Welcometo the Leading Bank of the South Pacific

Bank of South Pacific Limited

BSP Head OfficeP.O. Box 78Cnr Douglas Street & Musgrave StreetPort Moresby NCD, Papua New Guinea

320 1212www.bsp.com.pg

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papua new guinea• 42 Branches • 38 Sub Branches• 226 Agents• 300 ATMs• 10,800+ EFTPoS• XX Premium Service Centres

fiji • 18 Branches • 6 priority Centres• 3 fX Bureau’s• 107 aTMs• 1, 589 efTpoS

SoloMon iSlandS

• 7 Branches • 7 agencies• 8 Branchless Banking agents• 18 aTMs• 120 efTpoS

poRT MoReSBY

BranchesBoroko, Port Moresby,

Harbour City, Waigani BC, Waigani Dr

BSp first Gordons, Harbour City,

Port Moresby, Vision City

premium Service CentresGordons, Waigani BC,

Harbour City, Water Front, Vision City

lae BranchesLae Top Town Lae MarketLae Commerical

premium Service CentreLae Top Town

BSp loCaTionS

KeY

Branches l

Sub Branches l

Agents l

BSp fiji BSp SoloMon iSlandS

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Welcome to BSP

Welcome to Bank South Pacific, the largest bank in Papua New Guinea and the South Pacific. BSP is one of the foremost PNG and Pacific brands recognised for our youth, vitality and Melanesian uniqueness.

PNG and the Pacific are our home, and we are proud to be majority PNG owned. BSP is the clear market leader in PNG and the innovation leader in the financial sector in PNG and across the Pacific.

With the largest branch, rural and electronic banking networks in PNG, FIJI and the Solomon Islands, BSP is a modern energetic, world class emerging market bank. We strive to deliver “International Best Practice” standards and services in everything we do.

As the market leader in PNG we can offer a “Whole of Bank” solution to our corporate clients to meet every aspect of your business, staff and customer needs. No other financial institution has the ability to deliver electronic solutions remotely to all customer segments across PNG.

Our knowledge, history, experience and commitment to PNG and the Pacific simply cannot be matched because PNG and the Pacific is our home. BSP will continue to do business in good times and bad times, as Country Risk in not a consideration for a bank that operator in its home market.

BSP also offers Premium Banking Service centres in all the major towns in PNG, Fiji and Solomon Islands. Our BSP First (Platinum Services) and BSP Priority (Gold and Silver Services) personal banking solutions will surpass your expectations in a very positive way. The relationship we build with each and every customer is incredibly important to us.

We are committed to providing the highest level of service combined with market leading financial solutions to our corporate and institutional customers. BSP is determined to earn your business.

Like everything in life, we recognised we are not perfect and that this is much more to do to achieve the levels of performance and service we desire. BSP continues to deliver excellent financial results and our service levels must be seen to be appreciated.

I invite you to contact BSP if you’re serious about doing business in Papua New Guinea, a country which we are proud to call our home.

Robin FlemingGroup Chief Executive Officer

MR Robin FleMing gRoup Ceo

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Our History Bank South Pacific Limited opened its doors in 1957 in Port Moresby as a branch of the National Bank of Australasia Limited. In 1995 a consortium of Papua New Guinea businesses acquired the bank creating the first and only PNG private sector owned bank.

Bank South Pacific purchased the State Owned - Papua New Guinea Banking Corporation (PNGBC - formerly CBA PNG) in 2002 creating the largest Bank in PNG. Other acquisitions followed: National Bank of Solomon Islands 2005, Habib Bank in Fiji in 2006, Colonial Group of Companies (Banking & Life Businesses) in Fiji in 2010.

Bank South Pacific rebranded to become “BSP” in 2008. Our shareholders include major PNG Institutions – IPBC, Nasfund, Nambawan Super, Petroleum Resources Kutubu, Credit Corporation, MVIL, PNG Teachers Savings & Loan, Comrade Trustees, and the International Finance Corporate (IFC).

In 2012, BSP’s account opening process employing a tablet computer and instant card issuance, won the award for the world’s Best Bank Led Mobile Money Program at the 2012 Connected World Global Awards.

Bank South Pacific continues to be a dominant force in the market leading the way with innovation and technology.

Today BSP has the largest fleet of EFTPoS and ATMs in the country, including an increasing customer base in electronic and mobile banking channels. Over 80 million transactions were processed through all electronic and mobile phone channels in 2013.

Higlights

BSP has been internationally recognised for its underlying liquidity and capital strength, including “The Banker” 2012 Top 1000 Banks, ranked:#7 Highest Mover Asia Pacific region#4 Profit on Average Capital#3 Top 5 Returns on Capital in the Asia Pacific.

Awarded the “Best Bank Led Mobile Money Programme” in the World. World Connected Forum Awards, Dubai, November 2012. Sponsored by MasterCard Worldwide.

The BSP Group achieved a consolidated operating profit before tax of K607.0 million for the 2013 financial year, an 11.3% increase on the consolidated 2012 operating profit of K545.3 million.

