Empowering people living with spinal cord injury “For those with disabilities such as quadriplegia, the ability to decide who gives you a shower, gets you dressed and takes you to class or work is the ultimate freedom…,” reads a tribute by Jonathan Muthubi, a former CEO of The Cluster Foundation (TCF). This statement mirrors TCF’s purpose. Established in 2006, TCF purposes to improve the quality of life for young people affected by spinal cord injuries through its ‘I CAN Experience’ program. This is by empowering them to be active, independent and self-sufficient participants in the society. “The program works towards ensuring that every person with paralysis has a strong purpose in life,” explains Njoki Mwangi a TCF trustee. “They start by doing small things, which snowball over time until that time one is independent and ready to do what they considered impossible and that, to many, is getting back into action.” The program includes social reconstruction and special needs of people living with paralysis as well as the attitudes of the society towards them. Adventurous and fun activities that provide key opportunities for having a strong purpose in life are conducted. Sports like horse riding, swimming and expeditions are some of the activities organized every month, to empower paraplegics and quadriplegics to demonstrate that anything is possible despite paralysis. These are funded by revenue from sale of old newspapers and supplemented by sponsors and supporters. ABC Bank is one of TCF supporters, and donates old newspapers every month to the organization, for this purpose. “It is our intention as a Bank to support members of the society challenged in various ways, and therefore causes like what TCF has taken up are close to our hearts,” says Deviinder Gupta, ABC Bank Group CEO. “ABC Bank has been a valuable supporter of TCF, keen to understand and support our operations. We look forward to working together to make an impact,” said Njoki. Get involved today. Talk2us@abcthebank.com

1. April - June 2013, Issue No. 7
Empowering people living with spinal
cord injury
“For those with disabilities such as quadriplegia, the abil-
ity to decide who gives you a shower, gets you dressed
and takes you to class or work is the ultimate free-
dom…,” reads a tribute by Jonathan Muthubi, a former
CEO of The Cluster Foundation (TCF).
This statement mirrors TCF’s purpose. Established in
2006, TCF purposes to improve the quality of life for
young people affected by spinal cord injuries through its
‘I CAN Experience’ program. This is by empowering them
to be active, independent and self-sufficient participants
in the society.
“The program works towards ensuring that every person
with paralysis has a strong purpose in life,” explains Njoki
Mwangi a TCF trustee. “They start by doing small things, which snowball over time until that time one is indepen-
dent and ready to do what they considered impossible and that, to many, is getting back into action.”
The program includes social reconstruction and special
needs of people living with paralysis as well as the attitudes
of the society towards them. Adventurous and fun activi-
ties that provide key opportunities for having a strong pur-
pose in life are conducted. Sports like horse riding, swim-
ming and expeditions are some of the activities organized
every month, to empower paraplegics and quadriplegics to demonstrate that anything is possible despite paral-
ysis. These are funded by revenue from sale of old newspapers and supplemented by sponsors and supporters.
ABC Bank is one of TCF supporters, and donates old newspapers every month to the organization, for this pur-
pose. “It is our intention as a Bank to support members of the society challenged in various ways, and therefore
causes like what TCF has taken up are close to our hearts,” says Deviinder Gupta, ABC Bank Group CEO.
“ABC Bank has been a valuable supporter of TCF, keen to understand and support our operations. We look for-
ward to working together to make an impact,” said Njoki. Get involved today. Talk2us@abcthebank.com
In this Issue
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Our ContactsMortgage Partner:
ABC Bank launches Mpesa Pay Bill
for easy transfers
Mpesa transfers begin
Which way forward?
The Stock Market
Our email alerts make banking a
breeze
E- statements & E-mail alerts
Highlights of our 2012 financial
results
Financials
Our Partners
A TCF beneficiary participates in a basket ball game. Such sports days are
not about creating elite sportsmen and women, but trying something
new and different, to inspire the thought ‘If I can do this, what else can I
achieve?’
“ABC Bank has been a valuable supporter
of TCF, keen to understand and support
our operations. We look forward to work-
ing together to make an impact.”

