Investor Presentaiton

CAL Bank HY 2014 - Key Highlights Robust growth in Income and Profitability (GHS millions) 180 154 160 140 126 120 100 80 60 40 20 79 69 HY 2013 HY 2014 140 31 60 60 100 56 88 22 42 CAL Bank Bank on Our Service 61 Interest Income Net Interest Income Non Interest Revenue Total Income Profit before tax Profit after tax Measured growth in Assets & Deposits (GHS millions) Net Interest Margin HY 2013 HY 2014 2500 16.0% 14.3% 2101 14.0% 2000 12.0% 10.7% 9.5% 10.0% 1500 1283 1148 874 879 1000 743 8.0% 6.0% 4.0% 500 2.0% 0 0.0% Loans & advances Total deposits Total assets HY 2012 HY 2013 HY 2014 Half-Year 2014 Investor Presentation - August, 2014 9

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