Total assets of the bank at the end of 2013 are just over K15.324 billion.

1 Million active Retail Accounts in PNG, 200,000 in Fiji and 80,000 in Solomon Islands.

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“we put our customers first”Noelyn, Customer Service Officer

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A show of strengthBank of South Pacific Limited is PNG’s largest bank with over 50% share of the extensive PNG Banking market and operating in the Solomon Islands and Fiji.

BSP holds over 50% of the PNG banking market and is therefore larger than ANZ, Westpac and others combined in PNG.

BSP is strongly capitalised with a regulatory capital adequacy ratio of over 20%, and externally rated by Standard & Poors. We have branches on all major island centres in PNG, Solomon Islands, Fiji. > 1 million customer accounts throughout the South Pacific. We employ more people than each of our competitors. Our management team has over 368 years of collective experience in the South Pacific and International business environment.

2009 2010 2011 2012 2013

9.40 10.03

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2009 2010 2011 2012 2013

257.118

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283.147

355.947

407.744436.828

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2009 2010 2011 2012 2013

DiViDeNDS PaiD

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experienceOver 368 years of collective experience

in the South Pacific

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A clear statementBSP continues to provide value to its stakeholders through quality profitable growth, customer experience innovation, and team-orientated employee engagement.

Profit and Loss (K’000) 2008 2009 2010 2011 2012 2013Net interest income 377,100 473,969 544,002 597,479 681,554 740,857Non interest income 243,828 251,743 410,973 496,383 603,781 781,217Bad and doubtful debt(expense)/recovery (11,353) (15,020) (20,581) (25,234) (70,952) (78,573)Other operating expenses (229,599) (335,146) (522,827) (688,621) (748,346) (833,849)Operating profit 379,976 375,546 411,566 468,490 534,126 594,685Impairment of non-current asset (50,000) 2,372 - - - (14,967)Share of profit from associates - - - 6,496 11,170 12,270Profit before tax 328,798 378,143 410,804 474,986 545,296 606,955Income tax (expense) (100,464) (121,025) (127,657) (119,039) (137,552) (170,127)Profit/(loss) after tax 228,334 257,118 283,147 355,947 407,744 436,828

Dividends (toea) Dividends paid per share1 2.20 2.20 5.37 47.3 55.0 58.0

Balance Sheet (K’000) Net loans and advances 2,343,844 3,638,562 4,091,297 4,300,913 4,804,626 5,306,362Total assets 6,807,868 9,397,821 10,027,290 11,681,293 13,333,102 15,808,790Deposits 5,782,020 7,493,779 7,984,657 9,366,281 10,860,522 12,200,999Capital 744,254 934,097 1,134,397 1,344,188 1,465,893 1,619,060

Performance Ratios Return on assets 3.6% 3.2% 2.9% 3.3% 3.3% 3.0%Return on equity 34.7% 30.6% 27.4% 28.7% 29.0% 28.3%Expense/Income 45.0% 46.0% 54.7% 58.2% 55.3% 57.3%

Key Prudential Ratios Capital adequacy 22.8% 22.1% 23.6% 24.2% 22.3% 18.0%Liquid asset ratio 47.5% 50.1% 43.0% 43.6% 38.9% 41.78%Leverage ratio 10.4% 9.1% 10.5% 10.0% 9.0% 7.6%

Exchange rates (One (1) PNG Kina buys): US dollar 0.3735 0.3700 0.3785 0.4665 0.4755 0.3905AU dollar 0.5396 0.4127 0.3724 0.4591 0.4580 0.4369

(Source – Bank of Papua New Guinea Quarterly Economic Bulletin) _______________________

1Dividends per share has been adjusted for 1/10 share split 2008. In 2010, BSP paid a full and final dividend for the 2009 year in July, and an interim dividend for 2010 year, in November. Dividends per share has been adjusted for 10/1 share consolidation 2011. In 2011, BSP paid a full and final dividend for the 2010 year in June, and an interim dividend for 2011 year, in October. In 2012, BSP paid a final dividend for the 2011 year in June, and an interim dividend for 2012 year in October. In 2013, BSP paid a final dividend for the 2012 year in June, and an interim dividend for the 2013 year in October.

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Without continual growth and progress, such words as improvement, achievement, and success

have no meaning. Benjamin Franklin

Contributing to the communityBank South Pacific contributes more than great service and reliable banking solutions, it has helped sustain and grow the PNG community for several years. BSP continues to increase growth across the South Pacific.

