4. $125m investment

5. $125m investment 12

6. $125m investment 12

7. $125m investment 12

8. $125m investment 12

9. $125m investment $600m Investor return 20% + IRR 12

10. Africa's profitability is one of the best kept secrets in today's world economy. Kofi Annan, former UN Secretary-General

11. African GDP growth Source: IMF WEO database, April 2011

12. African banking assets growth

14. Traditional Bank $1m+

15. $100 Traditional Bank

16. $1m+ $20,000 $100 Traditional Bank

17. $20,000

20. 2 years

21. 18 months $20,000

22. 30% growth 18 months

24. $130bn

25. $100bn $30bn

26. International players difficult to access $25bn

27. Traditional Banks aren’t interested $25bn

29. Traditional Bank

31. T-bills 12% International Bank

32. T-bills 12% Traditional Bank Corporates 15%

33. T-bills 12% Traditional Bank Corporates 15% High net worth 15%

34. T-bills 12% Traditional Bank Corporates 15% High net worth 15%

37. T-bills 12%

38. T-bills 12% Corporates 15%

39. T-bills 12% Corporates 15% High net worth 15%

40. Bonds 12% Multinationals 15% Local corps. 15% SMEs 20%

41. Bonds 12% Multinationals 15% Local corps. 15% SMEs 20% Unbanked

42. Bonds 12% Multinationals 15% Local corps. 15% SMEs 20% Housing finance Unbanked

44. Traditional Bank

46. Credit history Collateral

47. Traditional Bank Credit history Collateral

48. Traditional Bank Credit history Collateral

49. Cash flow Character Traditional Bank Credit history Collateral

50. Local and international partners Cash flow Character

51. Cash flow Character Local and international partners

52. Financial literacy Operational improvement Governance & mentoring Retention & rewards Cash flow Character Local and international partners

53. FINA BANK

54. FINA BANK 20 Loan officers

55. FINA BANK 2,000 SME’s 20 Loan officers

56. 6,000 SME’s FINA BANK 20 Loan officers

57. 6,000 SME’s FINA BANK 20 Loan officers 95% repayment

58. 6,000 SME’s FINA BANK 20 Loan officers 95% repayment 30% Per annum growth

61. $125m investment

62. 12 SDG Banks

63. $125m investment 5 million unbanked 12 SDG Banks

64. $125m investment 5 million unbanked $3.8bn in loans 12 SDG Banks

65. $125m investment 5 million unbanked $3.8bn in loans To 190,000 SME’s 12 SDG Banks

66. $125m investment 5 million unbanked $3.8bn in loans To 190,000 SME’s 1.4m jobs 12 SDG Banks

67. $125m investment 5 million unbanked $3.8bn in loans To 190,000 SME’s 1.4m jobs Investor return $600m. IRR 20%+ 12 SDG Banks

68. Do we have the people?

70. Private Equity 65+ years

71. Private Equity 65+ years Deals closed 59+

72. Private Equity 65+ years Deals closed 59+ Banking operations 97+ years

73. Private Equity 65+ years Deals closed 59+ Banking operations 97+ years Africa experience 98+ years

75. Do we have the opportunities?

77. $375m investments

78. $375m investments 41 deals

79. $375m investments 41 deals 17 countries

80. $40m

81. Next 6 months

83. Ghana

84. 22 26 Ghana

85. $265m assets 22 26 Ghana

87. 300 New loan officers Ghana

88. $150m 300 New loan officers Ghana

89. 300 New loan officers $850m Loan portfolio Ghana

90. 300 New loan officers 215,000 new jobs Ghana $850m Loan portfolio

91. 300 New loan officers 215,000 new jobs $3m profit Ghana

92. $40m 2017 300 New loan officers 215,000 new jobs Ghana $850m Loan portfolio

93. $100bn

94. 20% IRR

96. 1.4 million jobs