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Quarterly Pillar 3 Capital Adequacy, Liquidity and Leverage Disclosures at 28 February 2026
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
28 February 2026
Shareholders are advised that Capitec and Capitec Bank have released their
Pillar 3 disclosure report for the financial year ended 28 February 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 fourth quarter of the 28 February 2026 financial year (FY) end
are set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
FY 2026 FY 2026 FY 2026 FY 2026
28 February 30 November 28 February 30 November
2026 2025 2026 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 47 036 727 47 330 467 47 302 762 45 273 089
CET1 % 32.5 33.5 33.9 33.3
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 47 036 727 47 330 467 47 302 762 45 273 089
T1 % 32.5 33.5 33.9 33.3
General allowance for
credit impairment 1 162 172 1 053 527 1 153 041 1 106 124
Tier 2 capital (T2) 1 162 172 1 053 527 1 153 041 1 106 124
T2 % 0.8 0.7 0.9 0.8
Total qualifying
regulatory capital 48 198 899 48 383 994 48 455 803 46 379 213
Total qualifying
regulatory capital % 33.3 34.2 34.8 34.1
Required regulatory
capital(1) 18 799 250 16 964 132 18 122 020 16 334 007
(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% which was introduced on 1 January
2026.
Liquidity Coverage Capitec Group Capitec Bank
Ratio ("LCR")
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
FY 2026 FY 2026 FY 2026 FY 2026
28 February 30 November 28 February 30 November
2026 2025 2026 2025
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 101 464 194 99 015 935 101 464 194 99 015 935
Net cash outflows(1) 3 564 563 3 582 875 3 750 310 3 638 543
Actual LCR % 2 846 2 764 2 705 2 721
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
FY 2026 FY 2026 FY 2026 FY 2026
28 February 30 November 28 February 30 November
2026 2025 2026 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 227 960 623 228 575 402 226 216 060 224 475 562
Total required
stable funding 99 951 390 98 689 575 102 206 530 99 876 456
Actual NSFR % 228.1 231.6 221.3 224.8
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
4th Quarter 3rd Quarter 4th Quarter 3rd Quarter
FY 2026 FY 2026 FY 2026 FY 2026
28 February 30 November 28 February 30 November
2026 2025 2026 2025
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 47 036 727 47 330 467 47 302 762 45 273 089
Total exposures 237 456 713 233 112 746 234 811 726 230 369 688
Leverage ratio % 19.8 20.3 20.1 19.7
By order of the Board
Stellenbosch
22 April 2026
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 22-04-2026 07:06:00
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