Our Journey to Makerere University• Established direct presence

by way of a branch in January 2007.

• We have had a good working relationship with the University since then.

• We have continued to register business growth since then.

• Following with keen interest developments around the administrative line up at the University.

Net Work Growth

University Administration, faculties/depts etcAcademic & Non academic Staff.Students.Families & Communities around MUK.Service providers, hostels/businesses in the neighbourhood.

Current Offering

• Basic Commercial Banking Services.

• Tuition & other related fees collection

• Loan facilities to staff (Auto loans, land loans, salary loans.

• Campus plus accounts for students.

• Day to day mgt of the relationship by branch team.

Most recently• Bridge finance facility• Affordable homes proposal

Affordability Incomes Interest rate 17%tenor 180

DIR 40% 50% 60%Net Salary loan amt

500,000 12,995,415 16,244,269 19,493,123 1,000,000 25,990,831 32,488,538 38,986,246 1,500,000 38,986,246 48,732,808 58,479,369 2,000,000 51,981,661 64,977,077 77,972,492 2,500,000 64,977,077 81,221,346 97,465,615 3,000,000 77,972,492 97,465,615 116,958,738 3,500,000 90,967,908 113,709,884 136,451,861 4,000,000 103,963,323 129,954,154 155,944,984 4,500,000 116,958,738 146,198,423 175,438,108 5,000,000 129,954,154 162,442,692 194,931,231 5,500,000 142,949,569 178,686,961 214,424,354 6,000,000 155,944,984 194,931,231 233,917,477 6,500,000 168,940,400 211,175,500 253,410,600 7,000,000 181,935,815 227,419,769 272,903,723 8,000,000 207,926,646 259,908,307 311,889,969 9,000,000 233,917,477 292,396,846 350,876,215

10,000,000 259,908,307 324,885,384 389,862,461

Local Biz offering

Target group 1-5 employees, Turnover 5-100M per month (Annual Turnover 60M-1Bn)

The offering has the following subsets;

• Import Tax Financing.

• Invoice discounting.

• Contract Financing.

• Commodity Financing.

• Business premises acquisition financing.

• Revolving lines of credit

• Women -In-Business loans (Secured & Unsecured)

• Easy Access Accounts

• Local Biz current Accounts

• Investment Clubs

• Fx Savings a/c for staff overseas

• Enhanced Young Savers Accounts with Insurance.

Quest for Process & Service improvements from the University

Process Improvements• Payment/Expenditure

management solutions.• More convenient method of

handling tuition & fees payments.

• Reduction/centralisation in the number of accounts held.

• E-Tax• Electronic Banking/Enhanced

reporting functionalities for the bursars office.

Future for the Bank: Investment in Technology • We have commenced the process of migrating to a much more

robust IT platform that opens a whole new dimension to the way we will manage and drive dfcu business going forward.

• This platform will enable us introduce & launch several new electronic channels previously not possible , which gives us the opportunity to serve MUK better and will offer a whole range of convenience options on a 24 hour basis. These include….Internet banking, Mobile phone banking, VISA cards, SMS banking, Points of Sale etc.

• The reporting capabilities of the new IT platform will enable us give MUK a complete view of its business with us and thus gives us opportunity to manage customer relationships better.

Immediate benefits to the MUK community will include,• Alternative access/delivery channels • Convenience & savings on time & expenses related to ordinary

banking.• E-Solutions: School fees & bill payments

More collaboration with the University

Lets walk this journey together over next 4 months & thereafter ride on this for future growth. (Be patient with us for only this period)

We would like to build on this relationship and do a lot more business with the University.

• Corporate Business.• Letters of credit for imports (Text books)• Infrastructure financing :faculties/halls expansion• Payment of University Suppliers

Thank you