Investor Presentaiton

Policy and Regulatory Overview Comprehensive Financial Inclusion Policy needed as part of a national growth policy OHADA (Organization for the Harmonization of Business Law in Africa) integration is a significant driver Strong awareness, commitment and resolve for financial inclusion Regulators progressing despite scarcity of resources . • • . • • • There is currently no consolidated policy on financial inclusion, yet elements are present in other policy documents. There is a need for the joint development of an integral financial inclusion policy as part of a wider economic growth agenda The adoption of harmonized business law has had a significantly beneficial impact on the re-development of financial services and has enabled elements of the regulatory system to leapfrog developmental cycles and better align with regional and international norms Continued regulatory reform in line with OHADA opens the possibilities for greater regional and continental integration A widespread awareness of the benefits of the broadening of financial services with both government and private sector Strong evidence of the commitment and resolve to build an inclusive and stable financial services sector by regulators Sincere commitment to inclusive market development by private FSPs Well coordinated and cooperative donor community Progress towards financial inclusion has made great strides with some of the largest G2P programmes Limited resources available to regulators due to state budgetary constraints, a capital intensive developing financial sector and the limited use of the national currency

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