Njenge Bank Statement of financial position As at 31 December 2012 2012 Kmillion Assets Cash on hand and balances at Bank

of Zambia Cash and cash equivalents Pledged assets Investment securities Derivative financial instrument Loans and advances to customers Operating lease prepayments Prepayments and other receivables Property and equipment Intangible assets Total assets Liabilities Amounts payable to group banks Amounts payable to non-group banks Deposits from customers Dividends payable Derivative financial instruments Accruals and other payables provisions Current tax liabilities Subordinated liabilities Deferred tax liabilities Total liabilities Equity Share capital Statutory reserves Fair value reserves Credit reserves Capital contribution Retained earnings Total equity attributable to equity holders of the bank Total liabilities and equity 680,535 921,312 50,000 1,104,442 8,624 2,233,265 545 101,134 28,449 35,312 5,163,618 525,033 40,139 3,681,026 1,329 5,625 240,818 14,061 35,263 20,710 5,324 4,569,328 416,745 12,285 6,479 4,194 17,312 137,275 594,290 5,163,618 2011 Kmillion 335,956 1,226,863 106,000 954,110 11,980 1,797,251 660 86,342 25,872 40,640 4,585,674 357,943 10,405 3,573,822 1,329 1,717 177,724 15,457 43,050 20,480 10,799 4,212,726 12,285 12,285 6,258 7,220 17,312 317,588 372,948 4,585,674

Njenge Bank Statement of comprehensive income for the year ended 31 December 2012 2012 Kmillion 405,617 (83,921) 321,696 173,815 (18,183) 155,632 114,055 22,452 6,582 143,089 620,417 (169,155) (38,202) (70,164) (3,278) 339,618 (118,625) 220,993 2,071 (1,850) 221 221,214 220,993 220,993 221,214 221,214 132.57 2011 Kmillion 314,540 (57,127) 257,413 139,613 (14,033) 125,580 86,212 9,318 794 96,324 479,317 (143,389) (33,709) (68,813) (7,319) 226,087 (93,634) 132,453 (379) (2,737) (3,116) 129,337 132,453 132,453 129,337 129,337 79.46

Interest income Interest expense Net interest income Fee and commission income Fee and commission expense Net fee and commission income Net trading income Net income from financial instruments at fair value through profit or loss Other income Revenue Personal expenses Depreciation, amortization, premises and equipment expenses Other expenses Impairment on loans and advances Profit before income tax Income tax expense Profit for the year Other comprehensive income, net of income tax Net changes in fair value reserve on available for sale securities Net amount transferred to profit and loss on available for sale securities Other comprehensive income for the year, net of income tax Total comprehensive income for the year Profits attributable to: Equity holders of the bank Profit for the year Total comprehensive income attributable: Equity holders of the banks Total comprehensive income for the year Earnings per share Basic and diluted earnings per share Note: Dividends paid in 2012 amounted to K81,926,000,000.