#1Stanbic Holdings Plc FINANCIAL RESULTS PRESENTATION for the year ended 31 December 2022 Kenya / South Sudan is our home, we drive her growth B Stanbic Bank Stanbic IT CAN BE..#202 TABLE OF CONTENTS 01 Operating Environment 02 Delivering Our Strategy 03 Sustainable Returns Stanbic IT CAN BE..#3are 03 OPERATING ENVIRONMENT Joshua Oigara Chief Executive, Stanbic Bank KES 4.98 B TOTAL DIVIDEND 2022: 55% of profit after tax (2021: 50%) 1111 THRO Stanbic IT CAN BE.. 48881#4WE ARE PART OF WE ARE PART OF THE LARGEST FINANCIAL SERVICES GROUP IN AFRICA 70 04 117 YEARS Total turnover >USD 800M One Bank with borderless banking * H E ICBC Strategic co-operation with largest bank in the world Stanbic Kenya . Established in 1911 • 74.92% owned by Standard Bank 29 branches • 857 agent outlets Stanbic Uganda Established in 1906 • 69 Branches • 11 service point Stanbic Tanzania . Established in 1995 ⚫ 11 Branches . Stanbic South Sudan • Established in 2012 . • 1 Branch • 2 points of representation Stanbic IT CAN BE..#505 /OPERATING ENVIRONMENT Operating environment characterised by currency depreciation and rising inflation, however we remain well positioned to navigate these challenges GDP growth rates Inflation Rates 10.0% 8.0% 7.5% 4.7% 6.4% 80.0% 70.0% 69.4% 4.6% 6.0% 5.9% 60.0% 4.9% 4.5% 5.5% 4.0% 4.8% 50.0% 4.6% 40.0% 2.9% 3.9% 2.0% 30.0% 0.0% 20.0% -0.3% 5.6% -2.0% -4.0% -0.3% -2.8% 10.0% 3.2% 0.0% 2.5% -5.0% -10.0% -6.0% 2020 2021 2022e 2023f -20.0% Kenya Uganda Tanzania Source: Standard Bank Reseach Central Bank Rates 20.0% 15.0% 15.0% 10.0% 7.0% 7.0% 5.0% 5.0% 0.0% South Sudan 15.0% 7.0% 6.5% 15.0% 10.0% 8.75% 5.0% 5.0% 2020 2021 2022 Kenya Uganda Tanzania South Sudan 2020 Kenya Uganda 14.0% 5.7% 4.2% 2.9% 10.2% 9.1% 4.8% -11.6% 2022 2021 Tanzania South Sudan GDP - Oil investments likely to boost growth in Uganda, rebounding Agriculture in Kenya, pro business approach in Tanzania and rise in global oil prices to boost growth in South Sudan ☛ Inflationary pressures due to: Rise in prices of oil and other imported goods as a result of disruption in global supply chains •Depreciation of local currencies against the US dollar ☛ Increase in Policy rates for Kenya and Uganda while South Sudan reduced its policy rate to 12% in 2022 Stanbic IT CAN BE TM#6/OPERATING ENVIRONMENT Improved Macro Outlook • Improved macroeconomic environment across the region with strong projected GDP growth rates Recovery in Business Conditions • Improved confidence in the business environment in Kenya following peaceful general elections and a seamless transition 06 Improved Consumer Environment • • Improvement in employment levels and access to credit (%) Tailwinds Headwinds Geopolitical Risk Russia-Ukraine war has • resulted to increased geopolitical risks, weaker • economic growth, higher inflation and supply chain disruptions Delayed implementation of Revitalized Peace agreement in South Sudan Inflation Increasing cost of operations High inflation rates in the US led the US FED to raise interest rates, a move that drove risk-off position to frontier market investments Currency Pressure • Sustained pressure on currency and consumer wallet with rising inflation#707 H DELIVERING OUR STRATEGY Joshua Oigara Chief Executive, Stanbic Bank 15.3% RETURN ON EQUITY (UP 200bps) Stanbic IT CAN BE..