Investor Presentaiton

CAL Bank Bank on Our Service CAL Bank HY 2014 - Key Highlights Good Profitability among listed peers (GHS millions) 160 150 140 120 100 80 60 40 20 119 111 HY 2014 Net Profit 60 21 19 5 EBG GCB SCB CAL HFC SOGEGH UTB Performing at par with listed peers in ROE and ROA ROE ROA CAL Secures USD 28.5 million New Tier 2 Capital CAL Bank has secured a $ 28.5 million capital credit from French government development finance institution, Societe De Promotion Et De Participation Pour La Cooperation Economique S. A.(PROPARCO) The facility, which is an unsecured loan, will be used as Tier 2 capital in supporting CAL's on-lending activities. The facility provides CAL Bank with competitive interest rates under flexible terms and conditions and enhances the bank's single obligor limit. Proparco is CAL's 3rd largest shareholder with 6.86% shareholding. CAL Launches 1st Deposit-Taking ATMs in Ghana 60% 52% 52% 50% 44% 38% 40% 30% 20% 20% 20% 3.9% 10% 7% 5% 6% 6% 4% 3% 4.7% 0% EBG SCB GCB CAL SOGEGH HFC UTB Half-Year 2014 Investor Presentation - August, 2014 THERE'S A NEW KIND OF ATM MACHINE IN TOWN DEPOSIT BEC WITHDRAW Get more done, faster! You can now deposit cash at your convenience with CAL Bank's new withdrawal and deposit ATMs E Bonk 000 CAL Bank on Our Service 10

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