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Investor Presentaiton

The industry challenge of cost efficiency and revenue growth $ LI ( COST #1 High cost to serve The cost efficiency for the banks are quite high going up to 63%. This creates pressure on the profitability for the banks. #2 Low fee-based income The banks need to focus on improving their fee-based income if they want above average revenue growth. The scope for increase lies between 8-15%. #3 High ICT expenditure The banks are investing up to 4.5% of their revenue into ICT but are unable to realise solid returns from this expenditure. tuimbit

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