#8/2022 WAS YEAR 2 OF OUR STRATEGY Delivering our strategy: Recap of our strategy Our Purpose: Kenya/South Sudan is our home, we drive her growth Our Vision: To be a leading financial services organisation in Kenya and South Sudan, delivering exceptional client experiences and superior value * Our strategic priorities: What we need to do to deliver our purpose Transform client experience Our Technology priorities: Execute with excellence Drive sustainable growth and value The platforms we need to deliver on our purpose Always On - Always Secure Our culture priorities: Future proof platforms Automation & Digitization How we need to behave to deliver our purpose and people promise Embed Agile Ways of Work 5Cs: Client First, Care for Colleague, Collaboration, Courage, Continuous Innovation & Entrepreneurship Mindset iDEWS: Innovate, Decide, Execute, Work as a team, Share Information Stanbic IT CAN BE.. Our Client success measures: Focus Employee Engagement Risk and Conduct + Operational Excellence Financial outcome + SEE Impact 6 value drivers 80 08#914 PRIORITY AREAS TO DRIVE GROWTH & FUTURE-READY TRANSFORMATION Delivering our strategy: Our 3-year strategic aspiration & key focus areas are in motion Strengthen core Build on existing capabilities and right-to-win Value focus: Accelerate organic growth Future-ready transformation Develop new capabilities and business models. Volume focus: Exponentially grow business 1 90 09 Build on strong position by increasing SoW in MNCs and capturing more LLCs within risk appetite 2 Focus Segments Drive step change in customer acquisition and primacy - targeting high value clients first Corporate Clients, Business and Commercial Clients, Consumer and High Net worth clients Launch 6 ecosystem plays 3 4. Acquire/Partner with FinTech & MNOS Focus Segments All segments (esp. SMEs and Main Markets) Stanbic IT CAN BE TM#1010 STRENGTHENING THE CORE Delivering our strategy: Defending our current client franchise and market positions Staying true to our purpose Consumer Engagement Tellers Infrastructure • Loans issued: KES 15b (2021: KES 3.9b) 3 New Branches • Nairobi Express way Kericho • Imara DADA (Women Support) Dada @3 celebration Loans issued: KES 7.7b (2021: KES 3.6b) Affordable Housing • Loans issued: KES 267m • 'Zero fees' campaign for Vehicle Asset Financing & Mortgage (KES 5b loans) Liability campaign (12% YoY growth in deposits) Customer Engagement • CSI score 8.4 (2021: 8.2) • NPS Score +38 (2021: +33) SME • 30k loans issued valued at KES 33b (2021: 23k loans valued at KES 24b) Kenswitch POSTBANK Agency Banking Post Bank Partnership . Agent outlets - 857 (2021: 172) Customer Number Growth • Total customer base grew by 19% YoY Stanbic IT CAN BE..#1111 Branch vs Digital Transactions DELIVERING OUR STRATEGY - FUTURE READY TRANSFORMATION (GROW) Delivering our strategy: Driving business growth and value Accelerating digital banking 898 O Digital Lending (inc. Mjeki) Instant loans: KES 36.7b (2021 KES 27.6b) Customer Onboarding • Over 95% accounts opened digitally Digital Distributor Financing (Mjeki) • Loans issued: KES 28.7b (2021 KES 20.6b) Chama App ⚫ 3,650 users SBGS - Trader App • Real time trading Process efficiency Cloud journey continues; more workloads on cloud Bots for internal I processes and customer interactions Digitised risk and compliance processes API gateway 7% Physical 93% Digital 93% of transactions were on digital channels (100bps up year on year) Stanbic IT CAN BE TM#1212 DELIVERING OUR STRATEGY - DRIVING IMPACTFUL GROWTH Infrastructure The Bank partnered with Moja Expressway to facilitate toll collections on the Nairobi Expressway Impact Jobs created for > 6,000 people Cement and Steel 40% of the contract value was sourced locally >10m users to date | Reducing travel time from 180 mins to 40 mins per round trip ICEALION GYM Stanbic IT CAN BE...