2. I wish to start by appreciating
your overwhelming support
which has seen ABC Bank
Group total assets grow by
56.8 percent to Kshs 19.7 bil-
lion for the year ending 31st
December 2012, from Kshs
12.6 billion recorded in 2011.
We would not have done it
without you, and we appre-
ciate your partnership. (See
page 5 for more details.)
It is our commitment to con-
tinuously deliver value to you, even as you perform your
day to day banking activities. Your constant feedback
keeps us on our toes to efficiently meet your financial
needs, and become the bank of choice for Kenyans
across various demographics and locations.
This year we have renewed our focus to innovate and
diversify our product offering.
First I am happy to let you know that our internet bank-
ing platform, which has become an important tool for
both your personal and business engagements, has got-
ten a revamp. We will be re-launching this platform in
the next one month, on a state of the art system that is
more versatile and user friendly and allows customers
to carry out an extensive range of transactions from the
comfort of their homes, offices or even on the go.
We will also soon be launching a revolutionary new in-
ternational money transfer service. A first in this mar-
ket, this product will give immense value to over 40 mil-
lion Kenyans. As we know, money transfer charges are
a big burden to many people who have to send money
to their loved ones back home or abroad on regular
basis. This innovative service will enable people send
money easily and affordably anywhere in the world. As
a Bank we are working more towards speed, openness
and efficiency in our operations and you will continue to
see this in our products and service delivery this year.
I encourage you to take full advantage of our various
platforms and services to make your banking with us
enjoyable. And you can bet many more quality products
services and partnerships are coming your way.
Enjoy the issue.
Thank You.
Group Managing Director
GMD’s Statement Pictorial
ABC Bank Group Chief Executive Officer Deviinder Gupta (right), and the Relationship Manager,
Public Sector, Kennedy Chemitei (left) watch as the Ministry of Education Permanent Secretary
Prof. George Godia appends his signature on a joint MOU that will guide disbursement of funds to
education institutions across the country under the free primary education programme.
ABC Bank Senior Communications Officer Catherine Ndioo (centre) presents newspapers to Nick
Nguyo (right) and Njoki Mwangi, both Trustees of The Cluster Foundation (TCF), to be recycled
for production of eco-pencils, which are then sold to the public and corporates to raise money to
support people with spinal cord injuries (paraplegics). The bank donates old newspapers quar-
terly to TCF as part of its support.
Joy Mulei of ABC Marketing (right) presents Mary Muriuki with her Valentines gifts.
ABC Bank for the second year running gave its Diaspora clients an opportunity to celebrate
Valentines Day with their loved ones back at home, by helping them buy and deliver gifts of their
choice to their door steps. Many were caught by surprise, making the experience unforgettable.
ABC Bank Group staff sing the National Anthem outside their offices, as one of the bank’s
initiatives to call for peace during and after the general elections, and in solidarity with the
Kenya Private Sector Alliance (KEPSA) “Mkenya Daima” peace campaign which invited Kenyans
to sing the National Anthem on 28th February at 1pm. The staff also shared peace messages
among themselves and with their stakeholders.

3. Q: What are the charges?
A: Normal M-pesa charges to send money apply, in addi-
tion to minimal charges charged by the bank depending
on the amount being transferred. Please contact our
customer service officers through Live Chat, email or
call, or visit any of our branches for details.
Q: What other M-pesa money transfer services does
ABC Bank offer?
A: In addition, the Bank offers the following:
• Retail M-pesa – This is a person to person Mon-
ey Transfer service that allows individuals within
the Safaricom network to send and receive funds
through their phones.
• Super agency – Through this facility, M-pesa agents
can purchase bulk float which they can then resell
to individuals
• Pay bill – This service enables our customers to re-
ceive payments from their distributors and custom-
ers via M-pesa, credited to their accounts
• Bulk M-pesa – This service allows clients to send
money to several individuals via one transaction,
taking away the hassle of carrying our numerous
transactions
Q: What other money transfer services does ABC Bank
have?
A: The bank has various options of local and internation-
al money transfer services. This is through partnerships
with international MTS companies like Western Union,
Ria Money/Euronet, Instant Cash and Exchange 4 Free
(E4F) .
