African Banking Corporation - A Profile

Rating : A2 (Short term) | BBB (Long term)

“Empowering you to achieve the extra ordinary” www.abcthebank.com ABC Bank is regulated by the of Contents

About ABC Bank ...... 3 Our Group Companies ...... 4 Mission, Vision & Core Values ...... 5 Important Milestones ...... 6 Awards and Accolades ...... 7 ABC Bank Group Structure ...... 8 Board of Directors ...... 9 Senior Management Team...... 10-11 Business Units ...... 12 Products and Services ...... 13 Partnerships...... 14-16 Key Events 2015 - 2016 ...... 17-20 Performance Overview ...... 21-27 Branch Network ...... 28 Why ABC Bank ...... 29

African Banking Corporation Limited 2 About ABC Bank

We are a mid-sized, award-winning indigenous bank with over 30 years of experience. We believe in personal growth and development: where you are today should only be a launch-pad to greater things tomorrow. We are willing and eager to take the growth journey with you as your dependable financial partner. As per our vision, “empowering you to achieve the extraordinary,” we would like you to believe that nothing is beyond your reach, with ABC Bank as your financial partner.

Our Branch network: We have 12 branches countrywide:

Nairobi: • Westlands • Koinange Street •Industrial Area •Libra House on Mombasa Road Opened in 2016: • Thika Road Mall (TRM) • Greenhouse Mall (GHM) on Ngong Road

Upcountry: • Mombasa • Kisumu • Meru • Eldoret • Lamu • Nakuru

ABC Bank has carved a special niche in providing focused financial services and solutions to a wide range of clients who include individuals, Small and Medium Enterprises, Corporate organizations, Saccos, Learning Institutions, Religious institutions and service providers for various economic sectors. We facilitate efficient service to our business clients through innovative, customized financial solutions, emphasizing our main strengths in asset finance, trade finance, international and local remittance solutions, invoice discounting, overdrafts and term loans. We also have a variety of banking solutions that are flexible and focused on meeting the specific financial needs of our individual customers in each economic sector of East Africa.

ABC Bank Group Companies - ABC Bank - Kenya, ABC Capital Bank – , ABC Capital Limited and ABC Insurance Brokers.

African Banking Corporation Limited 3 Our Group Companies

ABC CAPITAL LTD ABC Capital is a leading stock brokerage company in Kenya offering a flexible range of world class wealth management services to investors in the East Africa region. As a member and shareholder of the Nairobi Securities Exchange (NSE) since inception in 1954, the firm has shared a rich heritage in the fortunes of one of Africa’s leading stock markets. ABC Capital was acquired by African Banking Corporation Limited (ABC Bank) in 2008. Thus ABC Capital immediately benefited from ABC Bank’s professionalism and key competencies of relationship management and expert approach in terms of its operations embodied in the ISO 9001:2008 certification awarded to the bank in January 2008. This makes ABC Capital’s client experience, provided through the bank’s branch network, exceptional.

ABC INSURANCE BROKERS LTD Previously known as Flagship Insurance, ABC Insurance Brokers (ABCIB) is a member of the Association of Insurance Brokers of Kenya (AIBK) and is registered by the Insurance Regulatory Authority (IRA). ABCIB offers a wide range of comprehensive products such as motor vehicle, fire, computer, marine, burglary, and life insurance. Other products include work injury benefits (WIBA) compensation, mortgage protection, bonds and domestic package insurances. ABCIB has been in existence for over 22 years, and has a strong team of experienced professionals, guided by the company principles of customer-centricity, integrity, credibility and accountability; to meet individual and family insurance needs, as well as a variety of business insurance products.

ABC CAPITAL BANK UGANDA The Bank started its journey in 1993, as a deposit taking financial institution then trading by the name Capital Finance Corporation Limited, licensed and supervised by under the Financial Institutions Act 2004. In 1999, in order to diversify its products range, the institution applied to the Bank of Uganda for a Forex Bureau License which allowed it to establish a fully owned subsidiary under the name Capital Finance Corporation Forex Bureau. With this solid background, Capital Finance Corporation Limited looked forward to the next momentous step of converting into a fully fledged . As advised by Bank of Uganda, Capital Finance Corporation Limited sought a strategic banking partner and identified one in ABC Bank, a fast growing, Kenyan-incorporated private bank of 25 years. Through the tireless efforts of the Directors of Capital Finance Corporation Limited, and after adhering to all the formalities and stringent requirements of the Bank of Uganda, ABC Capital Bank Limited Uganda came into being. It was licensed by Bank of Uganda as a commercial bank on 26th February 2010. With a four branch network in Uganda, the Bank is aggressively growing both in retail as well as corporate banking business.

African Banking Corporation Limited 4 Our Vision, Mission & Core Values

OUR VISION Empowering you to achieve the extraordinary

OUR MISSION

To nurture long lasting relationship with all our stakeholders through innovative value adding financial solutions and services that help them realize their objectives

OUR CORE VALUES

• Customer Centricity • Professionalism • Team work • Excellence • Commitment

OUR GOAL

To be East Africa’s leading bank in innovation, Products & Process transfer and customer delight!!

African Banking Corporation Limited 5 Important Milestones

2016 • Opened Thika Road Mall and Green House Mall branches • Think Business Special Award for Product Innovation (County Revenue Collection)

2015 • ABC Insurance Brokers , an ATI approved agent,2014 acquired • First Bank to launch new Money Transfer service- Transfast • Successful 1Bn Bond issue - 157% subscription recorded • Signed MOU with East African Exchange (EAX) establishing • Rating upgrade by GCR from A3(KE) to A2(KE) e-trading in commodities • Launch of Agent Banking with Post Bank (99 outlets) • Established business relationships with counties and saccos and 890 Mashinani Agents countrywide • Maintained Stable rating by GCR : A2(KE) • Commencement of SACCO partnerships & collaboration 2012 2008 • ABC Capital Bank, Uganda formally added to the fold • ABC Capital Ltd(Kenya), a brokerage firm, acquired • The First bank in Kenya to receive a Euro 7m credit facility for • The first bank in Kenya to receive full ISO certification onward lending to SME’s from the European Investment Bank (EIB) ( ISO 9001:2008)

2007 1995 • Business model realigned into SBUs: Corporate, • CFC Ltd transformed into ABC Bank Business & Retail Banking 1984 • Opening of “Consolidated Finance Company Ltd (CFC Ltd), Nairobi Kenya”

