BOK Investor Presentation Year to September 2011

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November 2011



Disclaimer

This presentation contains statements that constitute “forward-looking statements”, including, but not limited to, statements relating tothe implementation of strategic initiatives and other statements relating to our business development and financial performance.

While these forward-looking statements represent our judgments and future expectations concerning the development of ourbusiness, a number of risks, uncertainties and other factors could cause actual developments and results to differ materially from ourexpectations.

These factors include, but are not limited to, (1) general market, macroeconomic, governmental policies, legislative and regulatorytrends, (2) movements in local and international currency exchange rates, interest rates and securities markets, (3) competitivepressures, (4) technological developments, (5) changes in the financial position or credit worthiness of our customers, obligors andcounterparties and developments in the markets in which they operate, (6) management changes and changes to our group structureand (7) other key factors that we have indicated could adversely affect our business and financial performance, which are containedelsewhere in this presentation and in our past and future filings and reports, including those filed with the National Bank of Rwanda andthe Rwanda Stock Exchange.

-

2

result of new information, future events, or otherwise.



Presentation Team

L A D O G U R G E N I D Z EC h a i r m a n o f t h e B o a r dE m a i l : l g u r g e n i d z e @ b k . r wM o b i l e : + 9 9 5 5 9 9 4 7 7 2 7 2

l a d o . g u r g e n i d z e . 2 0 0 8

J A M E S G AT E R AM a n a i n D i r e c t o r

3

E m a i l : j g a t e r a @ b k . r wTe l : + 2 5 0 2 5 2 5 9 3 1 2 1

L A W S O N N A I B OC h i e f O p e r a t i n g O f f i c e rE m a i l : l n a i b o @ b k . r wM o b i l e : + 2 5 0 7 8 8 3 0 2 0 7 6



1. Country & Sector Overview

2. Corporate Governance

3. Bank Overview

4. Financial Overview

5. Strategic Outlook

6. Contact Information

Table Of Contents



COUNTRY AND SECTOR

OVERVIEW



Rwanda – Country Profile

Rwanda has been recognized by the World Bank as the

second most active reformer globally 2005-2011

Since 2005, Rwanda has implemented over 22 business

regulation reforms in the areas measured by the World

Bank Doing Business Index Today, entrepreneurs can register a new business in 24

hours as well as online

Area 26,338 sq km

Population (2010) 10.7 million

Official Languages Kinyarwanda, French, English

Capital Kigali

Currency Rwandan Franc (RWF)

Credit Rating B/Stable (Fitch Ratings)

Business Environment

Macro Economic Indicators

National Facts

6

om na . on

Nominal GDP Per Capita (2010) US$562

Real GDP Growth Rate 2011E 6.5%

Inflation Rate (Oct 2011) 7.76%

Private Sector Credit Growth20.9%

External Debt to GDP (2010) 14.9%

Currency Depreciation(Year to September) 0.9%

FDI as % of GDP (2011E) 1.9%

Source: IMF, CIA World Factbook, Ministry of Finance and Economic Planning, NationalInstitute of Statistics Rwanda, National Bank of Rwanda



GDP per Capita continues to grow Population Pyramid for Rwanda 2010

60-79

80+

Sound Macro Fundamentals

9.2 9.4 9.6 9.8 10.0 10.2 10.4

338399

489 533562

593632

0

100

200

300

400

500

600

700

0

2

4

6

8

10

12

2006 2007 2008 2009 2010 2011E 2012F

Healthy GDP growth with moderating inflation

30 20 10 0 10 20 30

0-19

20-39

40-59

Percent

Age Class

% female % male

7

3.1

3.7

4.7

5.25.6

6.16.6

8.8% 9.1%

15.4%

10.3%

2.3%3.1%

5.5%

0.0%

4.0%

8.0%

12.0%

16.0%

20.0%

2

3

4

5

6

7

8

2006 2007 2008 2009 2010 2011E 2012E

Nominal GDP (US$ Bn) Inflation (%)

Source: US Census BureauSource: Ministry of Finance and Economic Planning, IMF

Population (LHS) Nominal GDP Per Capita (RHS)



2010 Banking Assets/GDP Large Unbanked Population

Economy is still cash based with bank accounts being used mostly

for cash deposits and withdrawals

Approximately 20% of the population is banked

90% of banked adults have a product with UBPR or credit unions

2010 Banking Assets Per Capita5

Significant Banking Sector Potential

66%

50%

Kenya

Tanzania

534

274

Kenya

Tanzania

(US$)

