Exim EXIM JOURNEY – Key Milestones

Second Strategic “Number One Bank in IFC- “Women overseas subsidiary in Customer Care” by the KPMG Entrepreneur Finance Banking Survey, 2013 Programme” “Best Workplace Best Practice Environmental Practices for Training Award 2013 Introduced First and Development” in the 5.8% Stake in Visa East Africa CSR Awards Crossed TZS 1 Trillion asset NMB mark Best Presented New Core Banking Introduced Financial System ‘Intellect’ 2013 First Master Statements NBAA Card Credit - 2008 and 2009 2011 Card in Times / IFC CB – CFC Bank, Deutsche 2009 2014-15 Bank From NORFUND 2012 Loan From – 2010 5th Largest bank in Tanzania IFC & 2004-07 PROPARCO Total Branches – 34 Stake in State of Art

Tanzania Exim 2008 Total Asset – USD 640 Mn Mortgage Academy for

Incorporated 2002 Refinance Training First Overseas Total Equity– USD 104 Mn First Branch in Company 2003 Subsidiary - Tanzania USD 15 Mn Customers – 500,000 Introduced loan from

First Debit - PROPARCO CB– PTA Bank “Sustainable Total Staff Strength - 750 Master , VISA 2001Introduced & HSBC Bank of the Platinum & Banking Started Year 2008 Partner with DEG -USD 20 Mn Credit Card in Software “MONEYGRAM” Award” by Loan 1997 TZ “FLEXICUBE” Money Transfer Financial “CB “– Correspondent Bank

Services Times / IFC Presence

Tanzania Comoros Djibouti Branches ATMs Extension Counters

Tanzania 27 54 2 Comoros 5 7 0 Djibouti 2 1 0 34 62 2

• 10 Branches across • Established in • Established in 2010 2007 • 2 Branches across Horn • 17 branches • Has 5 branches of Africa’s country. strategically located in connecting the • Strategically positioned upcountry business in the country with Indian Ocean opportunities such as; Islands good FDIs flows, entry / • Economy is mostly exit point for Ethiopia, import oriented logistics (ports) and transit (to and from Ethiopia) • Link between Africa and Asia / Europe The Vision and Strategy

Retail Banking . Focus on expanding its market share in the region . Using innovative products to maximize Vision customers satisfaction . increasing market share by 50 % on To Be Bank Of Choice In Customer deposits by 2016 vs 2013 Tanzania Corporate & . Cross selling products to tap business in the Investment region Banking . Using the established regional branch network to connect businesses inside and outside the region . To become the bank of choice for businesses Mission Treasury • Product diversification to capture the To Remain An increasing demands for Import & Export Innovative Tanzanian clients Bank Offering Service • To be among top 5 treasuries in TZ by 2016 Of International Regional • To continue establishing foot prints across Standards Perspective region’s strategic locations • To be a truly International Class Regional bank! EXIM Business Units

Business Units

Corporate & Treasury Retail & SME Investment Institution Banking Function Banking Banking

. Export/Import bills for . Merchant Spot . Wide Range of . Project Appraisal collection across the and Derivates customized . Fund Syndication globe . Interbank Products . M&A / PE Advisory . Letter of credit (LC) Derivatives . Internationally Debit . Equity Capital issuance/advice . Interbank Card and Credit Market advisory services proprietary (spot) Card in association . Bank Guarantee with Master . Pre-Shipment /Packing Card/Visa. Credit Finance against confirmed orders/LCs. . Digital banking

EXIM Group Financial Highlights

PARTICULARS Dec, 2012 Dec, 2013 Dec, 2014 USD Million Total Asset 480 568 564 Total 216 266 274 Total Deposits 360 394 370 Shareholders Fund 57 80 99 PBT 8 9 13

NIM % 5.0% 4.1% 5.0% Non Interest Expense to Gross Income 40.7% 43.4% 45.7% Return on Assets 2.1% 2.1% 2.4% Return on equity 18.1% 16.9% 19.4% Non Performing Loans to total Loans 13.0% 8.9% 5.8% Capital Adequacy (Tier I+Tier II) 14.9% 13.6% 15.1% Growth on Shareholders Fund 22.0% 43.0% 24.0% Key Performance Metrics

INCOME GROWTH PROFIT AFTER TAX ‘000 USD SHARE HOLDERS FUNS '000 USD

1,20,000 12,000 Nonfunded 1,20,000 Income 10,000 80,000 8,000 90,000

6,000 60,000 40,000 4,000 30,000 2,000 - - - 2010 2011 2012 2013 2014 2010 2011 2012 2013 2014 2011 2012 2013 2014 Proven Track Record

Great growth record (i.e. CAG) over the past 5 years

A Growing . Total Assets consistently increased to reach US$ 672 million in Bank Dec-14 . Shareholders’ fund growth rate of 20% to US$ Million . Deposits growth rate of 4.9% to US$ 452 Million . Loans growth rate of 9.2% to US$ 331 Billion

. Net Interest Income CAG rate of 14% Well diversified . Non funded Income CAG rate of 16% Income streams . FX trading Income CAG rate of 16% . Alternate delivery channels game changer onto meeting customers’ needs Proven Track Record

. Financial relationship with international lending agencies of Key repute namely IFC, PROPARCO, DEG, FMO and relationships NORFUND. . A member of the Global Banking alliance for Women (GBA).

