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Other includes all countries outside the African continent.

Management has determined the operating segments based on the reports reviewed by the Executive Committee that are used to make strategic decisions. The Executive Committee considers the business primarily from a product perspective. The products are segmented into financing activities and non-financing activities.

Segment assets consist primarily of loans, advances, investments, property, plant and equipment, and cash and cash equivalents. Segment liabilities comprise non-current and current liabilities.

Capital expenditure comprises additions to property, plant and equipment.