For any enquiries, contact us on
talk2us@abcthebank.com
ABC Group News
Your M-pesa account, straight into your
ABC Bank account
ABC Bank has launched a service that allows its custom-
ers to transfer funds from their M-pesa accounts into
their ABC Bank accounts, allowing them more conve-
nience in managing their money.
ABC Vision’s Q&A with Amanda Corline, Head of Retail
Banking
Q: Describe what this new service offers ABC Bank cus-
tomers
A: The M-pesa Pay Bill service gives ABC Bank custom-
ers the convenience of transferring funds from their
M-pesa account straight into their ABC Bank accounts,
through the M-Pesa pay bill number 111777.
Q: What are the limits in transfers?
A: Customers are allowed deposits of between Kshs.10
and Kshs. 70,000 into their Current or Savings accounts
where the amount will be credited within 24 hours. This
service is however not available for credit into fixed ac-
counts or loan accounts.
Q: How do customers access this service?
A: These are the five easy steps to deposit money:
1. Select pay bill function from their M-pesa menu
on their mobile handsets and key in Business
Number 111777
2. Key in their full ABC Bank Account number
3. Key in the amount to be deposits
4. Key in their M-pesa PIN and before accepting
the transaction, reconfirm their account number
and amount
5. Accept the transaction
Send your love back home quickly and safely.

4. ABC Bank focuses on top-line growth
ABC Bank Group has continued to record growth across
its business, with its balance sheet growing by 56.8 per-
cent to Kshs 19.7 billion for the year ending 31st Decem-
ber 2012, from Kshs 12.6 billion recorded in 2011.
In 2012 it re-engineered its processes across the busi-
ness to make them more efficient, and re-designed its
products and services to increase their market appeal,
especially to Small and Medium Enterprises (SMEs).
The Group has now rolled out a 5-year Strategic Plan to
2017, which lays down a firm foundation of its growth in
the next five years. This entails aggressively working to-
wards growing its market share as it shifts its strategic
focus to top-line growth, by leveraging on the initiatives
and investments it made in 2012 across the business.
“This long term strategy will give us ample time to de-
sign, execute and evaluate the outcome of all our ini-
tiatives, as we work towards achieving our Vision of
becoming the financial service provider of choice in the
East African region,” said Mr Shamaz Savani, the ABC
Bank Group Managing Director.
In an effort to tap into the synergies of the Group of
companies, the Group increased its shareholding in ABC
Capital Bank Ltd, Uganda, in 2012, making it a subsidiary
from an associate.
In 2012, the Group also entered into partnerships with
a number of organizations, aimed at driving acquisition
of new business. This included signing Memorandum of
Understanding (MOUs) with Export Processing Zones
Authority (EPZA) to support businesses in the export
and import sector; Investeq Capital Ltd and the Ministry
of Education to facilitate free learning.
The Group’s customer deposits grew by 48.7 percent to
Kshs 15.5 billion in 2012 from Kshs 10.4 billion reported in
2011. Its net loans grew by 43.3 percent to Kshs 10.1 bil-
lion in 2012, up from Kshs 7.1 billion in the previous year.
The Group’s profit before tax increased to Kshs 526 mil-
lion in 2012 from Kshs 508 million recorded in 2011.
ABC Bank introduces e-statements and
email transaction alerts
Did you know that ABC Bank customers receive email
alerts for various services from the Bank?
In a bid to enhance customer service, ABC Bank has re-
vamped its online system to enable customers receive
their statements and transaction alerts via email, at no
cost.
The service launched in January, comes as ABC Bank
diversifies its technology channels to allow customers
more flexibility in accessing banking services, including
customer service.
Now customers have an option of subscribing to re-
ceive their statements through their email addresses.
Alerts will also be sent to customers to remind them to
collect their new cheque books every time they apply
for them and are ready for collection.
It is also an effort by the bank to cut down on environ-
mental pollutions as it encourages customers to ‘go
green.’ Customers will still have a choice to receive
printed statements via their post office box.
For more information, contact us on
talk2us@abcthebank.com
ABC Group: Financials ABC Group: What’s New

5. The Bank has a dedicated staff waiting to respond to all
customer queries.
