Investor Presentaiton

Funding Summary • • Bond Issuances Bayport Savings and Loans has successfully issued 11 tranches of listed bonds into the local market between Dec 2015 and June 2019. Cumulative total bond size over the period stands at GHS 308m. Outstanding bond portfolio size currently running stands at GHS 206m Bondholders include local banks, pension funds, insurance companies as well as a pool of high net worth individuals Asset and Liability Mismatch (USD '000) Positive liquidity mismatch: Group ALCO policy to ensure that contractual assets mature faster than contractual liabilities Information as at 31 December 2019 Funding Partners BlueOrchard Member of the Impact Investment Managers Schroders Group Stanbic Bank Standard Chartered Opening 0-6 6-12 Balance Months Months 1-2 Years 2-3 Years 3-4 Years 4-5 Years Assets Liabilities Cumulative (RHS) -1,475 35,119 27,686 42,802 28,491 15,895 9,264 17,308 19,490 54,922 31,726 8,489 7,653 16,337 24,532 12,413 9,178 16,584 18,196 Assets Liabilities Funding Mix Bank Overdrafts DFI/Impact 7% 1% Deposits 10% Bank Bilaterals. 16% Strictly Private & Confidential Shareholder Loans 26% Cumulative (RHS) Bonds 40% 24

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