Source: Finscope Rwanda 2008

1

2

Prudential Regulations

CAR (Tier One) 10%

(1) Source: Central Bank of Kenya and Economic Survey 2011(2) Source: IMF and Tanzania Banking Survey 2011 (Serengeti Advisers)(3) Source: IMF and Bank of Uganda Joint Annual Supervision & Financial

Stability Report December 2010(4) Source: IMF and published financial statements

(5) Source: population stats by IMF8

33%

22%

Uganda

Rwanda

165

124

Uganda

Rwanda

3

4

Total CAR 15%

Liquidity Ratio 20%

Reserve Requirement 5% of total deposits

Lending in foreign currency Restricted to exporters



Banking Sector Overview

Rwanda Banking System Growth (Total Assets)

360.8468.7 516.2

579.5

722.1

820.7

0

100

200

300

400

500600

700

800

900

Rwf bnCAGR ‘06-’10 = 18.9%

Performance Indicators

9.2%

2.9%

15.3%

9.0%

3.3%

17.4%

0.0%

5.0%

10.0%

15.0%

20.0%

NPLs/Gross Loans Return on AverageAssets

Return on AverageEquity

Asset Quality Profitability ratios

Banking Sector BK

Source: National Bank of Rwanda, Bank of Kigali Data

-

Branch Coverage

41

18 16 15

11 10 9 7

05

1015

202530354045

* BPR has over 100 sub-branches

Regulatory Reforms in Access to Credit

Enactment of Law on Mortgages, requiring the registration of mortgages

and enabling lenders to foreclose on defaulters

Establishment of Commercial Courts dealing solely with commercial

disputes

Reorganization of the Land Centre which has computerized recordsand operations in addition to timely issuance of property titles

Reorganization of the Office of the Registrar General to enhance and

fast track registration of mortgages and foreclosures

Establishment of Credit Reference Bureau to enhance information

sharing among banks and other financial institutions in order to assist

with credit risk assessment

ource: uperv s on epar men , ugus one ary o cy,

Reviewed September Results

9



Bank of Kigali is the Market Leader

Rank Total Assets Loans Deposits Equity

33.4%

BANK OFKIGALI

UBPR

18.1%

BCR 10.7%

1

2

3

32.7%

BANK OFKIGALI

29.7%BANK OFKIGALI

42.6%

BANK OFKIGALI

UBPR

23.8%

UBPR

19.4%

UBPR

15.6%

BCR 9.7%

ECOBANK

12.6%BCR

11.7%

Source: Reviewe IFRS financial statements from Rwandan banks for June 2011, National Bank of Rwanda

10

ECOBANK

10.6%

COGEBANQUE8.2%

FINA BANK

6.7%

KCB

6.5%

ACCESS BANK

5.9%

4

5

6

7

8

ECOBANK

9.7%BCR

9.5%

COGEBANQUE2.4%

ACCESSBANK

3.9%

KCB

7.5%

ACCESS BANK 7.1%

COGEBANQUE7.8%

FINA BANK

7.4%

KCB

7.3%

ECOBANK

7.7%

COGEBANQUE

7.1%

FINA BANK

5.1%

KCB

7.3%

ACCESS BANK 4.9%

FINA BANK

7.6%

Preliminary estimates have been used for ECOBANK in calculating the banking sector figures whose Q3 2011 performance figures are subject to confirmation. Any resulting changes areunlikely to be material.



Bank of Kigali market share evolution

26.4% 26.8%25.7%

27.4%

31.5%

25.9%

33.4% 32.7%

29.7%

20.0%

25.0%

30.0%

35.0%

40.0%

Source: Reviewe IFRS financial statements from Rwandan banks for June 2011, National Bank of Rwanda

11Preliminary estimates have been used for ECOBANK in calculating the banking sector figures whose Q3 2011 performance figures are subject to confirmation. Any resulting changes areunlikely to be material.