TALK TO US TODAY VIA:
Email: talk2us@abcthebank.com
Facebook: www.facebook.com/abcthebank
Twitter: www.twitter.com/ABCBankKenya
Website: www.abcthebank.com
Telephone: +254 (20) 4263000
ABC Bank upgraded internet banking is
here
As part of continuous improvement of its service offer-
ing to meet changing customer demands, ABC Bank is
upgrading its Internet Banking platform to incorporate
more customer focused features.
This new technology, to be launched in the second
quarter of the year, presents enormous benefits for
all the bank’s customers, whether corporate, retail or
Small and Medium Enterprises (SMEs), including offer-
ing enhanced security of access and transactions, and
improved functionality.
“We have invested extensively in ensuring that the sys-
tem is one of the most secure available in the market,”
said Mr Deviinder Gupta, ABC Bank Group CEO. “The
system also comes with many revolutionary features
which our customers will find attractive.”
The new internet banking platform is also far more user
friendly with easier navigation, and comes with an on-
line help/user manual at the click of a button! Custom-
ers can also carry out transactions in real time, avoiding
any delays or inconveniences.
You are the reason we came to work today
ABC Bank is committed to delivering services in a way
that puts our customers first. That is why the Bank has
developed new communication platforms, as well as
streamlining the existing ones to offer customers an ex-
tra-ordinary customer experience.
ABC Group: What’s New
ABC Bank’s Retail Banking Relationship Manager Milkah Muriithi (right)
and Ruth Muturi a Relationship Officer, compare notes when the Bank
sponsored the launch of Triple P, a company that will promote the local
music industry by use of the digital media. During the event, the Bank
was also able to interact with various individuals and institutions to
understand their banking needs.

6. Going forward, all things being equal, we see the mar-
ket upward trajectory continuing but at a slower pace in
the short-run before resuming a fast growth.
For any questions or comments Email:
Patrick.ngugi@abccapital.co.ke
Rising import bill, Euro crisis cast dark
shadow over shilling
Kenyan consumers should expect a fresh surge in infla-
tion as the economy reckons with uncertainty in Europe
and a widening trade deficit that is weakening the shil-
ling.
A survey conducted by Central Bank of Kenya (CBK) re-
cently indicates that business leaders, including bank
executives expect the Eurozone crisis and the growing
import bill to erode the shilling’s value in the coming
months pushing up the cost of imported goods such as
oil.
“Overall the exchange rate is expected to remain stable
but with a tendency to weaken due to current account
pressure from a high import bill and uncertainty in reso-
lution of the Eurozone crisis which has affected the lev-
el of tourist arrivals,” the CBK’s Monetary Policy Com-
mittee’s (MPC) Market Perceptions Survey conducted
in February says.
“We expect the shilling to remain under pressure be-
cause of the underlying economic and political condi-
tions. This could see the shilling depreciate to above
Kshs 90 to the dollar this year,” the report says.
Kenya’s current account deficit rose by 36 percent or
$4.5 billion in 2012 saddled by a steep surge in the value
of imports. The country exported $6.13 billion worth of
goods against $16.3 billion worth of imports leaving $10
billion gap.
The stock market: Political risk will be
minimal
By Patrick Wairagu, ABC Capital Limited
The Nairobi Securities Exchange (NSE) grew steadily
over the first two months of 2013, with the NSE 20 share
index recording a 9.4% growth, and many of the count-
ers gaining positive territory over this period.
The impressive growth in an electioneering period can
be attributed to favourable economic fundamentals i.e.
low inflation and interest rate regime, continued confi-
dence by foreign investors demonstrated by their high
level of participation in the market.
In addition the market anticipates the announcing sea-
son of the 2012 company results will bring with it good
tidings for investors particularly in the banking, insur-
ance, investment, commercial, construction and manu-
facturing sectors.
ABC Group: Financials
The NSE 20 share index recorded a 9.4% growth in
the first two months of 2013 with many of the count-
ers gaining positive territory over this period
+254 (20) 4263000
talk2us@abcthebank.com
www.facebook.com/abcthebank
@abcbankkenya
www.abcthebank.com