#1313 DELIVERING OUR STRATEGY - DRIVING SUSTAINABLE GROWTH Enterprise Development & Financial Inclusion • KES 76m in grants and catalytic funding disbursed to over 400 MSMEs (In partnership with strategic partners) Education Health - Cancer Screening Stanbic Bank 15,582 individuals screened free of charge (2021: 10,012) ANY TIME IS NUMI TIME. GETS YOU GO KEEPS YOU GO • Over 100k individuals trained on digital literacy (futureNidigital) • 163 computers donated to support education in counties • KES 2.5m spent on education to support needy children • 1,200 needy children in primary school fed daily since July 2022 • Financial fitness academies - 6,780 individuals trained • Partnered with the British High Commission to train over 40 Judicial officers on the role of financial institutions in disruption of terrorist financing Stanbic IT CAN BE..#1414 /TRUSTED FINANCIAL PARTNER What are we known for? Best Investment Bank in Kenya 2013-2022 Best Trade Finance Bank in Kenya 2016-2022 Best Private Bank in Kenya 2017-2019 Best FX provider in Kenya 2014 - 2018 Best Corporate Bank 2016, 2017 Safest Bank in Kenya 2017-2018 2022 Accolades Kenya's Best Investment Bank Euromoney 2022 (4th time in a row) 4664 Financial Reporting Awards (FIRE Awards, 2022) • Overall Winner • Best in Kenya • Best listed company WAB GTR • Best Bank • Best in IFRS reporting Leaders in Trade AFRICA FINANCIAL Best Trade Finance Bank in Kenya GTR 2022 KEPSA Gender Mainstreaming Award The Women on Boards Network, 2022 WOEN CANARGE THE WOREN ON BOARDS HETWORK (WON AWARDS 3032 EPSA Gender Mainang and Winner Startic Back Kany Financial Leadership Award Winner Women Business Awards 2022 Stanbic IT CAN BE..#1515 DELIVERING SUSTAINABLE RETURNS Dennis Musau Chief Financial and Value Officer KES 9.1 B PROFIT AFTER TAX (UP 26%) Stanbic IT CAN BE..#1616 /HOW WE HOW WE RESPONDED IN DELIVERING ON OUR 2022 PURPOSE Kenya / South Sudan is our home, we drive her growth What did we do? • Focused execution of strategy • Investment in people and technology • Future Ready Transformation structure implementation • Enhancement of control environment The Results . Delivering on our purpose Business growth (double digit growth in key balance sheet metrics) Resilience despite a challenging year; rising interest rates, high inflation, electioneering period Kenya/South Sudan is our home, we drive her growth • Double digit growth in profit • . Improved Return on Equity Impactful SEE engagements in Kenya and South Sudan Stanbic IT CAN BE..#1717 INCOME STATEMENT HIGHLIGHTS KES Revenue 32.1b 2021: KES 24.9b ↑ 28% 5.4% Net interest margin 2021: 4.4% 46.7% Cost to income 2021:50.9% 100 bps 420bps KES 9.1b Profit after tax 2021: KES 7.2b 15.3% Return on Equity 2021: 13.3% 26% 200bps KES 22.92 Earnings per share 2021: KES 18.23 26% 2.21% Credit loss ratio 2021: 1.4% 81bps KES 12.60 Dividends per share 2021: KES 9.00 40% Stanbic IT CAN BE..