Investor Presentaiton

CAL Bank HY 2014 - Expense Evolution Improving Cost-to-income Ratio 45.0% 40.0% 40.6% 10.0 9.0 8.0 7.0 CAL Bank Bank on Our Service Credit Loss Expense (GHS millions) 35.0% 6.0 35.3% 5.1 32.5% 5.0 30.0% 25.0% 20.0% HY 2012 HY 2013 HY 2014 Half-Year 2014 Investor Presentation - August, 2014 4.0 3.0 2.0 1.0 8.8 6.8 HY 2012 HY 2013 HY 2014 13

View entire presentation