African Banking Corporation Limited 6 Awards & Accolades

2016 2014 2013 2012 Think Business Awards Champions of Governance Champions of Governance Awards Best Bank Award •Special Award For Product Innovation Award 2014 •Finance & Investments Sector Tier III – 1st Position - County Revenue Collection •1st Runners-up Overall 3rd Position Best Bank in SME Banking and Management Solution • 1st Runners-up in the Finance The Banking Awards - 3rd Position and Investment Category •Fastest growing Bank – 2nd Position Best Bank in Product Innovation •First non listed bank to win •Best Bank in product Innovation - 3rd Position 2015 Champions of Governance award (M-Transfer)– 3rd Position The Banking Awards The Banking Awards •Best Bank in technology use •Best Bank in Product Innovation- •Best Bank in Internet Banking – 2nd Position 1st Runners Up 1st Runners up

2011 2010 2009 2007 Innovation Award The Banking Awards The Banking Awards The Banking Awards •3rd Position •Best Bank in Customer Satisfaction • Best Bank in Tier III • Best Bank in Product Marketing 2nd Position 1st Position 3rd Position • Best Bank in Customer satisfaction 2nd Position

African Banking Corporation Limited 7 ABC Bank Group Structure

ABC Bank Group Current Key Metrics for ABC Bank (Kenya)

STOCK BROKERAGE & INSURANCE AND RISK 12 Branches accross Kenya BANKING INVESTMENT & FINANCIAL MANAGEMENT SERVICES

Corporate Banking Remittances Trading (Equities, General Insurance Over 300 Employees SME Banking Diaspora Banking Fixed Income Non General Insurance

Retail Banking Internet Banking and derivatives) Credit Risk Insurance

Treasury Services Portfolio Management Over 8,000 Alternative Channels Cash Management Corporate Finance Active Internet Banking Users Emerging Channels County Collections Research

Cards SACCOs Agency Relations

Trade Finance Custodial Services 40,000 Accounts and Advisory Growing

African Banking Corporation Limited 8 Our Board Of Directors

MR. RICHARD OMWELA Independent Non Executive Chairman • LLB Degree, Diploma in Law • Advocate, The High Court of Kenya • Partner, Hamilton Harrison & Mathews Advocates, • Chairman, Kenya Rugby Union (KRU)

MR. ASHRAF SAVANI MR. JOSEPH K. MUIRURI Independent Non Executive Director Independent Non Executive Director

• Bachelor of Commerce, Diploma in Banking. • Fellow, Chartered Association of Certified Accountants (UK) • Former chairman, ABC Bank • Practitioner, Institute of Certified Public Accountants of Kenya • Over 50 years of Banking Experience • Over 35 years auditing accounting experience • Awarded, Life Time Achievement Award in Banking (Think Business) • Former Partner, Ernst & Young East Africa

MR. ALBAN MWENDAR MR. ANIL ISHANI Independent Non Executive Director Independent Non Executive Director • Master of Business Administration, B.Ed, Member- HRM (Kenya). • Qualified Barrister at the Middle Temple in London • Former Group HR director at Kenya Commercial Bank • Fellow, Chartered Institute of Arbitrators • Currently, Group Human Resources Director at Kenya Airways. • Former Senior partner, City firm of Adlers Solicitors • Over 28 years of Experience • Currently, a consultant and a Council Member Superbrands

MR. SHAMAZ SAVANI MR. SRIDHAR NATARAJAN Group Managing Director Group Chief Executive Officer • Master of Business Administration, Bachelor of Arts (Economics), • Master of Science, Certificate in Strategy & Leadership • Bachelor of Commerce (Finance) • Former, President Director (CEO) of Bank ICB Bumiputera, Indonesia • Over 20 years of banking experience • Vice President /DGM of leading Banks in India, Hong Kong. • Over 34 years of Banking Experience in India, SE Asia, China & HK

African Banking Corporation Limited 9 Our Senior Management Team

The ABC Bank management team is made up of seasoned professionals determined to deliver superior products and services to our Retail, SME and Corporate customers. We take pride in the passion, experience, leadership, professionalism and vision of our staff.

Our focus is to continue investing in technology and new innovation for efficient banking operations that will see the bank attain Tier II position by year 2021.

PETER KINYANJUI General Manager • Master of Business Administration, Bachelor of Science in Business Administration • Associate of the Chartered Institute of Bankers (ACIB) London • Fellow of the Kenya Institute of Bankers (FKIB) • Former, Managing Director & CEO at Ltd • Over 31 years of Banking Experience

PHILIP WAMBUA RAJ PAL ARORA General Manager, Treasury & Financial Institutions Chief Credit Risk Officer • Bachelors Degree in Economics and Business studies • Master of Science (Physics), Bachelor of Sc. (Physics), • Former, Head of Treasury, Custodial Services & Institutional Banking Bachelor of Laws at Bank of Africa-Kenya • Associate of The Indian Institute of Bankers • Over 23 years of Commercial Banking Experience • Former Chief Executive Officer at EABS Bank Ltd • Over 35 years of Banking Experience

African Banking Corporation Limited 10 Our Senior Management Team cont…

AMANDA CORLINE LEE GACHOMBA Head of Retail Banking Head of SME Banking • Bachelor of Arts (Economics & Sociology) • Bachelor of Commerce (Accounting) • Formerly Business Manager at UBA Kenya Ltd • Member, Institute of Certified Public Accountants of Kenya • Over 15 years of Banking Experience • Formerly Relationship Manager-Corporate Banking at NIC Bank Ltd • Over 15 years of Banking Experience

JOSIAH MUIA ELIZABETH KIMANI Head of Corporate Banking Head of Operations • Master of Business Administration, Bachelor of Commerce • Bachelor of Commerce • Formerly Head of Corporate Banking at UBA Kenya Ltd • Member, Institute of Certified Public Accountants of Kenya • Over 19 years of Banking Experience • Formerly Head of Operations at Family Bank Ltd • Over 11 years of Banking Experience

SAMUEL MUCHIRI LUCY WARIARA Head of Finance Head of Human Resources • Master of Business Administration (Finance), • Bachelor of Arts, Sociology, Business Administration & Economics, Bachelor of Commerce Higher Diploma Human Resources Management • Member, Institute of Certified Public Accountants of Kenya • Formerly Human Resources & Administration Manager at Midland • Formerly Head of Finance & Admin at Kenya Commercial Energy Ltd Bank (Uganda) • Over 10 years of Banking Experience

African Banking Corporation Limited 11 Our Business Units

CORPORATE BANKING RETAIL BANKING The unit is focused on mid to large corporates operating in various economic Focused attention is on the individual, providing versatile savings, transaction sectors who require specialized solutions and tailor made financial structuring and investment products for wealth creation at very affordable rates. Every to achieve optimum returns on their investments in manufacturing, commercial customer enjoys the support of a customer service officer and personal banker. transportation, project development, import & export finance among many The unit also offers diverse products and services to cater for the needs of our others. All clients are assigned a dedicated Relationship Manager and Credit customers in the diaspora. Learning and Religious institutions are also driven by Analyst. retail banking.

