| 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
Ratio(“CAR”) |
Capitec Group |
Capitec Bank |
| |
3rd Quarter
2025
30 Nov
2024 |
2nd Quarter
2025
31 Aug
2024 |
3rd Quarter
2025
30 Nov
2024 |
2nd Quarter
2025
31 Aug
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
Ratio (“LCR”) |
Capitec Group |
Capitec Bank |
| |
3rd Quarter
2025
30 Nov
2024 |
2nd Quarter
2025
31 Aug
2024 |
3rd Quarter
2025
30 Nov
2024 |
2nd Quarter
2025
31 Aug
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
Ratio (“NSFR”) |
Capitec Group |
Capitec Bank |
| |
3rd Quarter
2025
30 Nov
2024 |
2nd Quarter
2025
31 Aug
2024 |
3rd Quarter
2025
30 Nov
2024 |
2nd Quarter
2025
31 Aug
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 |
| For the full document click the link below: |
| Capitec Bank Holdings Limited |
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