This document provides an overview of Bramer Bank and the banking sector in Mauritius. It discusses Mauritius' economy and position as an international financial center. Bramer Bank operates retail, business, and international banking services. It aims to be the bank of choice for growing businesses and individuals by 2015 through an integrated business model and innovative products. Bramer Bank is part of a large Mauritian conglomerate and is one of the fastest growing and most competitive banks on the island.

1. © Bramer Bank - May 2013

2. 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

3. 3
Mauritius 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. 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

5. 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. 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 ?

7. 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,
Constructio
n, 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

8. 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

9. 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. 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. 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. 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

13. Products & Services
13
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).

14. Innovations
Credit 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

15. 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

16. 16
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

17. Thank You
17
© Bramer Bank – May 2013