SME BANKING TREASURY Businesses emerging into corporates are facilitated through this unit. The Treasury unit offers various foreign exchange products and services to Customers featured include service providers, commodity suppliers, suppliers cater for customers’ different commercial activities, hedging requirements and to businesses who need flexible terms and rapid facilitation. investment needs. This unit has been configured to guide the business from being an established SME into an emerging corporate. All accounts have a dedicated Business The unit is also responsible for our robust Financial Institutions and Development Manager to fully manage customers’ needs. Correspondent Banking activities.

ALTERNATIVE AND EMERGING CHANNELS CUSTODIAL BANKING This unit focuses on developing technology-led innovative products that give For Retail as well as Corporate customers and institutional investors, customers a convenient alternative to visiting branches including Internet the Bank offers extensive custodial services, working closely with ABC Capital Banking, Cash management services, Mobile banking, ATMs, Debit cards and Limited to facilitate these transactions. Agency banking. Alternative Channels offers solutions to Saccos such as cheque clearing. Recently, ABC Bank through this unit, partnered with Kirinyaga County to offer revenue collection and management solution with partner Saccos in the county acting as the Bank's agents.

African Banking Corporation Limited 12 Our Products and Services

TRANSACTION ACCOUNTS SAVINGS & INVESTMENT ACCOUNTS • Corporate Current Accounts • Taiseer - Corporate Schemes • Pure Savers Account • Hazina SME Account • Chama Account • Young Star Account • Kisima Account • Pesa Account • Fixed Deposit Account • Chequing Plus Account • Taiseer Account • Target Account • Zalisha Current Account • Lea Account • Flexi Fixed Account • Uwezo Account • ABC Global Accounts • Chequing plus- (Diaspora Banking) Corporate schemes LOCAL AND INTERNATIONAL TRADE FINANCE • Bills Discounting • Pre-shipment Finance TREASURY SERVICES • Invoice Discounting • Post Export Finance • SPOT Transactions • Letter of Guarantee • Documentary Collections • Forward Contracts • Bonds • Clean Collection • Bureau de Change • Letter of Credit • SWAPS • Research and Market Updates • Custodial services MONEY TRANSFER SERVICES LENDING PRODUCTS INTERNATIONAL LOCAL • Instant Cash • M-Pesa • Term Loans • Unsecured Personal Loans • Western Union - Retail • Asset Finance • Hire Purchase • RIA (Euronet Worldwide) - Super Agency • Overdrafts • Insurance Premium Financing - Bulk • Swift Global • Mortgages - Paybill Service • MoneyGram • Airtel Money • Transfast ALTERNATIVE AND EMERGING CHANNELS - Retail • Al Dahab exchange - Super Agency • Internet Banking • Cash Management • ABC M-Transfer • MasterCard • Sacco Revenue • iRem • Alerts(SMS, Email, E-Statements) • County Collection • Insurance services • Mobile Banking • Agency Banking • iTax African Banking Corporation Limited 13 Our Key Partnerships

At ABC Bank, we have continually sought avenues to spread our wings and diversify our product offering to customers by partnering with different institutions.

A. Cheque clearing services In the recent past, we have partnered with various Saccos including; Fortune Sacco, Capital Sacco, Bingwa Sacco, Imarika Sacco, Unaitas Sacco and other large institutions such as PostBank, to offer cheque clearing solutions to their customers. Through the partnerships, the Saccos are able to issue personalized cheque books to customers, and ABC Bank serves as the clearing house through which the cheques are processed. Saccos traditionally do not offer certain products such as cheque books, Real Time Gross Settlement (RTGS) and Electronic Funds Transfers (EFTs). Until ABC Bank introduced this service, Sacco members especially those operating businesses had to turn to commercial banks for these services. (Consequently, Saccos register significant customer attrition and stiff competition from commercial banks and deposit-taking microfinance institutions). This solution is part of ABC Bank’s plans to provide more relevant financial services to small and medium enterprises, who are key drivers of the economy, and is well appreciated by saccos and their members.

B. Warehouse financing for grain farmers ABC Bank recently signed an agreement with East Africa Exchange (EAX) to help grain farmers and traders obtain financing against their produce deliveries. This partnership enables farmers protect their produce against storage-related damage and negotiate for better prices. Through the deal, ABC Bank provides finance for electronic warehouse receipts to grain farmers and traders supported by EAX, and will also provide a clearing and settlement services platform integrated with the national payment systems and mobile banking solutions.

C. Local and International Money Transfer services The Bank has partnered with numerous local and international money transfer services to provide a variety of options to its growing customer base.

Local Partnerships include: •Safaricom •Airtel

International Partnerships: •Moneygram • Western Union •Transfast •Ria/Euronet • Instant Cash • Al-Dahab Exchange • Exchange for free (ABC M-transfer) • Swift Global

African Banking Corporation Limited 14 Our Partners

African Banking Corporation Limited 15 Our Partners

African Banking Corporation Limited 16 Key Events 2015 -2016

Imarika Sacco Partnerships – January 2015

In our continuous effort to support Saccos and microfinance institutions (MFIs) to offer a wider rangeof products and to deepen financial access in the country, we signed a partnership with Kilifi-based Imarika Sacco to offer current account services to its customers.

ABC Bank Head of Retail Banking Ms. Amanda Corline (right) and Imarika Sacco Chairman Mr. Richard Dzombo exchange partnership agreement documents

East Africa Exchange partnership – March 2015

ABC Bank signed an agreement with East Africa Exchange (EAX) to help grain farmers and traders obtain financing against their produce deliveries.

