CAPITEC LIMITED - Quarterly Pillar 3 Capital Adequacy, Liquidity And Leverage Disclosures At 31 August 2026

What this filing means

Capitec released its quarterly Pillar 3 capital, liquidity and leverage ratios at 31 August 2026 — a mandatory regulatory disclosure under the Banks Act, not a trading or results update. The Group's CET1 ratio stands at 33.5% against a required 13%, the LCR at 2,670%, and the NSFR at 223.6%, all comfortably above minimum requirements. The ratios ticked slightly lower quarter-on-quarter as risk-weighted assets grew, but the bank remains very strongly capitalised with substantial buffers above regulatory floors.

Banks in South Africa have to publish their capital and liquidity numbers every quarter under a rule called Pillar 3. Capitec did that, and the numbers look fine — its CET1 capital ratio of 33.5% is far above the 13% it must hold by law. This is not a trading update or a results announcement; it is a compliance report that tells regulators and investors the bank has enough money to cover its risks. The ratios dipped a little from the prior quarter as the loan book grew, which is normal, not a warning sign.