Investor Presentaiton

Key Highlights - ACBB Attributable Earnings (Rm) 3000 2500 2000 1500 . 1000 2 806 2 167 1 384 • 500 Attributable earnings of R2.8billion (↑ 30%) • Revenue of R8.7billion (20%) • Transaction volumes up 10% • Impairments well controlled, impairment ratio of 0.28% • Cost to income ratio improves from 51.8% to 49.8% Contribution to Group earnings of 27.1% (F07 contribution: 20.9%) Growth in advances of 33.1% 0 2008 2007 20064 • Deposits up 29.0% 4 excl CAF & Africa 23

View entire presentation