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KCB BANK TANZANIA LIMITED

EABC BREAKFAST MEETING18th JULY 2014

By Frank NyabundegeDirector - Corporate Banking

Overview• KCB Vision and Values• KCB History• KCB Group Network• Group Financials Overview• Regional Footprints• KCB Offering - Corporate, SME, Retail, Treasury, Islamic Banking• Asset Based Financing• Cash Management• Why KCB for your EA Business

KCB: VISION & VALUES

VISION To be the preferred Financial Solutions provider in Africa with

Global Reach.

KCB Bank VALUES

• Putting the CUSTOMER first• Working together as a TEAM• Being PROFESSIONAL in everything we do• A willingness to CHANGE• Caring for the COMMUNITY

KCB Bank’s History• KCB is 117 years old; • Began as National Bank of India in 1896, then National & Grindlays

Bank (1958) before becoming KCB(1970)• KCB has presence in 6 countries with 230 branches and over 940

ATMs• Top mortgage finance provider in Kenya and roll out progress

within EAC• Rebranded in 2003 with a new logo and new colours; new

corporate values• KCB has the largest B/sheet in the region at USD 4.6 billion ie Kes

390.85Bn• KCB aims at being an employer of choice and currently employs

over 5,000 staff in the region

KCB Group Network KCB currently operates in the following countries:• Tanzania • Kenya• Uganda• Rwanda• South Sudan• Burundi

Regional Footprint

• KCB Tanzania has 12 branches; which are Dar es Salaam (Oysterbay, Samora, Uhuru, Buguruni, Mlimani City, Msimbazi, Lumumba branch ( DSM), Arusha, Mwanza, Moshi, Morogoro and Zanzibar

• KCB Kenya has 170 branches across the country. • KCB South Sudan 20 branches• KCB Uganda 14 branches• KCB Rwanda 11 branches• KCB Burundi 2 branches

TOTAL ASSETS (USD. Billion)

2008 2009 2010 2011 2012 20130

0.5

1

1.5

2

2.5

3

3.5

4

4.5

5

2.42.5

2.6

3.3

4.3

4.6

Series1

NET LOANS AND ADVANCES(USD. Billion)

2008 2009 2010 2011 2012 20130

0.5

1

1.5

2

2.5

3

1.2

1.5 1.6

2.1 2.2

2.7

Net Loans and Advances

Net Loans and Advances

CUSTOMER DEPOSITS(USD. Billions)

2008 2009 2010 2011 2012 20130

0.5

1

1.5

2

2.5

3

3.5

4

0.9

1.2

1.5

2.5 2.6

3.6

Customer Deposit

Customer Deposit

GROWTH In PROFITS(USD. Millions)

2008 2009 2010 2011 2012 20130

50

100

150

200

250

7781

126

192 202

235

PBT

PBT

KCB Bank Tanzania

• 12 Branches • Innovative products

- Unique E-statements

- QuickPay Solution (Electronic

Salary Payments)

- Nyumba Yako Financing

- Internet and Mobile Banking

- Well structured Corporate Social Responsibility (CSR)

Products Offered• Corporate Current Accounts

• Working Capital Facilities (Overdrafts and short term loans)• Asset Based Finance• Project Finance• Construction Finance / Structured Finance• Trade Finance – Letters of Credit, and Guarantees• Competitive Foreign Exchange Rates – Vibrant Treasury

Division• Corporate Relationship Management • FDR and Call Accounts• Domestic Revenue Collection for TRA• Bancassurance and IPF products

Other products - Community Current Account (absolutely no charges)

- Cub Accounts

- Current Accounts

- Call Accounts

- Simba Savings Accounts (earn up to 7% interest)

- Students Accounts

- Western Union Money transfer (the fastest way of wiring money)

Cash ManagementCollection Services

Payment ServicesInformation Services E-Statement Mobile banking Internet banking

Direct debit services

QuickPay (Salary processing, bulk payments) Payments in local or

foreign currency ie TTs On site Quick serve

ATMS (Visa enabled) Internet Banking Mobile Banking

Sharia Banking - Amana Products & ServicesCredit services• Short-term ie Murabaha -ABF, Product for sale, Building materials • Qardh Hassan- Finance short term working capital up to 3 months, ie

salaries for schools and clearing goods at the port• All banking products that we charge fees and commissions ie

Trade facilities ie LCs as they are all sharing compliant

Deposit products • KCB Amana Current Account• KCB Amana Savings Account- Qardh contract (safe custody)• KCB Amana Community Account• KCB Amana cub Account• KCB Amana Salary AccountSharia banking branch to be opened in Dar by July 2013 along

Lumumba str.

Nyumba Yako Finance (Mortgage)• Direct purchase of ready made house or commercial

properties:( Partnership with NHC)

• Nyumba yako plus For home renovation • Equity Release

Refinancing part of the existing equity investment in houses

Target Market : Personal ( employees/self employed) and commercial

KCB DIASPORA BANKING• Banking without Boundaries

Safe, convenient cash/money management everywhere in the world

• Products offeredKCB Diaspora Transactional savings accountKCB Diaspora Student accountKCB Diaspora Investment accountKCB Diaspora Junior account

Why KCB for your EA Business• All range of banking products - cross boarder credit facilities

across the region, with dedicated Relationship Management..• Regional IT Platform- branchless banking• Representation in all East African Countries and expanding• Focus on service/product quality and innovation• Strong/expanding local and regional branch network• The biggest bank in the region- SBL USD 100m• E-statements – ability to view transactions across East Africa

and soon to be able to transact through internet banking• Strong Brand with a focus on people and the community we

operate in.

THANK YOU FOR LISTENING

COME AND OPEN AN ACCOUNT WITH

KCB BANK AT ANY OF OUR BRANCHES