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Capitalisation Key Strategic Developments 2012 Financial Results 2013 Financial Forecasts

PRESENTATION OUTLINE. Capitalisation Key Strategic Developments 2012 Financial Results 2013 Financial Forecasts Dividend Declaration Q & A. GROUP CAPITALISATION. CBZ BANK CAPITALISATION. Key strategic developments. Key strategic developments. Share buy back

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Capitalisation Key Strategic Developments 2012 Financial Results 2013 Financial Forecasts

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  1. PRESENTATION OUTLINE Capitalisation Key Strategic Developments 2012 Financial Results 2013 Financial Forecasts Dividend Declaration Q & A

  2. GROUPCAPITALISATION

  3. CBZ BANKCAPITALISATION

  4. Key strategic developments

  5. Key strategic developments • Share buy back • 2.Product development and expansion • 3. Regulatory amendments • - Implementation of Basel II • -RBZ MOU • -Tax and Banking Acts • Focus on attraction of offshore lines of credit and investments • Improved consolidated/shared services

  6. 2012 Financial Results

  7. Consolidated Statement of Comprehensive Income

  8. Consolidated Income Mix

  9. Consolidated Statement of Financial Position

  10. Consolidated Asset Mix

  11. Consolidated Sectoral Analysis of Deposits

  12. Consolidated Analysis of Advances I

  13. Consolidated Sectoral Analysis of Advances

  14. Consolidated Ratio Analysis

  15. Consolidated Ratio Analysis Benchmark averages Cost to Income Regional 61% Local 72%

  16. Consolidated Ratio Analysis

  17. CBZ Bank -summarised results

  18. CBZ Life -summarised results

  19. CBZ Insurance –summarised results

  20. CBZ Asset Management - summarised results

  21. 2013 Financial Forecasts

  22. 2013 Financial Forecasts

  23. Earnings Guidance for 2013 • Diversification of income • Enhanced investment banking • Long term insurance • Increased credit lines – long term finance • Micro-SMEs - • Increased tenor - mortgage lending (Multilateral Institutions) • Quality of earnings • Cost control • Liquidity management • Compliance & effective tax planning

  24. Key Dividend Information

  25. QUESTION & ANSWER SEGMENT

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