EAX is a commodity exchange that aims to increase regional market efficiency and give the East Africa's growing population, particularly smallholder farmers, better access to commercial markets, and link them to agricultural and financial markets. ABC Bank Group Managing Director Shamaz Savani and EAX Chairman Dr. Jendayi Frazer after signing the agreement

ABC Bank Google+ Hangout – May 2015

ABC Bank became the first Kenyan financial institution to host a Google+ Hangouts on Air, dubbed#ABCofBiz. The Bank used the opportunity to engage and connect with customers and the general online community. The hangout discussed common mistakes in business and how entrepreneurs can avoid them to propel their businesses to success.

Prof. Bitange Ndemo (2nd left), co-moderator Churchill Ndambuki (2nd right) and Lee Gachomba

European Investment Bank credit line – December 2015

ABC Bank and the European Investment Bank signed a Ksh. 554.8 million (Eur 5M) for onward lending to Kenyan small and medium enterprises (SMEs). The credit line from EIB was a top up of a previous Ksh. 770 million received in 2012, which made ABC Bank the first local bank to enter in to a credit line agreement with the world's largest international public bank to ease credit access for small and medium enterprises. ABC Bank Group MD Shamaz Savani (right) with EIB Vice President for East Africa Pim Van Ballekom during the signing ceremony

African Banking Corporation Limited 17 Key Events 2015 - 2016

ABC Bank Hosts Chinese New year Celebrations – February 2016

ABC Bank hosted the Chinese community living in Kenya as they ushered in their new year at the Villa Rosa Kempinski. The event was organized by Guangdong Association, an umbrella body of Chinese business people in Kenya. ABC Bank utilized the opportunity to engage the growing Chinese community in Kenya, with a view to cultivating mutually beneficial partnerships.

ABC Bank Group CEO Sridhar Natarajan (right) and Guangdong Association Vice-Chairman Hongjin Wu toast to the New Year.

ABC Bank partners with Bingwa Sacco to offer Agency services – February 2016

ABC Bank signed an agency partnership with Kirinyaga-based Bingwa Sacco as part of its strategy to reach more customers and enhance its service offering. The Sacco will serve as the bank's revenue collection agent for Kirinyaga County government. Additionally, the partnership allows ABC Bank customers to access financial services at any of the 18 Bingwa Sacco branches. This enables ABC Bank to reach more customers who can now access our services from more locations where we are not physically present.

ABC Bank Group General Manager- Business Development Peter Kinyanjui (right) exchanges memorandum documents with Bingwa Sacco Chairman Cyrus Kabira (left) as Sacco CEO Jane Mugo looks on.

ABC Bank partners with Capital Sacco to offer cheque clearing solution – April 2016

ABC Bank signed a partnership with Meru-based Capital Sacco to allow the Sacco’s customers make payments using cheques. Through the deal, ABC Bank provides cheque clearing services to Capital Sacco, which has 15 branches. Through the partnership, the Sacco can now issue personal cheque books to its close to 150,000 customers. ABC Bank acts as the clearing house through which the cheques are processed. This has enhanced ease of payments and improved efficiency of doing business for the Sacco members.

ABC Bank Group General Manager Peter Kinyanjui (centre), Meru County Senator Kiraitu Murungi (left) and Capital Sacco Chief Executive Eliezer Kaburu unveil the co-branded cheque

African Banking Corporation Limited 18 Key Events 2015 - 2016

ABC Bank and East Africa Exchange in Sh200 million deal in grain trade financing for farmers – May 2016

ABC Bank and the East Africa Exchange committed a Sh200 million credit line in a collaborative initiative to offer small scale grain farmers affordable grain trade finance. During a stakeholders’ forum held in Eldoret and graced by EAX Board chair, Former Amb. Dr. Jendayi Frazer in Eldoret, Uasin Gishu County Governor, Hon. Jackson Mandago said the initiative will have a positive impact, especially the warehouse services which contribute to solving the challenges of grain storage and marketing, further expressing the North Rift region’s support through North Rift Economic Bloc (NOREB) and the Uasin Gishu county Ministries of trade and agriculture. ABC Bank and East Africa Exchange in Sh200 million deal in grain trade financing for farmers – May 2016 Achievements

Credit Rating Upgrade by GCR (South Africa) The Global Credit Rating Company (GCR) upheld ABC Bank's upgraded rating of A2 short term and BBB long term which was assigned in 2014. The favourable rating came on the back of the bank's improved capitalization, enhanced risk management process, sufficient liquidity buffers and our earnings profile. An A2 rating indicates a very strong capacity for payment of financial commitments not significantly vulnerable to foreseeable events. A BBB rating indicates good credit quality and that default risk is currently low, with adequate capacity for payment of financial commitments. Awards 2016 Banking Awards ABC Bank was awarded the Special Award for Product Innovation in the 2016 Think Business Awards. The Bank was recognized for the game-changing Revenue Collection and Management Solution it developed for Kirinyaga County.

The Bank becomes the first entrant to claim the win in the category which was introduced this year.

ABC Bank’s Head of Operations Elizabeth Kimani, Head of Alternative Channels Rosemary Muturi and ICT Senior Manager Alex Musumbi, receive the Special Award 2015 Banking Awards ABC Bank was awarded the 1st Runners Up in the Best Bank in Product Innovation category, during the Think Business Banking Awards. The award winning product was the electronic Warehouse Receipt Financing solution the bank introduced in March in partnership with East Africa Exchange (EAX)..

ABC Bank’s Head of SME Banking Lee Gachomba (centre) and Card Centre Manager Dominic Muriithi receive the award

African Banking Corporation Limited 19 CSR Events 2015 - 2016

ABC Bank, as a good corporate citizen, upholds the tenets of a socially responsible organization, always making conscious efforts to ensure that its operations benefit its immediate environment and the people who live in it.

We support community initiatives with projected positive impact on the largest number of households and individuals. Our key CSR support areas are: Education, Empowerment and Financial Literacy, Health and Environment

ABC Bank sponsors Catholic Education Commission conference – March 2016

ABC Bank sponsored the Catholic Private Schools Education Conference held at the Catholic University from 8th to 11th March to the tune of Ksh. 250,000 in support of the church’s efforts in improving educational standards in the country.