All amounts are expressed in K’000 2009 2010 2011 2012 2013Company income taxes paid to PNG Government 101,372 213,771 119,590 212,080 155,391Other taxes paid toPNG Government (IWT, FCWT,BWT) 11,169 9,780 10,091 6,204 4,989Dividends paid 182,373 247,959 223,526 258,994 271,686Payments to PNG based suppliers/creditors 171,761 153,200 240,402 489,754 440,331Payments to PNG training institutions 1,858 2,908 2,133 8,471 6,468Superannuation payments 3,599 4,336 5,176 8,187 9,420Salaries paid in PNG 42,982 53,751 65,518 88,527 95,570Commercial rental payments 6,532 15,038 21,094 19,565 20,459Residential rental payments 2,612 2,745 10,396 33,609 36,408Water 178 169 144 90 1,069Power 5,319 5,067 5,544 11,489 13,930Telecommunication 8,006 8,986 8,507 14,809 18,417Total 537,761 717,710 712,121 1,151,779 1,074,138

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Rural and Regional CommunitiesAs well as providing quality banking for all, we are a major customer of industries and manufacturers throughout the South Pacific, in cities and rural environments.

Right across the country, we are committed to helping sustain the communities that support our branches, not just in terms of providing jobs and services, but also in creating a wider range of opportunities to foster closer links between our branches and the communities they serve.

Education and EmploymentAs one of the South Pacific’s biggest companies, we provide jobs for over 4,000 employees. We are also one of the region’s largest employers of trainees and apprentices.

We firmly believe that education is the most effective tool in breaking the cycle of economic and social disadvantage. With skills, every individual is much better placed to secure a job and able to enjoy some self-esteem and independence.

Our desire is to be more relevant and more regarded within the community to enable us to build better relationships across all sectors.

It’s the way BSP is working towards building deeper customer engagement and making a real difference - everyday.

What lies behind us and what lies before us

Ralph Waldo Emerson

are tiny matters, compared to what lies within us.

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sustainableWe are committed to help sustain the

communnities that support us

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A tradition of visionary thinking

We continue to invest in technology because we understand the economic benefits of meeting our customers’ growing needs, while also ensuring out staff have the systems to enable them to work to the best of their ability.

We have been developing solutions for the needs of rural-dwellers, with our new range of agencies and services - bringing modern city banking services to the most remote, previously unbanked areas.

BSP has made banking in the South Pacific more dynamic, straightforward and accessible than ever before, offering an unparalleled level of banking services to all.

The biggest advantage for our customers is access. In terms of scale, the BSP Group has a strong domestic presence with the largest customer base of any bank in the South Pacific and operates the largest financial services distribution network with the most points of access.

We have diversified from a branch-dominated banking system to local banking eco-systems which service semi-urban and rural areas. Our co-ordinated region-wide approach offers you unparalleled consistency, efficiency and reliability in our product and service offering. We operate the largest ATM and EFTPoS fleet across the South Pacific countries in which we are located.

BSP works to constantly reinvent banking with a host of developments that are already a reality today - or are well on the way to becoming so.

the first bank in the South Pacific to introduce Mobile Banking, SMS Banking; the first to introduce Galaxy Tablet technology enabling paperless account opening; the first bank to introduce Concierge banking in the South Pacific - BSP First; the first bank in PNG to introduce MasterCard Corporate Debit Cards; the introduction of real-time account transfers; the launch of BSP’s Online Business Banking, featuring superior functionality to view accounts, transfer money locally & overseas, BillPay, batch payments, e-statements, payroll management; the only bank in PNG with a 24/7 access Customer Service Centre.

The BSP story is full of groundbreaking innovations, such as:

From small rural communities to thecoastal towns and cities, we are

located right across the South Pacific.

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technologyBringing modern banking

services to all

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One Bank for AllA truly regional bank with global capability, BSP delivers world class banking services to almost two million personal and business banking customers.

We cater for a wide variety of customers, offering the latest in everyday banking as well as personalised Premium and Concierge full service, where microscopic attention to extra detail, service and privilege is part of the BSP banking experience.

Our business focus coupled with unrivalled experience, knowledge and relationship driven services and sophisticated products delivers for industry, irrespective of size and location.

An array of financial solutions, including fast, reliable and secure merchant products and services, for owner-managed small to medium sized enterprises with borrowing requirements of up to K1 million.

Small to Medium Enterprises

BSP Priority

BSP Rural

BSP Corporate

BSP Paramount

BSP First

Personal Banking Savings and transaction accounts, cards and foreign currency services, lending solutions including home and personal loans.

Electronic Banking Online banking, Mobile banking, Phone banking, ATM, EFTPoS, Western Union, International services.

A full array of financial solutions for medium to large sized enterprises trading domestically and internationally.

Relationship banking, specialising in Government/Institutional and landowner groups with access to BSP Premium Banking Centres.

Banking with Privileges - exclusive personalised concierge banking.

Banking with Advantages - Premium express teller service for Personal and SME customers.

BSP Rural is a wholly owned subsidiary of BSP, established to provide banking services to people living in rural areas throughout PNG and the South Pacific.

local knowledge is the key tobanking in the South Pacific.

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capabilityattention to detail, service and the

latest in everyday banking

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BSP CORPORATE Market Leading ResultsIn business flexibility is everything. BSP has a long history in assisting companies grow and create market value through strategic change.

