Ecobank Liberia UK-Liberia Investment Forum 2012 Draper’s Hall, London September 14, 2012

Ecobank Presence in 2012 Ecobank has Rep Offices in Johannesburg, South Africa; and in Luanda, Angola

New York Rep Office Beijing Rep Office London Rep Office Dubai Rep Office Paris Affiliate ECOBANK FUTURE PRESENCE

History Formative Phase Initial Expansion Phase Second Expansion Phase Third Expansion Phase International Expansion commences Consolidation & Optimization Founded in 1985 in Togo with shareholders from 10 African countries From countries in Africa 12 countries in Africa 30 countries in Africa 2 more African Countries Focus on Enjoys status of an International Financial Institution Shareholders include ECOWAS Bank for Investment & Development 1. Benin 2.Cote d’Ivoire 3. Ghana 4. Nigeria 5. Togo 6. Burkina Faso 7. Cameroon 8. Guinea 9. Liberia 10. Mali 11. Niger 12. Senegal 13. Burundi 14. Cape Verde 15. Central African Rep 16. Chad 17. Congo 18. D.R. Congo 19. Gabon 20. Gambia 21. Guinea Bissau 22. Kenya 23. Malawi 24. Rwanda 25. Sao Tome 26. Sierra Leone 27. South Africa 28. Tanzania 29. Uganda 30. Zambia 31. Angola 32. Zimbabwe International expansion 33. Dubai (UAE) 34. France 35. UK Performance Risk management & controls Customer service & Sales Technology & Process Improvements Capacity building 6 countries to go from 2012

Who we are Philosophy: An unshakeable belief in the future of Africa We take a long term view of Africa & African countries & will not consider pulling out if there is a political or social crisis, or if a subsidiary is making a loss. We seek solutions, overcome & learn from obstacles & challenges. Spirit: An independent spirit We have ensured & will continue to ensure that we are independent of any government, shareholder group, interest group or nationality. This is why we promote & embody diversity. We are a pan-African institution that believes in Africa. We do not have an African strategy, Africa is our strategy.

Who we are Soul: A positive soul that welcomes & promotes growth, supports economic development & the integration of Africa We believe that only Africans will ultimately develop Africa. Motto: Never give up This has been the rallying call for all we have achieved & for overcoming the challenges & obstacles to building a pan-African banking group. We will never give up on Africa.

Ecobank Vision To build a World - Class Pan - African Bank and to contribute to the economic development and financial integration of Africa

Mission To provide our Retail and Wholesale customers with convenient, accessible and reliable financial products and services

Serving more countries in Africa  Present in 32 African countries Middle Africa remains our focus  Real GDP growth of 4.9% between , above expected world growth of 2.9% in the same period  10% of world's oil reserves, 40% of gold reserves, 80-90% of chromium & platinum Unique service offerings  Market maker in African currencies in OECD  Distribution Desk for African Debt  Trade intermediation

Group Financial Highlights

Ecobank Liberia There are Nine (9) Banks in Liberia  Ecobank is the market leader with over 40% market share in: Total Assets - US$320Million Total Deposits - US$215Million Total Loans - US$104Million Total Shareholders’ Funds - US$29Million Total Customers – 205,691

OUR CREDENTIALS IN PROJECT FINANCING

LONDON  Product Specialist for Execution support  International distribution NigeriaWAMZUEMOAESACEMAC  Local/Regional Origination & Distribution  Strong partnership with regional DFIs (BOAD, BIDC, etc.) Ecobank Capital – CF&IB : Operating structure Local origination supported by central product specialists and a distribution hub Our Operating Model 13

London New York Paris Dubai Middle Africa China 10-man research team 4 people focused on distribution South Africa ● African investment banking team of 25 professionals with deep local knowledge and relationships located in Lagos, Yaoundé, Accra, Abidjan and Nairobi ● Strategic relationship with Nedbank for expansion of South African business into Middle Africa Treasury hub and distribution into Europe Distribution to Middle and Far East GEOGRAPHICAL COVERAGE: Locations 14

Introduction to Ecobank Capital – Our Investment Banking Business INVESTMENT BANKING  Loan Syndications  Bond Issue  Equity Issues  Commercial Paper Issue  Project Finance  Securitization  Loan Syndications  Bond Issue  Equity Issues  Commercial Paper Issue  Project Finance  Securitization CAPITAL RAISING & PROJECT FINANCE  Mergers and Acquisitions  Privatizations/Divestitures  Business Valuation  Due Diligence  Business Diagnostic Reviews  Industry Analysis and Research  Strategic Partner and Operator Search  Mergers and Acquisitions  Privatizations/Divestitures  Business Valuation  Due Diligence  Business Diagnostic Reviews  Industry Analysis and Research  Strategic Partner and Operator Search M&A and STRATEGIC ADVISORY 15

OIL & GAS TELECOMENERGYINFRASTRUCTURE AGRI-BUSINESSCOMMODITIES Introduction to Ecobank Capital – Our Key Target Market 16

Recent Infrastructure Transactions 17 CEMAC Region GABON DEMOCRATIC REPUBLIC OF CONGO CHAD CAMEROON CONGO CENTRAL AFRICAN REPUBLIC 17

Other Related Transactions: 2011 Deal Closures 18

EMEA Finance African Banking Awards Best Investment Bank in Cote D’Ivoire, Gabon, Chad and Cameroun Ghana Investment Awards Best Market Research and Best Performing Balanced Mutual Fund (iFUND) in Ghana. Euromoney Citation for arranging the Chad bond Africa investor (Ai): Best Africa Research Team Credentials: 2011 Awards 19

Awards

THANK YOU