ABC Bank’s Head of Retail Banking Amanda Corline presents the cheque to KCCB Chairman Bishop Philip Anyolo (centre) and KCCB- Commission for Education Chair Bishop Maurice Makumba

ABC Bank supports improvement of Catholic Church Health facilities - February

ABC Bank donated Sh.250,000 in support of health facilities under the Catholic church. Presenting the donation to the Kenya Conference of Catholic Bishops, Head of Retail Banking Amanda Corline said the Bank is committed to plugging the gap in health care by supplementing the public sector efforts by partnering with the private sector. The funds will go towards the improvement of health facilities under the Catholic Church.

ABC Bank Head of Retail Banking Amanda Corline presents the Sh. 250,000 cheque to KCCB’s Bishops Paul Kariuki (centre) and Anthony Ireri

ABC Bank visits Kayole Street Children Rehabilitation Centre - August 2015

ABC Bank has over the years supported the Kayole Street Children Rehabilitation Centre with food, clothing and other items. This has been one of the Bank's CSR initiatives through which volunteers employees support the former street children through cash and food donations, as well as mentorship.

ABC Bank staff pose with some of the children at the home after donating food stuffs.

African Banking Corporation Limited 20 Group Performance Review

Ambitious Deposit growth plans were put on hold on account of very high interest rates for deposits and treasury bill/bonds in Q4/2015

African Banking Corporation Limited 21 Group Financial Highlights FY 2015

Pr Before Tax ( Ksh. Million)

388.4 336.9 P.O. BOX 46452 - 00100, NAIROBI.30 T2.6el: (020) 4263000, 2223922, 2251540/1, 2226712 229.1 Email: [email protected] Website: www.abcthebank.com QUARTERLY FINANCIAL STATEMENTS AND OTHER DISCLOSURES AS AT 31ST MARCH 2016 I BALANCE SHEET 195.5 Bank Group 162.4 31st Mar 31st Dec 31st Mar 31st Mar 31st Dec 31st Mar 2015 2015 2016 2015 2015 2016 Unaudited Audited Unaudited Unaudited Audited Unaudited Shs ‘000’ Shs ‘000’ Shs ‘000’ Shs ‘000’ Shs ‘000’ Shs ‘000’ 1 1A ASSETS6.7 1 Cash ( both Local & Foreign) 172,123 181,083 176,534 198,790 224,355 221,456 2 Balances due from 692,915 903,947 1,192,352 744,289 1,006,547 1,307,144 67.7 3 Kenya Government and other securities held for dealing purposes - - - 4 Financial Assets at fair value through profit and loss - - - 5 Investment Securities: - - - a) Held to Maturity: 4,346,728 3,398,545 2,900,091 4,922,935 3,848,018 3,297,451 a. Kenya Government securities 4,102,526 3,241,430 2,900,091 4,102,526 3,241,430 2,900,091 b. Other securities 244,202 157,115 - 820,409 606,588 397,360 b) Available for sale: 829,158 499,621 480,881 829,158 499,621 480,881 a. Kenya Government securities 829,158 499,621 480,881 829,158 499,621 480,881 b. Other securities - - - 6 Deposits and balances due from local banking institutions 80,977 91,784 82,963 90,187 98,937 95,333 Q1 H1 Q3 FY Q7 Deposits1 and balances due from bankingH1 institutions abroad Q 198,0983 31,481 145,324 F Y349,055 343,715 480,108 8 Tax recoverable 80,302 20,655 20,655 94,354 35,038 34,777 9 Loans and advances to customers (net) 12,945,731 14,828,522 14,062,190 13,501,549 15,292,071 14,518,774 10 Balances due from banking institutions in the group 10,579 11,479 12,112 - - - 11 Investments in associates - - - 2014 12 Investments in subsidiary companies 2015 885,405 885,405 885,405 13 Investments in joint ventures - - - 14 Investment properties - - - 15 Property and equipment 525,726 498,770 527,216 564,607 532,416 558,792 16 Prepaid lease rentals - - - 17 Intangible assets 138,636 132,362 128,134 139,022 132,719 128,385 18 Deferred tax asset 31,501 25,440 25,440 33,125 29,943 30,046 Profit Before Tax grew to Ksh. 388.4 million from Ksh. 336.9 million 19recordingRetirement benefit asset a 15% growth year on year. This was driven - by - - 20 Other assets 869,986 549,203 1,088,356 976,146 574,364 1,138,960 21 TOTAL ASSETS 21,807,865 22,058,297 21,727,653 22,443,217 22,617,744 22,292,107 growth in interest income (Ksh. 243m), and drop in operating cost in line with our cost efficiency strategy. B LIABILITIES 22 Balances due to Central Bank of Kenya - 1,098,624 838,402 - 1,098,624 838,402 23 Customer deposits 16,451,190 15,774,465 15,995,342 16,816,733 16,300,473 16,485,489 24 Deposits and balances due to local banking institutions 510,117 370,229 101,449 510,117 370,229 101,449 25 Deposits and balances due to foreign banking institutions 148,423 184,213 196,942 148,423 - 24,387 26 Other money market deposits - - - 27 Borrowed funds 1,494,354 1,404,578 1,350,014 1,494,354 1,404,578 1,350,014 28 Balances due to banking institutions in the group - - - 29 Tax payable 32,790 - 33,520 36,427 - 38,068 30 Dividends payable 31 Deferred tax liability ------32 Retirement benefit liability - - - 33 Other liabilities 482,118 389,580 315,394 569,343 413,454 368,767 34 TOTAL LIABILITIES 19,118,992 19,221,689 18,831,063 19,575,397 19,587,358 19,206,576

C SHAREHOLDERS’ FUNDS 35 Paid up /Assigned capital 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 36 Share premium/(discount) - - - 37 Revaluation reserves (18,436) (60,908) (79,139) (122,011) (136,555) (154,786) 38 Retained earnings/Accumulated losses 1,557,100 1,733,365 1,811,578 1,561,652 1,742,052 1,822,733 39 Statutory loan loss reserves 100,209 114,151 114,151 105,767 120,957 118,717 40 Other Reserves African Banking Corporation (11,183) (30,322) Limited (38,260) 22 41 Proposed dividends - - - 42 Capital grants Group Financial Highlights FY 2015

Interest Income (Ksh. Million)

2974.6 2731.5

2060.3 1838.8 1312.8 1407.5

647.3 692.7

Q1 H1 Q3 FY Q1 H1 Q3 FY 2014 2015

Interest Income grew by 9% year on year to close at Ksh. 2974.6 million in 2015 (FY 2014: Ksh. 2731.5 million). This was mainly driven by increased margin in line with our 12% growth in loans and advances