We are ready for, and understand the challenges associated with doing business in PNG and the South Pacific - and will prove it at any time. We deliver complete “whole of bank” solutions to corporate and institutional businesses. Get maximum benefit from our international expertise and in-depth local knowledge to serve your banking needs in the region. We offer you an extensive range of services including personal financial services, private banking and corporate finance products, which include import-export, money markets, treasury and Foreign Currency.

We’re rated No.1 across a number of product capabilities including: interest rate risk management and complex structured finance and property development finance. At BSP, we are focused on understanding the needs of our clients. We invest the time and resources to gain an in-depth understanding of your objectives, and the key value drivers for your business.

We have the largest relationship management team with experienced relationship managers based in Port Moresby, Lae, Kokopo, Madang and Mt Hagen. We have world class financial solutions for BSP clients. BSP Online Business Banking is tailored for business clients, accessible globally 24/7. The system provides extensive functionality to view accounts, transfer money locally and overseas, BillPay, batch payments, download e-statements and manage payroll, supported by state-of-the-art security such as 128-bit Secure Socket Layer encryption and e-Token pass.

We have more local knowledge and expertise in PNG and the South Pacific than any other financial institution, so we know how to get things done. With infinite knowledge of the diverse cultures and people within the region, we have the ability to partner with you.

We offer global business tools. The BSP MasterCard Corporate Debit Card offers great flexibility, allowing payment of expenses globally, online monitoring 24/7, multiple card issuance, access via ATM and EFTPoS.

We have a 24/7 Customer Service Centre Access

We deliver banking services anywhere. We think creatively to deliver banking - where and how you need it. BSP was the first bank in PNG to design “containerised banking”, branches located for truly “off road” locations, allowing for a physical bank presence in the most remote, inhospitable and “unbanked” regions, fully equipped with modern banking technology and services.

We go where the other banks don’t. BSP Relationship Managers live by the BSP philosophy that “accessibility is everything”. There is no village too remote for a BSP Relationship Manager. This philosophy, combined with the largest branch network, expanding BSP Rural network and superior technology, reinforces the determination of BSP to deliver world class banking - where and when it’s needed, so that you can get on with business.

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partnershipJustin McGann, General ManagerCurtain Bros Papua New Guinea limitedBSP Customer

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TreasuryThe swiftest way to exchange currency is now also the most practical.

We offer a comprehensive foreign exchange service and competitive exchange rates. Rates are available in all freely floating currency pairs for value today, tomorrow or at spot.

Our Foreign Exchange specialists can design a foreign exchange solution to manage exposure to major, minor and emerging currencies, that delivers an appropriate level of certainty and opportunity for your business, while minimising risk. BSP’s Greenback eSaver account is an online, at call US dollar account. The account offers a competitive interest rate calculated daily for those customers who wish to hold funds in USD. The Greenback eSaver account can be used to mitigate the risk of adverse exchange rate movements whilst allowing ready access to your USD funds.

Paramount BankingBanking without Frontiers.

Paramount Banking is a highly specialised Relationship Management Team with expertise in dealings with Government, Landowner groups and related businesses.

Paramount customers enjoy access, and a one-stop banking experience at all BSP Premium Banking centres - where all banking can be transacted at one convenient location in quiet, relaxed surroundings.

A dedicated Relationship Manager ensures every aspect of banking is dealt with and works in partnership with Paramount Banking customers to ensure that doing business in PNG and the South Pacific is a seamless, efficient and enjoyable process.

Paramount Banking is available to those Corporate/Commercial clients who meet certain criteria, including maintaining deposit accounts to a specified value (or equivalent in borrowings with BSP).

When i was young i used to think that moneywas the most important thing in life;

now that i am old, i know it is. Oscar Wilde

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integrityOur dedication ensures that doing businessis a seamless, efficient and enjoyable process

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BSP Premium Busy Life. Fast Banking. Perfection is a moving target. The closer you get to reaching it, the smaller the improvements you have to make, and the harder they are to get right. But every day, BSP strives to take these steps.

Out of the design department and into real life, are a new set of ways to bank, with new Premium Service Banking environments - to make banking better, to create the ultimate seamless banking experience.

BSP Express Priority Tellers are located throughout the BSP branch network and available to all BSP premium banking customers i.e. BSP Priority and BSP First customers. When you have to transact business at any bank, and time is of the essence, the BSP Express Priority Teller is the way to ensure that busy life means fast banking.

BSP Express

Because we are constantly seeking new improvements to banking, are an innovation leader, and a company that understands the importance of the right environment for business, we have created new Premium Banking Centres for our BSP Priority and BSP First customers.

These exclusive banking precincts are quiet, safe and professional environments where all your banking needs are handled in a priority way. When you are a BSP Priority customer - you’ll enjoy Banking with Advantages.

BSP Priority

BSP First means total attention to detail, with an individually tailored package of exclusive banking services, allowing you to simplify the management of your personal financial assets and liabilities, accessible globally.

This is a new level of privilege, with luxurious banking lounges and banking precincts throughout the South Pacific creating an environment where doing banking, and business, is a pleasure. As a BSP First client, you have a dedicated Personal Banker committed to you. The single point of contact ensures a new level of efficiency for everyday banking to complex strategic financial planning and management.

