Investor Presentaiton

Strategy 2010 - 2012 Niches to grow... Build on relationships Leverage global capabilities in Commercial Banking and Global Banking and Markets Premier and Gold/Advance business propositions Focus growth in Business Banking and keep market share in Mid Market Enterprises and Large Local Corporate Leverage global presence – increase share of wallet with select customer base Core consumer finance Low cost model proposition for middle income customers Leverage the use of direct channels Refocus geographically Capital injection of USD 600 million provides strong platform for growth 11

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