Investor Presentaiton

Our Focus for 2014 Corporate Banking Increase in non-funded income Prudent asset growth to safeguard healthy balance sheet Measured scaling-up of syndicated transactions and loans Focus on key growth sectors of energy, telecoms, mining and services Maximise opportunity to secure Advisory mandates • Increase branch network to 25 to improve brand visibility CAL Bank Bank on Our Service Retail Banking People Extension of our private banking service Grow retail deposits through promotional activities. Target growing middle class clientele for retail assets and deposits. Deepen cross training to foster job rotation Reward staff productivity and performance to attract and retain high quality personnel oil & gas, power, Continue to develop and train for capacity in key growth sectors syndications Provide a conducive environment to attain a high staff retention rate. Technology • . Increase installed ATMs to 100 by year end 2014 Enhance process and storage infrastructure Enhance IT products including: EMV cards Issuance and electronic statements Enhanced Internet Banking VISA/MasterCard POS Merchant Terminals MasterCard/China Union Products Half-Year 2014 Investor Presentation - August, 2014 20

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