BSP First clients are discerning and diverse, Industry leaders and the most influential families all share the same expectation of personal attention and the ability to deliver.

Benefit from a package of tailored banking services, including on-line services such as bill pay, electronic payments, and a BSP First branded Platinum VISA debit card, to provide convenience in banking wherever you are in the world. BSP First provides a prioritised tailored competitive lending capability to enhance client liquidity and flexibility.

BSP First is the ultimate way to bank – new banking centres with state of the art facilities, smart technology and modern design re-define the words quality and luxury, delivering on service support.

In a world where you expect the best, BSP is a bank that delivers. BSP First - Banking with Privileges.

BSP First

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exclusive in a world where you expectthe best, BSP is a bank that delivers

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BSP Retail BankingBreaking new banking ground The retail sector is one of the most dynamic and competitive, and as BSP is “the local bank” of the South Pacific Bank we are well placed to understand and help retailers enhance customer loyalty, increase margins and achieve sustainable profit growth.

Our dedicated team has “on the ground” knowledge of the issues facing the sector and can help uncover opportunities for growth. Over the last three years our Bank had a huge range of service improvements and product innovation. These are included below and just a few of the great reasons to choose BSP:

Introduction of BSP First, the first concierge personal banking service available in PNG and the South Pacific, delivering a new range of Banking with Privileges.

Introduction of BSP Priority, the first premium express teller service for Personal and SME Customers providing “Banking with Advantages”.

Introduction of BSP Sub - Branches, providing financial services to those living in remote areas of PNG and roll out of network of 42 locations throughout PNG.

Introduction of new BSP Online Internet Banking, offering the most powerful banking functionality 24/7 of any internet banking available.

Introduction of new enhanced features for Mobile Banking, including agents ability to accept deposit transactions from customers.

Introduction of Salary Alerts using SMS messaging.

Introduction of 24/7 Customer Service Centre.

Largest banking ATM network in the South Pacific. PNG - 300, Fiji - 106, Solomon Islands - 20.

Expansion of the largest EFTPoS network in the South Pacific. PNG - 11,702, Fiji - 1,760, Solomon Islands - 120.

Introduction to BSP’s Mobile Banking channel in 2013 a domestic remittance product, known as Wantok Moni which facilitates the remittance of money from BSP customers to non-banked relatives and friends.

The most powerful and accessible bank in the South Pacific.

At BSP, we understand innovation is an essential element of modern life. So why should this not also apply to the ways in which we bank?

We are committed to search for innovative ideas and visionary solutions to enhance BSP’s banking services to provide easy and convenient banking for all our customers, day and night.

In 2013, the expansion of branches, sub-branches and agencies into rural areas of PNG was supplemented by the continued roll-out of EFTPoS merchant facilities and this greatly increased people’s access to banking.

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“BSP helped grow my business”

Sally, Business OwnerBSP Customer for over 7 years

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Reaching Rural AreasBSP is the first to use technology to deliver innovative banking services to the most remote rural areas in PNG and banking the unbanked. BSP is extending the reach of BSP to rural Papua New Guinea, connecting geographically disadvantaged households and businesses with their bank.

Through an expanded network of Sub Branches, Agents and Commodity Buyers and in collaboration with local communities, BSP is delivering the very best banking services for a range of diverse customers - close to customers’ homes.

This growing “ecosystem” of currently 39 BSP Sub Branch 226 Agent locations in PNG offers entrepreneurial opportunities for Agents. The main objective is to provide basic banking services to the unbanked population of Papua New Guinea. This initiative supports the Government’s Vision 2050 in improving services at district level and delivering banking services to the majority.

BSP is not only setting up access points around the country, it is also opening Kundu Accounts for people in remote/rural areas, using cutting edge technology to reach more customers to open new accounts and thus increasing financial inclusion.

Armed with Computer Tablet, with a wireless card swipe and using that Computer Tablet, BSP Teams can open an account anywhere in the country in very remote areas in 5 minutes and give the customer their debit card so they can walk up to the next ATM, EFTPoS or trade store and withdraw money or transact immediately.

BSP Rural has been rolling out its Mobile Banking services that provide immediate and secure mobile payments to commodity growers, and access points for rural people to access their bank accounts.

Farmers can now get paid electronically – through their mobile phones. It’s cheaper and faster. The mobile banking service allows buyers to transfer payments to growers’ bank accounts via their mobile phones. Funds can be withdrawn using a KunduCard at EFTPoS machines, ATMs, bank branches, or at local shops that operate as agents for the bank.

BSP’s Mobile Banking payment services enable rural-dwellers to receive payments directly to their bank accounts via mobile phones. The service is instantaneous and funds are immediately cleared and available.

The risks associated with holding cash and the need to travel long distances to a bank branch have been eliminated by the use of electronic banking. Payments are made directly to bank accounts, cleared immediately and accessible using the KunduCard at EFTPoS, ATMs, Agents, and Branches. All funds are kept in real bank accounts giving the best combination of security and accessibility.

