CalBank Banking Sector Overview & Competitor Benchmarking

CalBank | Strategic priorities & Key performance indicators 2023 Driving our execution momentum We owe a responsibility to our shareholders to run a sustainable bank. As such, our 2023 strategy takes into cognizance challenges in our operating environment and leverages the bank's core capabilities to build resilience and ensure sustainability. 2023 Restructuring and improving the 01 health of the balance sheet to build resilience and ensure 2021 2022 KPI Y-O-Y Q1 2023 (GHS'Bn) Target (GHS'Bn) Total Assets 7.9% 10.2 10.6 sustainability Deposits Advances 6.8% 7.5 7.7 48.6% 4.1 4.6 Enhancing customer 02 experience to sustain market share KPI (Ratios) 2023 FY 2022 Q1 2023 Target CASA/Total Deposits 62.6% 70.2% 65% - 68% Cost to Income 52.1% 55.8% 60% - 65% Driving a performance culture Return on Assets (8.8)% 2.4% 1.5% - 2% 03 and improving staff Return on Equity (152.4)% 43.9% 18% - 20% knowledge to become Non-performing employer of choice 11.7% 11.2% <10% loans 49 CalBank

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