African Banking Corporation Limited 23 Group Financial Highlights FY 2015

Loans and Advances (Ksh. Billion)

15.29

14.31 14.09 13.68 13.50 12.68

11.65 11.35

Q1 H1 Q3 FY Q1 H1 Q3 FY 2014 2015

The loans and advance(net) expanded by 12% (Ksh. 15.3 billion) year on year driven by increased uptake of our loan products (FY 2014: Ksh. 13.7 billion)

African Banking Corporation Limited 24 Group Financial Highlights FY 2015

Customer Deposits (Ksh. Billion)

17.82 18.23 18.32 17.30 16.65 16.04 16.65 16.39

Q1 H1 Q3 FY Q1 H1 Q3 FY 2014 2015

Total Customer Liabilities grew by 6% (Ksh. 0.9 billion) from Ksh. 16.4 billion in 2013 to close at Ksh. 17.3 billion in 2014. We let go some high cost deposits in Q4, 2015 on account of a steep hike in interest rates for deposits and government bonds ruling in excess of 21 years.

African Banking Corporation Limited 25 CAPITAL ADEQUACY RATIOS

A A

African Banking Corporation Limited 26 ABC Bank Performance Review

Our PBT without extra-ordinary items has been growing steadily from KShs 412m in 2010 to KShs 530m in 2013, KShs 522m in 2014, and KShs 527 in 2015. However, with extra-ordinary items our PBT grew from KShs 480m in 2010 to KShs 578m in 2013 and KShs 319m in 2014 and KShs 355m in 2015.

The 2014 PBT was attributed to strategic decisions that the Bank undertook which included but not limited to:

1. Aggressive investment in infrastructure and capacity building especially in ICT and recruitment

2. Prudent decision on adequate provisions amounting to KShs 132m for loans that showed signs of impairment following our continuous assessment of the loan book

3. Extraordinary expenses and extraordinary income which contributed to our PBT were mainly bond trading and loan recoveries. In 2010, we made KShs 127m in Bond trading while in 2014 we managed about KShs 20m attributed to the erratic nature of the bond market during that period.

4. Our expansion plan in terms of lending and capital adequacy. In mid 2014 we issued a bond in order to support this and the proceeds were initially invested in the money markets which were low yielding awaiting loans disbursements. The absorption of the proceeds mostly happened towards the end of the year while the interest expense begun to accrue from the issue date which amounted to KShs 82m by end year.

African Banking Corporation Limited 27 II PROFIT AND LOSS ACCOUNT 1.0 INTEREST INCOME 1.1 Loans and advances 519,024 2,287,672 663,732 545,454 2,396,824 688,123 1.2 Government securities 121,035 470,251 104,021 136,860 527,048 115,128 1.3 Deposits and placements with banking institutions 1,139 3,706 11 3,349 25,030 13,972 1.4 Other Interest Income 7,085 25,699 2,610 7,085 25,699 2,625 1.5 Total interest income 648,283 2,787,328 770,374 692,748 2,974,601 819,848

2.0 INTEREST EXPENSE 2.1 Customer deposits 293,129 1,323,055 454,705 297,777 1,344,269 459,880 ABC Bank Performance Review 2.2 Deposits and placement from banking institutions 6,378 97,941 32,881 7,038 94,399 32,701 2.3 Other interest expenses 41,322 164,051 38,028 41,322 164,051 38,028 2.4 Total interest expenses 340,829 1,585,047 525,614 346,137 1,602,719 530,609 3.0 NET INTEREST INCOME/(LOSS) 307,454 1,202,281 244,760 346,611 1,371,882 289,239

4.0 NON-INTEREST INCOME 4.1 Fees and commissions on loans and advances 15,043 166,062 42,128 16,412 168,798 44,013 ST 4.2 Other fees and commissions 51,953 155,333 34,102 63,830 186,819 41,037 QUARTERLY FINANCIAL STATEMENTS AND OTHER DISCLOSURES AS AT 31 MARCH 2016 4.3 Foreign exchange trading income/(Loss) 25,414 60,245 33,925 27,028 64,225 35,110 4.4 Dividend Income ------4.5 Other income 1,601 8,781 (1,681) 5,247 43,080 2,006 4.6 Total Non-interest income 94,011 390,421 108,474 112,517 462,922 122,166 5.0 TOTAL OPERATING INCOME 401,465 1,592,702 353,234 459,128 1,834,804 411,405