The provision of quick and safe ways for business owners to send and receive money in rural areas is helping to grow local economies and promote secure saving.

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opportunity To innovate the way we bankin the South Pacific to service

remote rural areas

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Beyond Banking We recognise that as the dominant bank we have a special responsibility to our customers and the communities of which we are both a part.

Our responsibility is an integral part of our strategy and our approach to corporate responsibility integral to our strategies for growth and development and is our committed approach to Corporate Responsibility.

We believe in the ethos of people, planet and profit - we know we can bring about positive change. We are using our branches and our people in line with this thinking - as centres of transformational change. BSP is committed to supporting quality grassroots initiatives with sustainable outcomes and does so through supporting partnerships with community organisations and charities in four core areas.

Health & WellbeingWe believe that one of the best ways of contributing to the growth and development of the South Pacific is by ensuring it is a region of healthy and happy individuals, families and communities.

Given the number and diversity of the communities that we serve throughout Papua New Guinea and the South Pacific, we are extremely well placed to identify these issues and make a major contribution, in the areas of health, arts and culture, education and enterprise, environment and community.

The BSP Community Programme is a good example of the way in which branches, people and goal-orientated events and projects organised on a regular basis, can benefit communities and change lives. In 2013, local community projects were delivered by bank staff in PNG, Fiji and the Solomon Islands.

Over the years BSP has won many accolades, many of which reflect BSP’s long term commitment to care and contribute. The global award winning children’s cricket programme, BSP School Kriket, achieved the ambitious target of reaching more than 130,000 school children in 2013. The programme has been awarded the Best Junior Development Programme with the International Cricket Council’s (ICC) East Asia Pacific Award for three years running. In 2013, the program saw record participation with 171,578 students and children participating in 10 regions, 297 schools and 136 clinics across the country. With a focus on activities that improve the health and well being of lives captured at a young age, this is real investment in the future by BSP, encouraging “Sport for Life”.

Sustainability & EnvironmentBeyond pure business and cost considerations, BSP is aware of the part it can play in regard to climate change and its potential long-term effects on the South Pacific and the planet.

As the greenest bank in the region, we understand, too, that these concerns are shared by our customers and the communities we serve. They expect and appreciate steps we take to be part of the solution.

Our Sustainability Strategy is firmly entrenched within the organisation and community investmentactivities will help make this commitment tangible to our customers, staff and other key stakeholders.

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understandingStrategies for growth and development

in the communities in which we operate

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BSP and Curtain Bros

“We started banking with BSP in 1998.Curtain Bros chooses to bank with BSP because

unlike most banks BSP deals with Curtain Bros like a business partner. in BSP’s dealings with

Curtain Bros, BSP has shown a high level of commitment to providing good service. Curtain Bros appreciates the approach BSP takes, always

looking for a positive outcome, and is able to adapt.

BSP, it’s how we bank.”Justin McGann, General Manager

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AITAPE 457 2042Branch Manager Alex Wafimbi-----------------------------------------------------------------------------------ALOTAU 641 1284Branch Manager Ben Umba-----------------------------------------------------------------------------------ARAWA 276 9244Branch Manager Patrick Buibui-----------------------------------------------------------------------------------BIALLA 983 1095Branch Manager Mary Koi-----------------------------------------------------------------------------------BOROKO 323 2288Branch Manager Anne BaniyamaiPremium Centre 303 4354 Sheila John -----------------------------------------------------------------------------------BSP Harbour City 305 6151Branch Manager Alex KunaPremium Centre 305 6189 Bau Kiso-----------------------------------------------------------------------------------BSP FIRST, Harbour City 305 6503Branch Manager Lama Orea-----------------------------------------------------------------------------------BUKA 973 9042Branch Manager Julie WarrenPremium Centre 973 9087-----------------------------------------------------------------------------------BULOLO 474 5366Branch Manager Joe Makinta-----------------------------------------------------------------------------------GORDONS PREMIUM CENTRE 325 5999Branch Manager Maureen Wanu

BSP FIRST, Gordons 302 5245Branch Manager Barry Namongo-----------------------------------------------------------------------------------DARU 645 9062Branch Manager Ivy David-----------------------------------------------------------------------------------GOROKA 532 1633Branch Manager Livikonimo Koki-----------------------------------------------------------------------------------KAINANTU 537 1065Branch Manager Marco Hamen-----------------------------------------------------------------------------------KAVIENG 984 2066Branch Manager Madeleine LekaPremium Centre 984 2100-----------------------------------------------------------------------------------KIMBE 983 5166Branch Manager Misbil Alfred-----------------------------------------------------------------------------------KIUNGA 649 1073Branch Manager Suya Yopahafo-----------------------------------------------------------------------------------KOKOPO 982 9088Branch Manager Robinson PanakoPremium Centre 982 9068 Jennifer Tiolam