0.0%

5.0%

10.0%

15.0%

Total Assets Net Loans Client Deposits

2009 2010 9M 2011



CORPORATE GOVERNANCE



Corporate Governance

The Board of Directors is composed of eight independent non-executive directors(including two non-resident directors with extensive expertise in international bankingpractices)

The Board of Directors is approved by the Central Bank and meet on a quarterly basis or

more frequently as the business demands

The Board retains full responsibility for the direction and control of the Bank as spelledout in the Memorandum and Articles of Association, the Board Charter and thecorporate governance guidelines

The Board sub-committees have clear TORs which underscore the scope and context oftheir performance as approved by the Board & corporate governance regulation

The Board receives detailed financial information and regular presentations from themanagement on the Bank’s business performance. This enables the Directors to make

informed decisions on governance, strategic, financials and operational issues



Shareholding Structure

Report date 24-Nov-11

Current price, RwF 130

arket Cap, US$ mln 144

Free float 45%Free float in US$ mln 67

verage daily traded volume in US$ mln 0.18

Common shares outstanding, mln shares 667.3

12-month high 200

12-month low 127

P/E 2010 9.74

P/BV 2010 1.51

Government ofRwanda, 29.75%

Rwanda SocialSecurity

LocalInstitutionalInvestors,

2.47%

International

InstitutionalInvestors,18.00%

ESOP, 1.08%

RetailInvestors,

16.92%

Shareholding Structure

14

Rwf/USD Exchange Rate (e-o-p) of 601.716 as at 24 November 2011*Capital gains on the RSE transactions are exempted from CapitalGains Tax

Share Price Performance September 2011

Board, 27.17%Other State

Owned Entities,0.10%

Regional

InstitutionalInvestors,4.50%

100

125

150

175

200

1

- S e p - 1 1

3

- S e p - 1 1

5

- S e p - 1 1

7

- S e p - 1 1

9

- S e p - 1 1

1 1

- S e p - 1 1

1 3

- S e p - 1 1

1 5

- S e p - 1 1

1 7

- S e p - 1 1

1 9

- S e p - 1 1

2 1

- S e p - 1 1

2 3

- S e p - 1 1

2 5

- S e p - 1 1

2 7

- S e p - 1 1

2 9

- S e p - 1 1

1

- O c t - 1 1

3

- O c t - 1 1

5

- O c t - 1 1

7

- O c t - 1 1

9

- O c t - 1 1

1 1

- O c t - 1 1

1 3

- O c t - 1 1

1 5

- O c t - 1 1

1 7

- O c t - 1 1

1 9

- O c t - 1 1

2 1

- O c t - 1 1

2 3

- O c t - 1 1

2 5

- O c t - 1 1

2 7

- O c t - 1 1

2 9

- O c t - 1 1

3 1

- O c t - 1 1

2

- N o v - 1 1

4

- N o v - 1 1

6

- N o v - 1 1

8

- N o v - 1 1

1 0

- N o v - 1 1

1 2

- N o v - 1 1

1 4

- N o v - 1 1

1 6

- N o v - 1 1

1 8

- N o v - 1 1

2 0

- N o v - 1 1

2 2

- N o v - 1 1

2 4

- N o v - 1 1

P r i c e

Closing Price IPO Price

IPO PRICE- Rwf 125



BANK OVERVIEW



Background and History

A+ credit rating byGCR (Global Credit

Rating)

Established in 1967as J.V with

Belgolaise S.A

Currentmanagement team

assembled

Supervisory Boardenhanced &

internationalised

US$62.5 mlnInitial Public

Offering of 45%of its shares

and listing onRSE

2011

Government of

Rwanda acquired50% stake from

Belgolaisebecoming 100%

shareholder

20061967 2007

New strategy

focusing on theuniversal banking

business model andprofitable growth

adopted

2009

16

2010

EIB loan signed:‒ EUR 5 MM‒ 7 years

AFD loan signed:

‒US$ 20 MM

‒ 10 years

AfDB loan signed:

-US$12 MM-10 years



Key Facts

A Snapshot of Bank of Kigali

The leading bank in Rwanda (33.4% market share by total assets

as of September 30, 2011), offering a wide spectrum of

commercial banking services to corporate, SME and retail

customers

As of 30 September 2011 the Bank had:

― Over 13,000 corporate accounts

― Over 126,000 retail accounts― 41 branches

― 26 ATMs (46 by December 2011)

