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Investor Presentaiton

2014: Risk Management Imperatives CAL has identified key challenges in the business operating environment for the remainder of 2014 CAL Bank Bank on Our Service Preserving our Balance sheet in challenging times • Imperative to manage emerging and existing risk issues in 2014 and beyond to preserve healthy Balance Sheet • Continue strict adherence to Board-mandated Credit, Liquidity & Operational risk-appetite. • Risk Managers and Business Units have enhanced monitoring and reporting on identified risks for emerging challenges to be addressed on-time RISK MITIGATION MEASURES Foreign Exchange Effectively manage FOREX assets and liabilities to reduce exchange risk. Risk Interest Rate & Credit Risk • Increase Advisory/Non-funded income to mitigate risk of reduced net Interest income from loans as interest rates rise Rebalance Earning Asset mix to manage credit risk and interest rate risk. Closely monitor exposure to at-risk sectors (government, construction, mortgage, real estate, down-stream oil & gas) due to emerging economic challenges. Minimize exposure to foreign currency denominated expenses Inflation Rigorous Cost control to ensure value for money in procurement and capital expenditure Half-Year 2014 Investor Presentation - August, 2014 19
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