-----------------------------------------------------------------------------------KUNDIAWA 535 1025Branch Manager Rita Singut-----------------------------------------------------------------------------------LAE TOP TOWN 473 9801Branch Manager Joseph WasPremium Centre 473 4814 Mona Teloti -----------------------------------------------------------------------------------LAE COMMERCIAL 473 9800Branch Manager Agnes Mark-----------------------------------------------------------------------------------LAE MARKET 473 9606Branch Manager Josephine Komoru-----------------------------------------------------------------------------------LIHIR 986 4052Branch Manager Kalat Tiriman-----------------------------------------------------------------------------------LORENGAU 970 9050Branch Manager Quillan Nongi-----------------------------------------------------------------------------------MADANG 422 2477Branch Manager Cecilia PasumPremium Centre 422 2621 Christine Mes-----------------------------------------------------------------------------------MENDI 549 1070Branch Manager Billy Veveloga-----------------------------------------------------------------------------------MORO 276 1566Branch Manager Meck Kaum-----------------------------------------------------------------------------------MOTUKEA 321 7701Branch Manager Jenny Joel -----------------------------------------------------------------------------------MOUNT HAGEN 542 1877Branch Manager Mary KundiPremium Centre Ruth Kagl-----------------------------------------------------------------------------------POPONDETTA 629 7171Branch Manager Anthonia Dru-----------------------------------------------------------------------------------PORGERA 547 6900Branch Manager John Basanu-----------------------------------------------------------------------------------PORT MORESBY 322 9790Branch Manager Rarua KemaPremium Centre 305 7943

Lina PopalBSP FIRST PORT MORESBY 305 7731Branch Manager Emily Basil-----------------------------------------------------------------------------------RABAUL 982 1744Branch Manager Bevilon Homuo-----------------------------------------------------------------------------------TABUBIL 649 9179Branch Manager Tony Waningu-----------------------------------------------------------------------------------TARI 276 1650Branch Manager Gabriel Ak-----------------------------------------------------------------------------------

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29

VANIMO 457 1209Branch Manager Karen George-----------------------------------------------------------------------------------VISION CITY 310 0008Branch Manager Sibona KemaPremium Centre 300 9103 Damaris ToranBSP First 310 0008 Dianne Sawala-----------------------------------------------------------------------------------WABAG 547 1176Branch Manager Jerry Marie-----------------------------------------------------------------------------------WAIGANI BANKING CENTRE 300 9600Branch Manager Jeffery SingerPremium Centre 300 9645 Lorraine Siaoa-----------------------------------------------------------------------------------WAIGANI DRIVE 302 5301Branch Manager Mathias Manowo-----------------------------------------------------------------------------------WATERFRONT PLACE 305 6408Team Leader Eric Tasman-----------------------------------------------------------------------------------WEWAK 456 2344Branch Manager Albert Seri-----------------------------------------------------------------------------------

BSP Sub Branch - PNG

AIYURA 7230 8313Cribia Albert

-----------------------------------------------------------------------------------BANZ 7100 9078

Kessy Elly Sammy-----------------------------------------------------------------------------------BUIN 7100 7855

Melchior Tania-----------------------------------------------------------------------------------CHUAVE 7197 6001

Maxie Joe-----------------------------------------------------------------------------------DAULO 7100 6763

Delilah Gahale-----------------------------------------------------------------------------------GEMBOGL 7313 4177

William Koima-----------------------------------------------------------------------------------GUMINE 7100 7860

John Sii-----------------------------------------------------------------------------------HENGANOFI 7100 7859

Amos James-----------------------------------------------------------------------------------HOSKINS 7031 2627

Ruddy Samson-----------------------------------------------------------------------------------IALIBU 7197 6004

Mathew Garu-----------------------------------------------------------------------------------KABWUM 7346 1426

Rachael Watu-----------------------------------------------------------------------------------

KAMTAI 7243 4695Robert Kom

-----------------------------------------------------------------------------------KEREVAT 7190 8231

Kilala Kindau-----------------------------------------------------------------------------------

KEROWAGI 7100 9077Leah Taia

-----------------------------------------------------------------------------------KINIM 7100 7861

Malapun Bannick-----------------------------------------------------------------------------------

KOMO 7362 0760Lobe Arawi

-----------------------------------------------------------------------------------KONOS 7197 6006

Maureen Nick-----------------------------------------------------------------------------------

KUPIANO 7288 4140Andrew Baine Jnr

-----------------------------------------------------------------------------------LABA 7197 6008

Auda Morea-----------------------------------------------------------------------------------

LAIAGAM 7196 6002Roselyn Joel

-----------------------------------------------------------------------------------LAKURUMAU 7197 6005

Christine Gawi Frank-----------------------------------------------------------------------------------

LOUSIA 7031 2617Lorna Solomon

-----------------------------------------------------------------------------------LUFA 7100 6761

Vida Kemati-----------------------------------------------------------------------------------

MAPRIK 7168 7815Christian Tatu

-----------------------------------------------------------------------------------MINJ 7100 9076

Pauline Kapal-----------------------------------------------------------------------------------

