Investor Presentaiton

Dec 2018: 20,7% NPL Ratio Dec 2019 Financial Performance: Balance Sheet Statement Net Loan Book Dec 2019: (+22%) 701,9mn Dec 2018: 576,5mn Equity Dec 2019: (-10%) 125,5mn Dec 2018: 139,3mn Capital Adequacy Dec 2019 Balance Sheet Indicators (Cedi) Total Assets Dec 2019: (+15%) 777,7mn Dec 2018: 672,6mn Equity to Assets Dec 2019 16,1% Total Borrowings Dec 2019: (+22%) 358,1mn Cedi'000 Net advances Balance Sheet (Cedi) 19-Dec 18-Dec 701 892 576 504 Cash and cash equivalents 11 299 29 539 Other assets 64 468 66 546 Total Assets 777 677 672 589 Dec 2018: 293,7mn Equity 125 480 139 346 Debt to Equity Dec 2019 Shareholders loans 175 133 73 931 Long term borrowings 358 143 293 727 4,8x Deposits 70 562 113 421 Other liabilities 48 359 52 164 Dec 2018: 3,5x Total Liabilities 652 197 533 243 Provision Coverage Total Equity and Liabilities 777 677 672 589 Dec 2019 $'000 19-Dec 11,9% 7,3% 6,6% Net advances 126 840 Cash and cash equivalents 2 043 18-Dec 119 607 6 129 Dec 2018: 11,6% Dec 2018: 8,8% Dec 2018: 7,0% Other assets 11 653 13 806 Total Assets 140 535 139 542 Equity 22 676 28 910 Balance sheet remains strong with total assets increasing by 15% during the 2019 financial year Shareholders loans 31 649 15 338 Long term borrowings 64 720 60 939 Deposits 12 751 23 531 Other liabilities 8 739 10 824 Total Liabilities 117 859 110 632 Total Equity and Liabilities 140 535 139 542 December 2019 results unaudited Strictly Private & Confidential 20

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