― 552 employees

― 15,246 debit cards in issue

Western Union Agent for International Transfers

US$ MM 2007 2008 2009 2010 Sep 2011CAGR 2007-

2010

Total Assets 225.1 216.1 265.9 332.5 456.7 13.9%

Net Loans 89.4 129.0 135.0 170.6 209.0 24.0%

Client Deposits 187.2 167.9 191.7 228.2 288.5 6.8%

Shareholders' Equity 23.5 28.4 32.5 53.6 96.0 31.6%

Net Income 7.8 10.3 9.3 10.6 10.0 10.8%

MARKET SHARETotal Assets 29.0% 23.4% 26.3% 27.4% 33.4% Net Loans 25.3% 24.4% 26.8% 31.5% 32.7% Client Deposits 30.6% 24.6% 25.8% 25.9% 29.7% Shareholders' Equity 28.3% 22.3% 26.8% 32.2% 42.6%

One of two Banks in Rwanda that offer International VISA cards.

On average, the break-even period for new branches is less than24 months

17

Branch Network Evolution

Source: National Bank of Rwanda, Bank of Kigali

Growth in ATMs, POS Terminals and # of retail accounts

1114 18 33 41

267 295 303

453 552

0

100

200

300

400

500

600

0

10

20

30

40

50

2007 2008 2009 2010 Sep-11

Number of Branches Number of Employees

6 6 626 26

0

4052

97 173

27 3041

60

126

0

50

100

150

2007 2008 2009 2010 Sep-11

ATMs POS Retail Accounts Number ('000')(‘000)



45.9

65.2 66.9

84.8

95.0

10.8

13.6 14.0

20.7

36.1

0

20

40

6080

100

120

140

56.6

78.8

80.9

105.5

131.2

Gross Loan Portfolio Portfolio Composition, 30th September 2011

Overview of the Loan Book

CAGR ‘07-’10 = 16.8%

(RWF Bn) Retail: RWF 36.1 BnCorporate: RWF 95.0 Bn

Consume

r loans,34.6%

Overdrafts,

13.6%

Mortgages, 42.6%

Microloans,3.6%

Microoverdrafts

,5.6%

Corporate, 70.0%

SMEs,26.0%

NBAs,3.9%

2007 2008 2009 2010 Sep-11

Corporate Loans Retail Loans

18

Corporate Loan Book, 30th September 2011

Notes: *NBAs (Non Business Associations) includes Non-Profit Organizations, Charities, Religious

institutions, Educational Institutions, Co-operatives,etcSource: Bank of Kigali

Source: Bank of KigaliCorporate Loans: RWF 95.0 Bn

Top 10Corporate

Loans,26.2%

OtherCorporate

Loans,73.8%

Manufacturing,7.5%

Construction,

27.5%

Commerce,restaurants& hotels,

55.2%

Transport&

Communic

ation, 7.0%

Others,2.8%

Over 1Billion,36.0%

500M-1Billion,11.8%

100M-500Million,34.2%

50M-100Million, 8.2%

0-50million,

9.8%



78.069.6

81.699.3

123.023.9 24.2 27.8

36.4

50.0

0

20

40

60

80

100

120

140

160

180

200

-

135.7

173.0CAGR ‘07-’10 = 7.4%

109.4

93.8101.9

Customer Deposits Growth Net Loans / Customer Deposits, %

Customer Deposit Base

(RWF Bn)

54.8%47.8%

76.8%70.4% 72.7%

0%10%20%30%40%50%

60%70%80%90%

2007 2008 2009 2010 Sep-11

Corporate Retail

Structure of Deposits, 30th September 2011 Customer Deposits Concentration

19

Source: Bank of Kigali


Corporate: RWF 122.9 Bn Retail: RWF 46.9 Bn

Notes: * depositors with total balances above 5% of shareholders’ equity of BoK


Largedepositors*

22.4%

Other77.6%

30 September 2011 31 December 2010

Net Loans/Customer Deposits

CBTerm

Deposits,27%

CBDemandDeposits,

73%

RB TermDeposits,

13%

RBDemandDeposits,

87%

LargesDepositors,

16.3%

Other,83.7%



Loans Deposits

Description Key Segments

Clients include corporate, SMEs and NBAs*

Interest rates were in the 15.0%-17.25% range as of

September 30, 2011

Key products:

‒

CAPEX loans: long-term loans for investment orexpansion of the business

‒ Commercial mortgage loans: typical customer

participation at 30% of property value, typical tenor

of up to 10 years

‒ Working capital loans: financing business needs to an

Corporate Banking

(RWF Bn) (RWF Bn)

