Abch analyst presentation 31 dec 2010 v5-final-14_march_2011

1. BancABC Full Year Financial Results 201014 March 2011

3. Economic overview

4. Financial review

5. Operational overview

7. Financial Highlights 4 BancABC Full Year Financial Results 2010

8. Financial Highlights (cont’d) 5 BancABC Full Year Financial Results 2010

9. Operational Highlights 6 BancABC Full Year Financial Results 2010

10. ECONOMIC OVERVIEW Douglas Munatsi

11. 8 Economic Overview BancABC Full Year Financial Results 2010

12. 9 Economic Overview

13. Economic Growth Outlook & Size of Markets (USD m) 10

14. Economic Growth in ABC Markets 11 BancABC Full Year Financial Results 2010

15. ABC Markets Banking Sector Landscape As of Oct-10 12 * * GDP for 2010 * As of Dec-10

16. Banking Sector Deposits and Loans 13 BancABC Full Year Financial Results 2010

17. 14 Annual Inflation Trends BancABC Full Year Financial Results 2010

18. Interest Rate Profiles 15 BancABC Full Year Financial Results 2010 Source: Respective Central Banks

19. 16 Exchange Rate Movement vs. USD BancABC Full Year Financial Results 2010

20. 17 BWP vsExchange Rates Ex Rate Movement of BWP against Foreign Currency Depreciation Appreciation

21. FINANCIAL REVIEW Beki Moyo 18

22. Income Statement 19

23. Income Statement (USD) 20

24. Attributable Profit Trends 21

25. Income Statement – Segmental Analysis 22

26. Income Statement – Segmental Analysis (USD) 23

27. Income Statement – Net Interest Income Positive trend in net interest income driven by increased margins, better liquidity and increased balance sheet size Impairments were largely under control improving net margins after impairments 24

28. Income Statement – Segmental Analysis Mozambique affected by exchange and interest rate volatility 25

29. Income Statement – Impairments & NPLs Impairment and credit loss ratios declined Credit losses declined sharply owing to improved credit risk management Net NPLs covered by collateral Overall NPLs have now stabilised 26

30. Income Statement – Non-Interest Income 27

31. 28 Income Statement – Non-Interest Income

32. Income Statement – Cost to Income Ratio 29

33. Income Statement – Staff Costs 30

34. Retail Banking CAPEX 31

35. Balance Sheet 32

36. Balance Sheet (USD) 33

37. Balance Sheet – Overview 34

38. Balance Sheet – Loans and Advances 35

39. Balance Sheet – Deposits 36

40. Balance Sheet – Capital Adequacy 37

41. OPERATIONAL OVERVIEW Francis Dzanya 38

42. Operations Summary 17 Retail branches as of now Staff compliment now 39 ABCH Group 693 Employees Botswana Mozambique Tanzania Zambia Zimbabwe South Africa BancABC Botswana 106 Employees BancABC Mozambique 102 Employees BancABC Tanzania 81 Employees BancABC Zambia 125 Employees BancABC Zimbabwe 232 Employees BancABC South Africa 47 Employees 100% 100% 100% 100% 81% 100%

44. Botswana Highlights 42 BancABC Full Year Financial Results 2010

45. Mozambique Highlights 43 BancABC Full Year Financial Results 2010

46. Tanzania Highlights BancABC Full Year Financial Results 2010 44

47. Zambia Highlights 45 BancABC Full Year Financial Results 2010

48. Zimbabwe Highlights 46 BancABC Full Year Financial Results 2010

49. STRATEGY AND OUTLOOK Douglas Munatsi

55. Convert wholesale banking customers to retail bankBancABC Full Year Financial Results 2010

61. Dividend declaration 50

62. Outlook 51 BancABC Full Year Financial Results 2010

63. THANK YOU