1. CRDB Bank Plc Investor Briefing As at 31 st March, 2014

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

3. About Us Leading, wholly-owned private commercial bank in Tanzania. Established in 1996. Listed on the Dar Es Salaam Stock Exchange on 17 th June, 2009. Offers corporate, retail, business, treasury, premier, insurance and microfinance services. Over 28,000 shareholders. 21.5% major strategic shareholder – DIF. 2,172 employees. Internet, mobile banking, Sim-banking and Agent Banking services. 3

4. About Us 107 branches, a subsidiary in Burundi and a microfinance subsidiary. 330 ATMs (320 Parent + 10 in Burundi). 13 mobile branches. 441 Microfinance Partners. 984 POS Terminals. 663 Agents – Service Centre. 37 Extended Counters – Post Offices. 1 Call Centre. 4

5. Branches 107 branches plus 441 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.

6. 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.

7. Financial Performance Summary as at 31 st March. 2014 Item31/03/2014 TZS millions 31/03/2013 TZS millions Change in (%) Total Assets3,711,3103,175,93116.9 Total Deposits3,109,0912,676,30016.2 Loans, Advances and Overdrafts 2,122,5281,749,04321.4 Shareholders’ Funds 400,365347,69915.1 Net Income (Loss) Before Tax ( group cumulative) 35,04835,735(1.9) Net Income (Loss) After Tax (group cumulative) 24,28426,111(7.0)

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

9. Summary of Financial Performance Trend Profit Trend-TZS Billions

10. Investment Ratios as at 31 st March. 2014 Share Performance (cumulative data) Market Price (closing) TZS 295.0 Earning per share (EPS) 11.0 Price Earning Ratio (P/E) 27.0 Book Value (BV) 183.9 Price book Value Ratio (P/B) 1.6 Market Capitalization (TZS billions) 642.1 Foreign Holding (%) 16.5

11. Investment Ratios Balance Sheet Data & Statistics– TZS. Millions 11

12. Financial Performance Trend Total Deposits-TZS Billions

13. Total Assets-TZS Billions

14. Capital / Shareholder’s fund – TZS Billions

15. Loan Portfolio-TZS Billions

16. Loan Portfolio by Sectors

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

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

19. Why Choose CRDB Bank  Sound procedures ensuring professional services to client  Clear Custody Agreements and SLA with our Clients  All information at 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

20. 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 Tel +255 737 205 857/+255 737 205858  Fax +255 736 502 850  Email: custodialservices@crdbbank.comcustodialservices@crdbbank.com

21. Shareholding Structure Each 10% in shareholding is entitled to one board seat. Current shareholding as at 31 st March, 2014. 21

22. NAME 31/03/2014 SHARES% Above 10% DANIDA Investment Fund467,781,93421.5 PPF Pension Fund217,401,74610.0 Sub Total685,183,68031.5 Above 1% and less than 10% SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Altree Custody Services Ltd - 008 - Tanzania56,305,4992.6 SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet and CIE A/C Blakeney General Partners III Ltd-TZ54,405,5782.5 LAPF Pension Fund48,397,9582.2 SCB (T) Nominee SCB Mauritius Re: Standard Chartered Kenya Nominees A/C Pinebridge40,072,4001.8 SCB (T) Nominees SCB Consumer Banking Re Mr. Aunali F. Rajabali and Sajjad F Rajbali40,000,0001.8 Western Zone Tobacco Growers Cooperative Union Ltd36,000,0001.7 SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet and CIE A/C General Partners IV Ltd-TZ35,282,3921.6 PSPF Pension Fund31,531,3501.4 CMG Investment Ltd29,588,9491.4 Hans Macha25,082,8001.2 SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re SCB Ghana A/C Epack Investment Funds Limited24,790,2401.1 Lindi Development Fund21,660,0001.0 SCB (T) Nominee Ltd Standard Chartered Bank (Mauritius) Re Pictet And CIE A/C Patrick Schegg21,230,3001.0 Sub Total464,347,46621.3 Less than 1% More than 28,000 shareholders1,027,001,01447.2 Grand Total2,176,532,160100 22

23. Thank you for listening 23