46.6 46.0

61.866.6

14.1

15.1 15.2

20.6

24.8

2.5

3.5 5.7

2.3

3.7

30

40

50

60

7080

90

100

45.965.2

66.9

84.895.0

46.152.9

58.7

76.5

97.0

20.5 8.012.1

11.5

14.311.4

8.8

10.811.3

11.7

40

60

80

100

120

140

7869.6

81.6

99.3

123

Number of Accounts

agreed limit for a short period (usually <1yr)

‒Overdrafts

Strategy

‒ Introduce new services, integrate client coverage

‒ Grow and consolidate market share

‒ Leverage superior lending capacity

‒ Focus on payroll services

20


*NBAs (Non Business Associations) includes Non-ProfitOrganizations, Charities, Religious institutions, EducationalInstitutions, Cooperatives,etc

.

010

2007 2008 2009 2010 Sep-11

Corporate SMEs NBAs

0

2007 2008 2009 2010 Sep-11

NBAs SMEs Corporate

1,619 1,823 1,5672,757

4,1534,813 5,236 4,968

5,873

9,561

0

2,000

4,000

6,000

8,000

10,000

12,000

2007 2008 2009 2010 Sep-11Loans Accounts Deposits Accounts



Description Key Segments

Retail Banking

The Bank’s retail business is primarily focused on mortgagesand consumer loans with notable share of overdrafts

Key products:

‒ Mortgage loan: up to 10 years with typical customerparticipation at 30% of property value

‒Consumer loan: up to 6x monthly salary and 24 months

‒ Overdraft: up to 50% of monthly salary (normally repaidin 30 days)

‒ Other products include credit cards and asset leasing

Strategy:

‒ Build a ubiquitous branch footprint throughout thecountry

Loans Deposits(RWF Bn) (RWF Bn)

3.5 4.25.7

8.2

15.5

0.9 1.10.9

2.0

3.4

4.5 6.97.4

10.1

14.8

1.9 1.5

0.4

2.4

0

5

10

1520

25

30

35

40

2007 2008 2009 2010 Se -11

13.3

14.015.1

20.7

36.1

20.1 20.8 23.9 32.2 43.5

3.8 3.44.0

4.2

6.5

0

10

20

30

40

50

6050.0

23.9

23.827.9

36.4

Number of Accounts

21Source: Bank of Kigali

‒ Build sufficient channel capacity to be able to service

500,000+ clients by 2015‒ Build out the retail product lineup to achieve relevance

to the daily lives of the banked population

‒ Expand credit card/debit card offering to otherproviders (MasterCard, Amex etc)

8,199 9,145 11,524 15,131

55,615

18,419 20,57929,081

44,894

70,002

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

2007 2008 2009 2010 Sep-11

Loans Deposits Accounts

Consumer loans OverdraftsMortgages Other

2007 2008 2009 2010 Sep-11

Demand deposits Term deposits



FINANCIAL OVERVIEW



Net Interest Margin, % Cost / Income, %

Profitability

Kenya average: 10.8%

Nigeria average: 6.8%

SA average: 6.8%



SA average: 59.1%

9.5% 9.2%8.7% 8.4%

8.0%

0%1%2%3%4%5%6%7%

8%9%

10%

39.5% 39.8%44.1% 47.5% 47.3%

0%

10%

20%

30%

40%

50%

60%

RoAE, % RoAA, %

23Source: Bank of Kigali Audited IFRS StatementsSource: Bank of Kigali Audited IFRS Statements

Source: Bank of Kigali Audited IFRS Statements Source: Bank of Kigali Audited IFRS Statements



SA average: 14.4% Kenya average: 3.4%


SA average: 1.1%

2007 2008 2009 2010 Sep-11-

37.5% 39.4%

30.7%

24.5% 17.4%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

2007 2008 2009 2010 Sep-11

4.1%

4.7%

3.9%3.5% 3.3%

0%

1%

2%

3%

4%

5%

2007 2008 2009 2010 Sep-11



1.1%

0.4%

1.9%

2.5%

2.1%

0%

1%

2%

3%

Cost of Risk*, %

Asset Quality

(RWF Bn)

11.0 12.1 6.7 9.0 11.9

93%76%

68%64% 65%

0%

20%

40%

60%

80%

100%

0

2

4

6

8

10

12

14

2007 2008 2009 2010 Sep-11

NPLs Coverage

-

Collateral Structure

24Source: Bank of Kigali Audited IFRS Statements

Notes: * LLPs / (NPLs – Collateral) Notes: * LLP charge / Average gross loans for period