I BALANCE SHEET Bank Group 6.0 OTHER OPERATING EXPENSES 31st Mar 31st Dec 31st Mar 31st Mar 31st Dec 31st Mar 6.1 Loan loss provision 10,000 77,742 11,200 12,639 88,088 12,154 2015 2015 2016 2015 2015 2016 6.2 Staff costs 142,072 585,803 149,619 164,986 685,120 175,256 Unaudited Audited Unaudited Unaudited Audited Unaudited 6.3 Directors' emoluments 13,359 58,188 14,365 13,359 59,770 14,428 Shs ‘000’ Shs ‘000’ Shs ‘000’ Shs ‘000’ Shs ‘000’ Shs ‘000’ 6.4 Rental charges 15,033 69,172 16,793 21,098 94,398 23,956 A ASSETS 6.5 Depreciation charge on property and equipment 17,832 62,018 13,888 19,777 69,970 15,740 1 Cash ( both Local & Foreign) 172,123 181,083 176,534 198,790 224,355 221,456 6.6 Amortisation charges 2,617 16,258 4,227 2,706 16,650 4,331 2 Balances due from Central Bank of Kenya 692,915 903,947 1,192,352 744,289 1,006,547 1,307,144 6.7 Other operating expenses 91,252 368,095 31,409 107,845 432,409 46,023 6.8 3 Kenya Government and other securities held for dealing purposes - - - Total Other Operating Expenses 292,165 1,237,276 241,501 342,410 1,446,405 291,888 7.0 Profit/(loss) Before Tax and Exceptional Items 109,300 355,426 111,733 116,718 388,399 119,517 4 Financial Assets at fair value through profit and loss - - - 8.0 Exceptional Items - - - 5 Investment Securities: - - - 9.0 Profit/(Loss) After Exceptional Items 109,300 355,426 111,733 116,718 388,399 119,517 a) Held to Maturity: 4,346,728 3,398,545 2,900,091 4,922,935 3,848,018 3,297,451 10.0 Current Tax 32,790 82,547 33,520 34,682 95,633 35,963 a. Kenya Government securities 4,102,526 3,241,430 2,900,091 4,102,526 3,241,430 2,900,091 11.0 Deferred Tax 6,161 - 2,847 - b. Other securities 244,202 157,115 - 820,409 606,588 397,360 12.0 Profit/(Loss) After Tax and Exceptional Items 76,510 266,718 78,213 82,036 289,919 83,554 b) Available for sale: 829,158 499,621 480,881 829,158 499,621 480,881 13.0 Minority Interest 2,512 10,357 2,873 a. Kenya Government securities 829,158 499,621 480,881 829,158 499,621 480,881 14.0 Profit/(loss) after tax, exceptional items and Minority Interest 76,510 266,718 78,213 79,524 279,562 80,681 b. Other securities - - - 15.0 Other Comprehensive Income 6 Deposits and balances due from local banking institutions 80,977 91,784 82,963 90,187 98,937 95,333 Gains/(Losses) from translating the financial statements of foreign 7 Deposits and balances due from banking institutions abroad 198,098 31,481 145,324 349,055 343,715 480,108 15.1 operations (18,242) (76,917) (7,874) 8 Tax recoverable 80,302 20,655 20,655 94,354 35,038 34,777 15.2 Fair value changes in available for sale financial assets (10,188) (52,660) (18,231) (10,188) (30,347) (18,231) 9 Loans and advances to customers (net) 12,945,731 14,828,522 14,062,190 13,501,549 15,292,071 14,518,774 15.3 Revaluation surplus on Property,plant and equipment - - - 10 Balances due from banking institutions in the group 10,579 11,479 12,112 - - - 15.4 Share of other comprehensive income of associates - - - 11 Investments in associates - - - 15.5 Income tax relating to components of other comprehensive income - - - 12 Investments in subsidiary companies 885,405 885,405 885,405 16.0 Other Comprehensive Income for the year net of tax (10,188) (52,660) (18,231) (28,430) (107,264) (26,105) 13 Investments in joint ventures - - - 17.0 Total comprehensive income for the year 66,322 214,058 59,982 53,606 182,655 57,449 14 Investment properties - - - 18.0 EARNINGS PER SHARE- BASIC & DILUTED 0.73 2.54 0.74 0.78 2.66 0.80 15 Property and equipment 525,726 498,770 527,216 564,607 532,416 558,792 19.0 DIVIDEND PER SHARE -DECLARED 16 Prepaid lease rentals - - - 17 Intangible assets 138,636 132,362 128,134 139,022 132,719 128,385 III OTHER DISCLOSURES 18 Deferred tax asset 31,501 25,440 25,440 33,125 29,943 30,046 1.0 NON-PERFORMING LOANS AND ADVANCES 19 Retirement benefit asset - - - (a) Gross Non-performing loans and advances 1,356,464 2,676,858 2,803,218 1,362,739 2,694,737 2,824,209 20 Other assets 869,986 549,203 1,088,356 976,146 574,364 1,138,960 (b) Less: Interest in Suspense 337,536 513,773 530,130 337,987 514,280 531,719 21 TOTAL ASSETS 21,807,865 22,058,297 21,727,653 22,443,217 22,617,744 22,292,107 (c)Total Non-Performing Loans and Advances (a-b) 1,018,928 2,163,085 2,273,088 1,024,752 2,180,457 2,292,490 (d) Less: Loan Loss Provision 181,094 195,996 195,304 183,663 202,720 201,422 B LIABILITIES (e) Net Non-Performing Loans and Advances(c-d) 837,834 1,967,089 2,077,784 841,089 1,977,737 2,091,068 22 Balances due to Central Bank of Kenya - 1,098,624 838,402 - 1,098,624 838,402 (f) Discounted Value of Securities 837,834 1,967,089 2,077,784 841,089 1,977,737 2,091,068 23 Customer deposits 16,451,190 15,774,465 15,995,342 16,816,733 16,300,473 16,485,489 (g) Net NPLs Exposure (e-f) ------24 Deposits and balances due to local banking institutions 510,117 370,229 101,449 510,117 370,229 101,449 25 Deposits and balances due to foreign banking institutions 148,423 184,213 196,942 148,423 - 24,387 2.0 INSIDER LOANS AND ADVANCES 26 Other money market deposits - - - (a) Directors, Shareholders and Associates 202,932 207,629 233,198 202,932 208,312 233,963 27 Borrowed funds 1,494,354 1,404,578 1,350,014 1,494,354 1,404,578 1,350,014 (b) Employees 244,891 362,059 388,362 244,891 362,742 389,127 28 Balances due to banking institutions in the group - - - (c)Total Insider Loans and Advances and other facilities 447,823 569,688 621,560 447,823 571,054 623,090 29 Tax payable 32,790 - 33,520 36,427 - 38,068 30 Dividends payable 3.0 OFF-BALANCE SHEET ITEMS 31 Deferred tax liability ------(a)Letters of credit,guarantees, acceptances 2,331,539 901,587 858,040 2,389,885 1,126,545 1,034,541 32 Retirement benefit liability - - - (b) Forwards, swaps and options 2,539,663 1,181,087 1,114,305 2,539,663 1,181,087 1,114,305 33 Other liabilities 482,118 389,580 315,394 569,343 413,454 368,767 (c)Other contingent liabilities 290,576 56,414 99,910 290,576 56,414 99,910 34 TOTAL LIABILITIES 19,118,992 19,221,689 18,831,063 19,575,397 19,587,358 19,206,576 (d)Total Contingent Liabilities 5,161,778 2,139,088 2,072,255 5,220,124 2,364,046 2,248,756

