 30 Nov 28 Feb 30 Nov
2025 2024 2025 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 213 074 819 212 154 062 206 344 771 204 853 407
Total required
stable funding 94 700 520 92 352 310 89 788 304 87 831 716
Actual NSFR % 225.0 229.7 229.8 233.2
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
2025 2025 2025 2025
28 Feb 30 Nov 28 Feb 30 Nov
2025 2024 2025 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 45 494 195 44 213 011 40 613 066 38 869 806
Total exposures 238 770 873 235 927 702 231 126 748 229 203 318
Leverage ratio % 19.1 18.7 17.6 17.0
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
23 April 2025
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 23-04-2025 07:06:00
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