Source: Bank of Kigali Audited IFRS Statements

Unsecured loans Collateralized loans

Loan Book Quality (NPLs, %)

CashDeposits,

13.7%

RealEstate, 42.9%

UnregisteredCollateral,

38.1%

Guarantees1.7%

Unsecured,3.6%

19.4%

15.4%

8.3% 8.5%9.1%

0%

5%

10%

15%

20%

25%

2007 2008 2009 2010 Sep-11

NPLs Coverage ratio



Funding Structure, % Maturity Gap, 30 September 2011

Funding

83.8% 77.7%72.1% 68.6% 63.3%

3.7%6.0% 9.9%

9.6%8.8%

10.5% 13.2% 12.2% 16.1%21.1%

1.9%3.1% 5.8% 5.7% 6.7%

0%

20%

40%

60%

80%

100%

120%

2007 2008 2009 2010 Sep-11

10,791

38

65,742

19,901

(20,000)

(10,000)

-

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

Up to 1

months

1-3 months 3-6 months 6-12 months 1-5 years Over 5 years

RwF bn

CAR, % Highlights

Deposits are the primary source of funding with share of demand

deposits exceeding 60% as at September 2011.

The Bank has also signed two long-term credit lines with the

European Investment Bank and the French Development Agency

worth € 5 million for 7 years and $20 million for 10 yearsrespectively.

In 2011, a third credit line was signed with the African

Development Bank worth $12 million for 10 years.

25




Deposits Due to Banks Shareholders Equity Other

14.0% 14.9%

19.9% 20.1%

27.0%

0%

5%

10%

15%

20%

25%

30%

2007 2008 2009 2010 Sep-11

(17,285) (21,460)(30,000)



STRATEGY





Sound MacroFundamentals

Politically stable country with sound governance

Very attractive demographic profile: population of 10 million with 84% below the age of 40

Robust economic growth of 4.1%-11.2% between 2006-2010 and 8.8% expected for 2011

Moderate inflation: declined from 15.4% in 2008 to 2.3% in 2010

Very friendly business environment, recognized as the 2nd most reformer globally 2005-2011 in World Bank Doing Business

Report

Significant headroom for growth given low banking penetration

₋ Total assets/GDP of 22%

Large unbanked population of approximately 90%

Well regulated banking sector: fairly conservative regulator relative to regulators in the East Africa region

Market leadership by

– Total assets RWF 273 802 million as of 30 Se t 2011 – 33.4% market share

SignificantBanking Sector

Potential

OutlookKey Investment Highlights

– Net Loans (RWF 125,308million as of 30 Sept 2011) – 32.7% market share

– Deposits (RWF 172,967 million as of 30 Sept 2011) – 29.7% market share

– Shareholders’ equity (RWF 57,554 million as of 30 Sept 2011) – 42.6% market share

Relatively high capital adequacy ratios ranging from 14.0% - 27% between 2007 and September 2011

Manageable level of non-performing loans – 9.1% of gross loans in September 2011, down from 19.4% in 2007

Loans to deposit ratio range of 54.8% - 72.7% between 2007 and September 2011.

Market

Leadership

ConservativeBusiness Model

Experienced

Management

Team

Management team with combined banking sector experience of 79 years

Complemented by an experienced and diversified Board of Directors

Track record of producing stellar results: ROAE ranging between 25% to 40% for the period 2006 - 2010

Profitable

Growth

Robust asset growth at a CAGR of 26.6% to RWF 273,802 million (2007-2011)

ROAA ranging from 3.0% - 4.1% between 2006 and September 2011

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Contact Information

For information please contact:

Lado GurgenidzeChairman of the BoardEmail: [email protected]: +995 599 477 272

James GateraManaging DirectorEmail: [email protected]: +250 78 814 3000

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Lawson NaiboChief Operating OfficerEmail: [email protected]: +250 78 830 2076

Website: www.bk.rwTelephone number: +250 252 593100Address: Plot 6112, Avenue de la Paix, Kigali Rwanda

Frances Ihogoza

Head of Corporate Affairs/CompanySecretaryEmail: [email protected]

Mobile: +250 78 830 43 88

Documents

BOK Investor Presentation Year to September 2011