Dealings in Securities by a Prescribed Officer and an Associate of a Prescribed Officer

The announcement

Dealings in Securities by a Prescribed Officer and an Associate of a Prescribed Officer

CAPITEC LIMITED (previously “Capitec Bank Holdings Limited”)
Registration Number: 1999/025903/06
Incorporated in the Republic of South Africa
Registered bank controlling company
Share Code:    CPI
ISIN Number: ZAE000035861
A2X Ordinary share code: CPI
(“Capitec” or “the Company”)

DEALINGS IN SECURITIES BY A PRESCRIBED OFFICER AND AN ASSOCIATE OF A
PRESCRIBED OFFICER

Shareholders are advised that a prescribed officer of the Company, Mr Karl
Kumbier, exercised options to acquire ordinary shares and transferred
Capitec ordinary shares to his associate for purposes of estate planning.

In compliance with the JSE Listings Requirements, details of the dealings
are disclosed in the table below:

1.
NATURE OF DEALING               Exercise of options through net equity
                                settlement (off-market dealing)

TYPE AND CLASS OF SECURITIES    Options to acquire ordinary shares

DATE OF DEALING                 20 October 2026

NUMBER OF OPTIONS EXERCISED     4 565

NUMBER OF ORDINARY SHARES       1 938
ACQUIRED AS A RESULT OF NET
EQUITY SETTLEMENT

OPTION STRIKE PRICE (RANDS)     R1 006.83

STRIKE DATE OF OPTIONS          20 October 2026

PERIOD OF EXERCISE              Participants have a nine-month period
                                from the strike date during which
                                options can be exercised

NATURE AND EXTENT OF THE        Direct, beneficial
PRESCRIBED OFFICER’S INTEREST
IN THE DEALING

2.
NATURE OF DEALINGS              (1) Off-market dealing in terms of which
                                    the prescribed officer transferred
                                    ordinary shares to his associate,
                                    Jamani Capital (Pty) Limited
                                (2) Off-market dealing in terms of which
                                    Jamani Capital (Pty) Limited, an
                                    associate of the prescribed officer,
                                    acquired ordinary shares from the
                                    prescribed officer
DATE OF DEALINGS                  20 October 2026                    (a)
                                  21 October 2026                    (b)
                                  22 October 2026                    (c)

NUMBER OF SECURITIES              1 938                              (a)
TRANSACTED                        1 886                              (b)
                                  3 993                              (c)

PRICE PER SECURITY (RANDS)        R4 416.17                       (a - c)

TOTAL RAND VALUE OF               R34 521 200.89                  (a - c)
SECURITIES TRANSACTED

NAME OF ASSOCIATE                 Jamani Capital (Pty) Limited

RELATIONSHIP WITH THE             The prescribed officer is a director of
PRESCRIBED OFFICER                Jamani Capital (Pty) Limited

NATURE AND EXTENT OF THE          (1) Transfer of shares by the prescribed
PRESCRIBED OFFICERS INTEREST          officer: Direct, beneficial
IN THE DEALING                    (2) Acquisition of shares by the
                                      associate: Indirect, beneficial

Clearance deal was obtained in accordance with the JSE Listings
Requirements.

22 October 2026
Stellenbosch

Sponsor
PSG Capital Proprietary Limited
Date: 22/10/2026 02:50:00
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