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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 second quarter of the 28 February 2025 financial year end are
set out below:
Capital Adequacy Capitec Group Capitec Bank
Ratio("CAR")
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
2025 2025 2025 2025
31 Aug 31 May 31 Aug 31 May
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Common Equity Tier 1
capital (CET1) 42 081 092 40 111 852 37 214 197 35 706 175
CET1 % 36.0 36.1 34.0 34.1
Additional Tier 1
capital (AT1) - - - -
AT1 % - - - -
Tier 1 capital (T1) 42 081 092 40 111 852 37 214 197 35 706 175
T1 % 36.0 36.1 34.0 34.1
General allowance for
credit impairment 976 317 955 784 959 815 942 299
Tier 2 capital (T2) 976 317 955 784 959 815 942 299
T2 % 0.8 0.8 0.9 0.9
Total qualifying
regulatory capital 43 057 409 41 067 636 38 174 012 36 648 474
Total qualifying
regulatory capital % 36.8 36.9 34.9 35.0
Required regulatory
capital(1) 14 032 883 13 342 588 13 140 993 12 571 708
(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")
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
2025 2025 2025 2025
31 Aug 31 May 31 Aug 31 May
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
High-quality liquid
assets ("HQLA") 84 350 618 82 334 115 84 350 618 82 334 115
Net cash outflows(1) 2 865 565 3 480 794 2 865 565 3 442 256
Actual LCR % 2 944 2 365 2 944 2 392
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")
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
2025 2025 2025 2025
31 Aug 31 May 31 Aug 31 May
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Total available
stable funding 200 891 308 196 611 804 194 324 871 190 246 087
Total required
stable funding 89 867 914 89 996 421 85 258 025 85 214 090
Actual NSFR % 223.5 218.5 227.9 223.3
Required NSFR % 100 100 100 100
Leverage ratio Capitec Group Capitec Bank
2nd Quarter 1st Quarter 2nd Quarter 1st Quarter
2025 2025 2025 2025
31 Aug 31 May 31 Aug 31 May
2024 2024 2024 2024
R'000 / % R'000 / % R'000 / % R'000 / %
Tier 1 capital 42 081 092 40 111 852 37 214 197 35 706 175
Total exposures 223 077 691 214 893 053 216 535 153 209 276 989
Leverage ratio % 18.9 18.7 17.2 17.1
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
1 October 2024
Capitec Equity Sponsor: PSG Capital Proprietary Limited
Capitec Bank Debt Sponsor: PSG Capital Proprietary Limited
Date: 01-10-2024 07:06:00
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