C SHAREHOLDERS’ FUNDS 4.0 CAPITAL STRENGTH 35 Paid up /Assigned capital 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 1,050,000 (a)Core capital 1,966,132 2,180,988 2,220,095 (b) Minimum Statutory Capital 1,000,000 1,000,000 1,000,000 36 Share premium/(discount) - - - (c)Excess/(Dificiency)(a-b) 966,132 1,180,988 1,220,095 37 Revaluation reserves (18,436) (60,908) (79,139) (122,011) (136,555) (154,786) (d) Supplementary Capital 967,987 830,818 780,818 38 Retained earnings/Accumulated losses 1,557,100 1,733,365 1,811,578 1,561,652 1,742,052 1,822,733 (e) Total Capital (a+d) 2,934,119 3,011,806 3,000,913 39 Statutory loan loss reserves 100,209 114,151 114,151 105,767 120,957 118,717 (f)Total risk weighted assets 18,373,684 18,304,295 18,423,018 40 Other Reserves (11,183) (30,322) (38,260) (g) Core Capital/Total deposits Liabilities 12.0% 13.8% 13.9% 41 Proposed dividends - - - (h) Minimum statutory Ratio 8.0% 8.0% 8.0% 42 Capital grants (I) Excess/(Deficiency) (g-h) 4.0% 5.8% 5.9% 43 TOTAL SHAREHOLDERS' FUNDS 2,688,873 2,836,608 2,896,590 2,584,225 2,746,132 2,798,404 (j) Core Capital / total risk weighted assets 10.7% 11.9% 12.1% 44 Minority Interest 283,595 284,254 287,127 (k) Minimum Statutory Ratio 10.5% 10.5% 10.5% 45 TOTAL LIABILITIES AND SHAREHOLDERS' FUNDS 21,807,865 22,058,297 21,727,653 22,443,217 22,617,744 22,292,107 (l) Excess (Deficiency) (j-k) 0.2% 1.4% 1.6% ------(m) Total Capital/total risk weighted assets 16.0% 16.5% 16.3% II PROFIT AND LOSS ACCOUNT (n) Minimum statutory Ratio 14.5% 14.5% 14.5% (o) Excess/(Deficiency) (m-n) 1.0 INTEREST INCOME 1.5% 2.0% 1.8% 1.1 Loans and advances 519,024 2,287,672 663,732 545,454 2,396,824 688,123 1.2 Government securities 121,035 470,251 104,021 136,860 527,048 115,128 5 LIQUIDITY 1.3 Deposits and placements with banking institutions 1,139 3,706 11 3,349 25,030 13,972 (a) Liquidity Ratio 33% 22% 25% (b) Minimum Statutory Ratio 20% 20% 20% 1.4 Other Interest Income 7,085 25,699 2,610 7,085 25,699 2,625 (c) Excess (Deficiency) (a-b) 13% 2% 5% 1.5 Total interest income 648,283 2,787,328 770,374 692,748 2,974,601 819,848 The financial statements are extracts from the books of the institution. The complete set of quarterly financial statements, statutory and qualitative disclosures 2.0 INTEREST EXPENSE can be accessed on the institution’s website www.abcthebank.com. They may also be accessed at the institution’s head office located at ABC Bank House, 2.1 Customer deposits 293,129 1,323,055 454,705 297,777 1,344,269 459,880 2.2 Deposits and placement from banking institutions 6,378 97,941 32,881 7,038 94,399 32,701 Woodvale Grove, Westlands Nairobi. 2.3 Other interest expenses 41,322 164,051 38,028 41,322 164,051 38,028 SIGNED 2.4 Total interest expenses 340,829 1,585,047 525,614 346,137 1,602,719 530,609 SHAMAZ SAVANI JOSEPH K.MUIRURI 3.0 NET INTEREST INCOME/(LOSS) 307,454 1,202,281 244,760 346,611 1,371,882 289,239 GROUP MANAGING DIRECTOR DIRECTOR

4.0 NON-INTEREST INCOME 4.1 Fees and commissions on loans and advances 15,043 166,062 42,128 16,412 168,798 44,013 4.2 Other fees and commissions 51,953 155,333 34,102 63,830 186,819 41,037 4.3 Foreign exchange trading income/(Loss) 25,414 60,245 33,925 27,028 64,225 35,110 4.4 Dividend Income ------4.5 Other income 1,601 8,781 (1,681) 5,247 43,080 2,006 African Banking Corporation Limited 28 4.6 Total Non-interest income 94,011 390,421 108,474 112,517 462,922 122,166 5.0 TOTAL OPERATING INCOME 401,465 1,592,702 353,234 459,128 1,834,804 411,405 Our Branch Network

• Head Office - ABC Bank House, Woodvale Grove, Westlands Nairobi Nairobi Branches Koinange Street Branch - Koinange Street, Nairobi Westlands Branch - ABC Bank House, Woodvale Grove Libra House Branch - Libra House, Mombasa Road Industrial Area Branch - ABC Bank Building, Dar es Salaam Road TRM Branch - Thika Road Mall, Thika Super Highway KENYA Green House Branch - Green House Mall, Ngong Road

Upcountry Branches Mombasa Branch - Shariff Nasser Investment Building, Moi Avenue

Lamu Branch - Seafront, Lamu Town Lamu Meru Branch - Moi Avenue, Meru Nakuru Branch - Saifee House, Kenyatta Avenue, Nakuru Eldoret Branch - Zul Arcade, Odinga Oginga Road Eldoret Kisumu Branch - Jubilee House, Odinga Oginga Road, KIsumu

Group Companies ABC Capital Ltd - IPS Building, 5th Flr. Kimathi Street ABC Insurance Brokers Ltd - ABC Bank House, Westlands ABC Capital Bank Uganda - Plot 4 Pilkington Rd, Colline House • Colline Branch • Luwum Street Branch • Kikuubo Branch • Arua Park Branch

African Banking Corporation Limited 29 Why Choose ABC Bank as the preferred Banking Partner

• ABC Bank is a stable Bank having being in existence for over 30 years with a strong balance sheet and consistent profitability • The Global Credit Rating Company (GCR) recently upgraded the Bank’s rating of national scale short term A2 (KE) and long term BBB (KE) with the outlook accorded as stable • We have strategic locations in all major towns in Kenya and a presence in Uganda • Our operations benefit the immediate environment and the people who live in it through our CSR activities • We have a wide array of personal and business banking products and services to suit your individual or business financial needs • ABC Bank is the niche Bank in Alternative Banking channels. • We have won the champions of governance award repeatedly over the years • We have strong Correspondent Banking relationships in Africa, Europe, Asia and USA • At ABC Bank, we pride ourselves of a good working culture and a complementary mix of skill sets and expertise • We offer you personalized services • ABC Bank is ISO 9001:2008 certified • An award winner for product innovation • Wide network of agents all over Kenya and robust Sacco relationships • Loyal customers of over two decades • A strong, stable and clean bank, with a healthy track record of growth and profit

African Banking Corporation Limited 29 UGANDA

KENYA

Lamu

Mombasa

0701 700 700 I [email protected] I www.facebook.com/abcthebank I www.abcthebank.com www.abcthebank.com