MUTZING 7100 2488Frank Godfrey

-----------------------------------------------------------------------------------NAMATANAI 7197 6007

Mathew Tabakas-----------------------------------------------------------------------------------

NINGERUM 7031 8497Mathew Tware

-----------------------------------------------------------------------------------OKAPA 7374 5623

Mele Aron-----------------------------------------------------------------------------------

PALMALMAL 7323 9181Freda Nablup

-----------------------------------------------------------------------------------PANGIA 7197 6003

Philemon Kambu ----------------------------------------------------------------------------------

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TAMBUL 7100 7863Joseph Wanjil

-----------------------------------------------------------------------------------TELEFOMIN 7255 8421

Donna Yarkin-----------------------------------------------------------------------------------WAKUNAI 7100 7856

Melvin Kusa-----------------------------------------------------------------------------------WALIUM 7106 8357

Brenda Igusam-----------------------------------------------------------------------------------WAPENAMANDA 7100 7862

Grace Reto-----------------------------------------------------------------------------------YANGORU 7127 0000

Michael Paul Java-----------------------------------------------------------------------------------YONKI 7185 5768

Usick Asino-----------------------------------------------------------------------------------ZENAG 7318 5855

Nicko Morris-----------------------------------------------------------------------------------

FIJI (679) 330 4011Country Head Kevin McCarthy-----------------------------------------------------------------------------------BA (679) 662 7335Branch Manager Anupa Kumar-----------------------------------------------------------------------------------DAMODAR (679) 321 4311Branch Manager Manjila Goundar-----------------------------------------------------------------------------------LABASA (679) 881 1360Branch Manager Eka Seduadua-----------------------------------------------------------------------------------LAUTOKA (679) 666 2466Branch Manager Josefa Tuitubou-----------------------------------------------------------------------------------NADI (679) 662 7310Branch Manager Davendran Pillay-----------------------------------------------------------------------------------NAMAKA (679) 662 7320Branch Manager Madhur Lata Kumar-----------------------------------------------------------------------------------NAUSORI (679) 347 8499Branch Manager Shailendra Roy-----------------------------------------------------------------------------------PACIFIC HARBOUR (679) 345 2030Officer in Charge Naomi Waqa-----------------------------------------------------------------------------------PACIFIC HOUSE (679) 321 4580Officer in Charge Shalit KumarRAKIRAKI (679) 662 7341Officer in Charge Ronika Prakash-----------------------------------------------------------------------------------SAMABULA (679) 338 7999Branch Manager Anand Nair-----------------------------------------------------------------------------------SAVUSAVU (679) 885 0221Officer in Charge Vineeta Prasad-----------------------------------------------------------------------------------

SIGATOKA (679) 662 7332Branch Manager Reginald Kumar-----------------------------------------------------------------------------------SUVA – CENTRAL (679) 321 4455Branch Manager Arif Mohammed-----------------------------------------------------------------------------------TAVEUNI (679) 888 0433Branch Manager Marica Mara-----------------------------------------------------------------------------------TAVUA (679) 662 7338Officer in Charge Sanjeev Sumer-----------------------------------------------------------------------------------THOMSON ST (679) 321 4671Branch Manager Rajesh Chand-----------------------------------------------------------------------------------VALELEVU (679) 334 2333Officer in Charge Sera Petueli-----------------------------------------------------------------------------------BSP FIRST SUVA (679) 323 4232Premium Centre SUVA Manager Mereani Peters---------------------------------------------------------------------------------- BSP FIRST NADI (679) 6705101Premium Centre NADI Lice TogaManager Albertina Lilo---------------------------------------------------------------------------------- BSP FIRST LAUTOKA (679) 6660180Premium Centre LAUTOKA Meri QuminakeloManager Albertina Lilo

-----------------------------------------------------------------------------------

SOLOMON ISLANDS (677) 21874Country Head David Anderson----------------------------------------------------------------------------------AUKI (677) 40484Branch Manager Samuel Misi----------------------------------------------------------------------------------COMMERCIAL BANKING (677) 23620Branch Manager Rose Murray----------------------------------------------------------------------------------GIZO (677) 60539Relieving Branch Manager Clotilda Londeka----------------------------------------------------------------------------------HONIARA (677) 21814Branch Manager Michael Kahamana----------------------------------------------------------------------------------MUNDA (677) 62177Branch Manager Rebecca Hickie----------------------------------------------------------------------------------NORO (677) 61222Branch Manager Tewia Laore----------------------------------------------------------------------------------POINT CRUZ (677) 21874Branch Manager Rose Funa----------------------------------------------------------------------------------RANADI (677) 39403Branch Manager Joy Vave----------------------------------------------------------------------------------

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31

Welcometo the Leading Bank of the South Pacific

Bank of South Pacific Limited

BSP Head OfficeP.O. Box 78Cnr Douglas Street & Musgrave StreetPort Moresby NCD, Papua New Guinea

320 1212www.bsp.com.pg