. 1st Customer Care in Tanzania 2012 (KPMG ). . Short listed among top five retail in Africa in the prestigious African Bankers Awards held in Marrakesh, Morocco (2013 ) Sustained . Awarded for Best Practice Environmental Award 2013 Recognitions . Amongst top 3 ‘Sustainable banks of the year’ by FT/IFC (2011) . Awarded for Best Presented Financials statement in the banking Sector Category- 2009 by National Board of Accountant and Auditors (NBAA).

. 1st to introduce Credit Cards in Tanzania Pioneering . 1st to introduce Mobile ATM in the Country. initiatives . 1st to establish a banking subsidiary overseas. Professional and talented team to serve you:

. Competent and professional staff ready to serve you . Continuously In house training at ‘The Exim Academy’ . Recruited from the global platforms . 50/50 gender maintained (368 female out of 750 employees)

Our Customers

Government Institutions . Ministries and departments of the Tanzanian government . Maintains accounts for special government projects

. Local Based companies Corporates . Foreign companies with operations in the region

. Local based commercial and investment banks Financial Institutions . International banks with business links in the country

NGOs . Serves all local and international NGOs

. Offers specialized products to SMEs across various sectors SMEs in the country . Links SMEs (Importers/Exports) with the external world by facilitating their international transactions

Individuals . Both Local and foreigners . Served from all our strategically placed branches and electronic platforms An Overview of Financial Sector In Tanzania

The banking Industry

. 70% of total assets in the financial system. . In reforms since liberalization of financial sector in late 1990’s. . Great opportunities due to unexploited customers’ base and technological innovations . Total Assets US$ 13.5 Billion as of Dec-14

. Largest 5 banks by assets size . Control over 510% of total industry assets with over US$ 7.02 billion Market Leaders . Combined profit of US$ 185 Million (75% of total Market profit) . Has combined branch network of 370 branches (over 70% of industry network)

. 8 Banks Including (T) Ltd. . Very innovative and fast growing banks Other Big Banks . 5 of them are international banks with oversea parents . Controls 30% of the total industry assets with over (US$ 3.6 Billions)

NMB & CRDB 40% BANKS EMAINING TOP 8 OTHER SMALL BANKS An Overview of Financial Sector In Tanzania

Total Assets Total Dep. PBT PAT CRDB 1 1 2 2 NMB 2 2 1 1 (T) 3 3 3 3 The Ranking National Bank of Commerce 4 4 6 6 of top 10 banks Exim Bank (T) Ltd 5 5 6 6 (T) 6 6 5 5 (Dec-14) Citibank (T) 7 7 4 4 Barclays (T) 10 10 9 9 (Tanzania) Limited 9 8 8 7 Diamond Trust Bank (T) 8 9 7 8

. Small savings and credits societies across the country Micro financial Institutions . Regulated through the . In 2014 total Loans portfolio amounted to US$ 1.4 Billion

. Recognized as the best growing market in Africa by Dar Es Salaam Bloomberg/CBS/Thomson Reuters (2014) with 27% annual Stock Exchange growth . 22 companies with Current market capitalization of US$ 12.8 Billion . 2nd largest bourse in the region after NSE Our Edge

We have an edge in Which enables us to offer And leads to

Complete, end-to-end Funding Enhancement of value for client Strong Management Bandwidth solutions to clients at all levels at the corporate level and for and speed of execution stakeholders at large

Thorough analysis and research to Long term partnerships with our Knowledge of Local Market help clients take informed and Clients rational decisions

Our knowledge about the local regulatory environment Faster Turnaround Time

International Relationship and Innovative fund raising solutions Management Experience both domestically and internationally in debt, equity and hybrids Board of Directors

Mr. Said Mwema, • Managing Partner at Said A. Mwema Advocates, Tanzania based law firm. Served in various Chairman positions including Inspector General of Police, Head of Interpol Sub-regional Bureau – Nairobi and a Board Member to Tanzania National Parks Authority. Mr. Yogesh Manek, • Promoter of Mac Group, one of the largest business conglomerates of Tanzania across a Director diversified spectrum including FMCG and Insurance sectors. Member of various Trade, Business Councils and Social Welfare organizations in Tanzania. Mr. Thomas • Career Banker and Managing Director of Africa Finance & capital, a financial consulting and Wescott, Director advisory firm. • Worked more than 25 years in HSBC focusing on Sub Sahara region Mr. Sherazam • Partner at Sabre Capital, London based emerging private equity fund. Prior experience in Mazari, Director Standard Chartered as CEO, Africa region, Regional Head (Consumer Banking Korea), Head Consumer Banking Middle East. Also worked in Citi bank in various senior roles Mr.Hanif Jaffer • Chairman of Infinite Vision Limited, a Company dealing in Information Technology and Business Director Solutions. • Founding member of Exim Bank, he played an anchoring role in its formative years as a fulltime Resident Director. Executive Director of Intra Business Network a group of Business Community of 18 African Countries. Mr. Shaffin Jamal • Chairman of Unit Trust Investments, one of the leading companies with interest in Director Manufacturing, Mining, Hospitality. Chairman of Alliance Insurance Corporation and Hotels Ambassador Dr. • Lawyer by training and has had a varied career which has spanned banking and diplomacy. Juma Mwapachu Served as Secretary General, , Tanzania's Ambassador to France, Director Chairman of Parastatal Boards including Tanzania Railways, Tanzania Investment Bank etc. Mr. Pascal • A banker & economist, has served the National Bank of Commerce for 25 years rising to level of Kamuzora General Manager before being transferred to BOT, Instrumental in setting up institute of bankers. Also served on board of various banks and advisory councils. Our Partners and Affiliates The Eximite Staff Magazine