1. HFC BANK (GHANA) LIMITED FACTS BEHIND THE FIGURES (YEAR END 2014) www.hfcbank.com.gh

3.  Operating income up by 56% to GH¢199 million.  Key Drivers YoY:  Strong growth in Trading Income  Resilient interest income, & fee and commission income

4. www.hfcbank.com.gh Key Drivers:  40% growth in Earning Assets: GH¢1,025million in 2014 (2013: GH¢734 million)  Higher Net Interest Margin: 12.11% in 2014 verses 10.98% in 2013 Key Drivers:  40% growth in Earning Assets: GH¢1,025million in 2014 (2013: GH¢734 million)  Higher Net Interest Margin: 12.11% in 2014 verses 10.98% in 2013

5. www.hfcbank.com.gh  Operating expenses up 69% to GH¢114 million  Key Drivers:  Interest Expense on Source of Funds.  Increase in staff expenses. The average number of staff during the year was 939 (2013: 723), comprising:  HFC Bank – 687  HFC Inv. – 22  HFC Realty - 12  HFC Boafo – 218  Impairment Charge for Loans.  Cost income ratio (CIR) was 57.11% compared to 52.80% in 2013.  Operating expenses up 69% to GH¢114 million  Key Drivers:  Interest Expense on Source of Funds.  Increase in staff expenses. The average number of staff during the year was 939 (2013: 723), comprising:  HFC Bank – 687  HFC Inv. – 22  HFC Realty - 12  HFC Boafo – 218  Impairment Charge for Loans.  Cost income ratio (CIR) was 57.11% compared to 52.80% in 2013.

6. www.hfcbank.com.gh  PBT up 41% to GH¢73.59 million.  PAT up 46% to GH¢57.42 million.  YoY performance boosted by higher revenues and efficiency gains.  ROE increased significantly to 29.40% verses 25.87% in 2013.  PBT up 41% to GH¢73.59 million.  PAT up 46% to GH¢57.42 million.  YoY performance boosted by higher revenues and efficiency gains.  ROE increased significantly to 29.40% verses 25.87% in 2013.

7. www.hfcbank.com.gh 20142013 ∆Y/Y Cash and Balances with Bank of Ghana 187,723,037 184,337,284 1.84% Government Securities 298,528,309 134,782,871 121.49% Loans & Advances to Customers 658,010,718 519,318,955 26.71%

8. www.hfcbank.com.gh  Gross customer loans were GH¢683.78 million, up GH¢140.3 million or 26%  Growth reflected ongoing strategic initiative, including improving effectiveness of credit origination, appraisal, approvals and turnaround times for credit extension

9. www.hfcbank.com.gh

15. HFC BANK (GHANA) LTD THANK YOU FOR YOUR ATTENTION