FY 2018 and Q4-18 Results

2018 highlights The BSP Group continues to perform well with 2018 NPAT up 11.5% to K844m. Further, the 2018 result represents three [3] consecutive years of double digit profit growth. Profit (NPAT) up 11.5% to K844.1m Capital adequacy marginally lower 22.9% GROUP NPAT TREND [km] Total Income up 8.4% to K2.16bn Loan provisions down to 4.7% Total Assets up 3% to K23.0bn ROE up 30.7% Cost to Income ratio improves to 41.0% Dividend yield up 12.3% GROUP INCOME AND EXPENDITURE TRENDS CAGR = 16.6% [km] 844.1 757.0 Total income 643.5 Total expenditure [excl. tax] CAGR 531.9 1,998 2,166 1,792 1,547 11.9% 7.5% 781 868 930 970 2015 2016 2017 2018 2015 2016 2017 2018 FY 2018 and Q4-18 Results BSP 5

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