Investor Presentaiton

CAL Bank HY 2014 - Asset Profile Interest earning assets still dominate GHS billions 2.5 2 1.5 1 2% 26% 0.5 72% 0 HY 2012 Loans & Advances Capital Adequacy Ratio - Trending down 25.0% 19.1% 20.0% 15.0% 10.0% 5.0% 0.0% HY 2012 1% 23% 76% 1% 33% 66% HY 2013 HY 2014 Other Interest Earning Assets Other Assets CAL Bank Bank on Our Service NPL ratio trend: CAL Bank vs. Industry BOG's regulatory minimum of 10% CAL Bank -Industry 16.0% 14.0% 17.8% 16.2% 12.0% 14.1% 13.3% 12.8% 10.0% 8.0% 6.0% 8.1% 7.2% 6.0% 4.0% 2.0% 0.0% HY 2013 HY 2014 HY 2012 HY 2013 HY 2014 Half-Year 2014 Investor Presentation - August, 2014 15

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