© Bramer Bank - May 2013

Contents

Mauritius Key Facts

Banking Sector in Mauritius

Global Business Sector

Why Mauritius

The Group

Bramer Bank

International Banking

Products & Services

Innovations

Why Bramer Bank

2

THE INTELLIGENT BANK

3Mauritius Key Facts

Population of 1.23 million people

GDP : USD11.2 bn (2011) and USD11,9 bn (2012)

GDP per capita : USD 8,741 for 2011 and USD9,200 for 2012

Average growth rate from 2001 to 2010 : 4%

Main industries : Manufacturing, Finance, Tourism, Agriculture

Key Business indicators

• World Bank Ease of doing business 2012 :19th out of 183 countries

• 1st in Africa for 6 consecutive years on Mo Ebrahim Index on African Governance

• 20 year track record in Emerging markets investments – Mauritius accounted for 42% (USD54 billion) of India’s FDI from

2000 to 2011

• Moody’s country rating:

- upgraded from Baa2 to Baa1 (June 2012)

4

Banking Sector in Mauritius

Regulated by the Bank of Mauritius

21 Banks in Mauritius (local and international banks)

Growth of banks have been steady and continuous

Banking sector not really affected by the financial

crisis

Overall, Mauritius has a very robust banking sector

5What is a Global Business Hub

•Allows for the creation of tax efficient and asset protection

structures (several types of vehicles – Corporate, Trusts,

Foundations, Funds, etc)

•Regulatory environment to encourage investment

•Confidentiality of information

•Double Taxation Agreements (DTA)

•Ease of doing business

•Political and social stability Key Players

•Banks : Traditional Banking products for local and international

customers

•Offshore Management Companies

•Professional Service Providers : Lawyers and accountants

6

Fiscal incentives : 37 DTA (13 DTA with African

countries) and 22 IPPAs

No exchange control

Multilingual and qualified workforce

Strategic IFC location in terms of both time

zone and location

Efficiently regulated financial environment

Modern communications

Legal framework : combination of English

and French Law

Political and Social stability

Access to major business hubs

Member of African Union, SADC, COMESA,

IOR-ARC

Why Mauritius ?

The Group

Forms part of the British American

Investment group (BAI)

BAI has 40 years of

presence in Mauritius

BAI is one of the largest

conglomerates in Mauritius. Over 3000 employees. Group Turnover USD575m,

Assets under management :

USD2.2bn

Has interests in Financial Services,

Hospitality, Healthcare

, Trade &Commerc

e, Construction, Tourism

The Financial cluster is comprised of Banking, Insurance &Brokerage,

Asset Management, Wealth Management,

Forex, Stock Broking

Group has established

operations in Africa,Dubai,

France, Malta, UK and India

7

Operations in Africa

Kenya : Insurance, Asset Management, Strategic investment in Banking,

Property, Fund, Consumer Goods

Madagascar : Retailing, Vehicles

Uganda : Insurance, Asset Management (in process)

Mozambique : Agriculture Farm (projected)

Botswana : Insurance (Projected)

South Sudan : Insurance

8

Bramer Bank9

Mission

Generate enhanced shareholder returns through

delivery of excellent, differentiated products &

services to growing businesses and aspiring

individuals

Values

Performance through passion and excellence in service

•Execution driven & doing the right things first time

•Relationship focused and connected to our clients

•Uncompromising integrity

Strategy

• Leveraging business connectivity in existing economic sectors and faster growing regional markets

• Improve access to finance for underserved segments

Outcome

To be the bank of choice for growing

businesses & aspiring individuals by 2015

Reason why we exist How we behave and

conduct business

Where & how we compete Deliver enhanced

shareholder returns by 2015

Mission, Values & Strategy

10 Integrated Business

Senior manager

invests for retirement

International corporate

pays its employees

HR manager outsources

payroll & insurance

Retail

Banking

Business owner plans

wealth protection &

transfer Business

Banking

Private

Banking &

Wealth

Management

Fast growth company needs to

expand working capital

Exporter requires a

back-to-back

Trade Finance Line

Retailer wants to give

Boost to credit sales

International

Banking

Providing Cross-Border

Banking Services

11 Bramer Bank

Bramer Bank is one of the fastest growing banks in

Mauritius

It is listed on the Stock Exchange of Mauritius

Started operations in 1989 as South East Asian Bank.

Acquired by British American investment in 2008 -

Bramer Bank

Bramer Bank has 20 branches across Mauritius, which

makes it the fourth biggest bank in terms of branch

coverage

Nominated in 2013 - African Banker Awards for

Financial Inclusion

Engaged in Retail Banking, Business Banking, Asset

Finance, Micro Finance, Private Banking and

International Banking

12 International Banking Operates a range of cross border banking

services

Cater for all international clients (Corporates, Individuals, Financial institutions, Investors, Asset Managers)

Expanding our footprint in Africa – association with Equity Bank

We have a dedicated team of relationship

managers and supports to cater for the needs of our clients

In depth knowledge of the Global Business sector via qualified and experienced staff

We have very close relationships with key market drivers, such as Global Business Management

Companies, Law and Accountancy firms, regulators, Investment promotion agency

Goal : be one of the leading local banks in the Global Business sector, by 2015

We are giving us the means to achieve this goal –recruitment, technology, new products,

competitiveness, global visibility

Products & Services13

Multi Currency Accounts

Interest Bearing Call and Deposit accounts with Swap between call and deposit to maximize return for client

International Payments

Credit Cards

Foreign exchange,

Electronic Banking Platform in a secured environment.

Overdrafts

International Trade Finance (discounting lines, import credit, LC and Guarantees)

Project Finance

Loan syndication

Asset finance (equipment, shipping, aircraft etc).

InnovationsCredit card (USD, EUR and GBP)

Wealth Management products for Private Banking (offshore)

Structured deposits

Custody Services.

Foreign Exchange and Derivatives/Hedging

Leveraging and bridge financing

14

Why Bramer Bank?15

Flexible

Close to our clients and accompany them

Where others think it is too small to go

Very competitive – pricing, deposit rates

Local bank, but with a strong international

focus

One of the fastest growing local banks –

nominated by The Banker

A strong believer in Africa

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Ashraf Esmael| Chief Executive Officer | +230 255 5210

aesmael@bramerbank.mu

Issa Soormally | Senior Vice President - Sales| +230 253 5550

isoormally@bramerbank.mu

Ravi Bhuruth | Vice President – International Banking | + 230 252 0725

rbhuruth@bramerbank.mu

Mehsana Hosenbocus | Relationship Manager – International Banking | +230 254 6958

mhosenbocus@bramerbank.mu

Your Key Contacts @ Bramer Bank

Thank You

17

© Bramer Bank – May 2013