CRDB Bank Plc Investor Briefing As at 30 th June,

Outline  About Us  Summary of Financial Performance  Investment Ratios  Financial Performance Trend  CRDB Custodial Services  Shareholding structure 2

About Us Leading, wholly-owned private commercial bank in Tanzania. Established in Listed on the Dar Es Salaam Stock Exchange on 17 th June, Offers corporate, retail, business, treasury, premier, insurance and microfinance services. Over 28,000 shareholders. 21.5% major strategic shareholder – DIF. 2,352 employees. Internet, mobile banking, Sim-banking and Agent Banking services. 3

About Us 118 branches, a subsidiary in Burundi and a microfinance subsidiary. 335 ATMs (325 Parent + 10 in Burundi). 13 mobile branches. 450 Microfinance Partners. 984 POS Terminals. 845 Agents and Service Centres. 37 Extended Counters at Post Offices. 1 Call Centre. 4

Branches 118 branches plus 450 Partner Microfinance Institutions (MFIs). Present in every region in Tanzania and 3 branches in Burundi. Up to district level in some regions. Online inter branch communication through branches linked via satellite. 5

Vision: To be the leading Bank, which is customer need driven with competitive returns to shareholders. Mission To provide competitive and innovative financial products and services leveraging technology to achieve distinctive customer experience. We strive to create value for stakeholders and the society. 6

Financial Performance Summary as at 30 th June, 2014 Item30/06/2014 TZS millions 30/06/2013 TZS millions Change in (%) Total Assets4,029,6663,145, Total Deposits3,324,5862,636, Loans, Advances and Overdrafts 2,223,2671,779, Shareholders’ Funds 386,211334, Net Income (Loss) Before Tax ( group cumulative) 58,81862,206(5.4) Net Income (Loss) After Tax (group cumulative) 40,60743,029(5.6) 7

CRDB Summary Financial Performance 8 All figures in Tshs Billions Foreign Exchange IncomeFees & Commissions IncomeNet Interest Income Operating IncomeNet IncomeNon-Interest Expense

Summary of Financial Performance Trend Profit -TZS Billions NB: The drop in 2011 was caused by malfunctioning of the foreign exchange trading computer system. The anomaly was realised only after year-end processed and rectified (see 2011 Annual report page 9). 9

Investment Ratios as at 30 th June, 2014 Share Performance (cumulative data) Market Price (closing) TZS Earning per share (EPS) 18.0 Price Earning Ratio (P/E) 17.8 Book Value (BV) Price book Value Ratio (P/B) 1.8 Market Capitalization (TZS billions) Foreign Holding (%)

Investment Ratios Balance Sheet Data & Statistics– TZS Millions 11

Financial Performance Trend Total Deposits-TZS Billions 12

Total Assets-TZS Billions 13

Capital / Shareholder’s fund – TZS Billions 14

Loan Portfolio-TZS Billions 15

Loan Portfolio by Sectors 16

CRDB Bank Custodial Services  Safekeeping of Financial Securities  Transaction Processing, clearing and settlements  Collection of Income on Investments  Corporate Actions - One Stop Information Delivery  Securities Valuation and Reporting  Foreign Exchange trading  Proxy Voting  Tax reclaim facilitation 17

Who do we Serve  Unit Trust Schemes  Fund Managers  Pension Funds  Foreign Portfolio Investors  Financial Institutions  Insurance Companies  High Net-Worth Individuals  Brokers/Dealers  Global Custodians 18

Why Choose CRDB Bank  Sound procedures ensuring professional services to client  Clear Custody Agreements and SLA with our Clients  All information at a glance  Enjoy value of valuation reporting  Reliable and Efficient Information Systems (Custody 2000)  Relationship Management  Long experience in Capital Market Operations  Understanding of the local environment and regulations 19

Competitiveness  Competitive package tailored to client needs  Charges based on Asset Value  Cash and Securities Statement delivery as you may require  Always open for negotiation Contacts Mr. Charles Itembe Senior Manager Custodial Services Ms. Ziada Yusuph Senior Custodial Officer Tel /  Fax  20

Shareholding Structure Current shareholding as at 30 th June, Each 10% in shareholding is entitled to one board seat. 21

NAME 30/06/2014 SHARES% Above 10% DANIDA Investment Fund467,781, PPF Pension Fund217,401, Sub Total685,183, Above 1% and less than 10% SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet and CIE A/C Blakeney General Partners III Ltd-TZ66,205, SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Altree Custody Services Ltd Tanzania56,305, SCB (T) Nominee SCB Mauritius Re: Standard Chartered Kenya Nominees A/C Pinebridge51,872, LAPF Pension Fund48,397, SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet and CIE A/C General Partners IV Ltd-TZ44,982, Western Zone Tobacco Growers Cooperative Union Ltd36,000, PSPF Pension Fund31,531, CMG Investment Ltd29,859, National Health Insurance Fund25,280, Hans Macha25,082, SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re SCB Ghana A/C Epack Investment Funds Limited24,790, Lindi Development Fund21,660, SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet And CIE A/C Patrick Schegg21,230, Sub Total483,198, Less than 1% More than 28,000 shareholders1,008,150, Grand Total2,176,532,

Thank you for your attention. 23