Investor Presentaiton

Dependent on short term small deposits, institutional investors limited Commercial banks largest deposit takers. Largest depositors: high income, urban population; civil servants; state officials; army. More than half of deposits concentrated in Kinshasa. Nearly 30% of 278 bank branches (2013) located in Kinshasa. Savings typically short term in nature - difficult to form long term assets. 7% 4% 13% 76% Liabilities of the banking system (2014) Savings Interbank funding and BCC Other I Capital and reserves

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