#1818 STRONG CONSISTENT GROWTH IN OUR PERFORMANCE Dec Dec Change 2022 2021 % KES M KES M Net interest income 18,945 14,373 32% Non-interest income 13,139 10,616 24% Total income 32,084 24,989 28 Operating expenses (14,968) (12,709) (18) Pre-provision profit 17,116 12,280 39 Credit impairment charges (4,944) (2,524) (96) Profit before tax 12,172 9,756 25 Tax (3,112) (2,548) (22) Profit after tax 9,060 7,208 26 Key Takeouts The Group (Kenya Bank, South Sudan branch, SBG Securities and Stanbic Insurance Agency Limited) reported a profit after tax of KES 9.1b; Improvement in Net Interest Income on the back of growth in the lending book and improved margins Non-interest income YoY growth mainly driven by growth in trading revenue supported by increased volatility in the foreign exchange market, closure of key Investment Banking deals and rebound of trade finance activity Increase in credit impairment charges mirroring tough operating environment Costs growth reflecting the high inflationary pressure coupled with investment in better technology to enhance client experience, tighten cyber defence and key investments to support our strategy Stanbic IT CAN BE...#1919 STEADY GROWTH IN ALL INCOME LINES KES Millions 30,000 26,087 25,000 20,000 15,000 10,000 7,142 5,000 20,567 18,945 6,194 Dec 2022 Dec 2021 Interest expense |Net interest income KES Millions 15000 12000 14,373 9000 Interest income Net interest income increased year on year by 32% mainly explained by growth in the lending book and improved margins Dec 2022 59% 41% Dec 2021 42% 58% Net Interest income Non interest revenue 6000 3000 8,986 4,153 Dec 2022 Dec 2021 Trading and other income Net fees and commision Key Takeouts Growth in trading and other income due to higher margins and increase in client flows 6,484 4,132#2020 OPERATING EXPENSES AND CREDIT IMPAIRMENT KES Millions 15,000 KES Millions 6,000 52.0% 4,944 51.0% 5,000 4,801 50.9% 12,000 6,190 7,689 50.0% 4,000 49.0% 9,000 3,000 2,569 2,524 48.0% 6,000 3,000 46.7% 2,000 47.0% 6,519 46.0% 1,000 7,279 45.0% 143 0 44.0% -45 0 Dec 2022 Dec 2021 -1,000 Dec 2022 Dec 2021 Other opertating expenses Staff costs CTI Credit impairment General credit provision Specific credit provision Operating costs: driven by investment in people, technology and business growth Decline in cost to income ratio due to revenue growing faster than costs Growth in impairment charges mainly within Corporate and Investment Banking and Consumer and High net worth clients#2121 /BALANCE SHEET HIGHLIGHTS KES 400b Total assets KES Customer loans 2021: KES 329b ↑22% 236b 2021: KES 185b ↑27% KES 272b Customer deposits 2021: KES 242b ↑ 12% 9.07% NPL ratio 2021: 9.25% 45.2% Liquidity ratio Statutory minimum: 20% Total capital ratio 16.8% Statutory minimum:14.5% 18bps Stanbic IT CAN BE.. TM#22/GROWTH IN KEY PERFORMANCE DRIVERS Dec 2022 KES M Dec 2021 KES M Change % Strong growth in customer loans with a 27% YoY growth underpinned by demand in Oil & Gas and Power and infrastructure sectors as we continue to support our customers Strong growth in customer deposits demonstrating the trust our customers have in us and successful liability drive campaigns Assets Financial investments 83,551 Loans and advances to banks 30,962 59,535 44,008 (30%) 40% Loans and advances to customers 235,867 185,313 27% Other assets 36,402 26,654 37% Key Takeouts Property and equipment 2,861 2,991 (4%) Intangible assets 10,187 10,371 (2%) Total assets 399,830 328,872 22% Liabilities Deposits from banks 32,753 12,243 >100% Deposits from customers 271,564 242,345 12% Borrowings 10,141 5,700 78% Other liabilities 23,174 12,132 91% Total liabilities 337,632 272,420 24% Equity Total equity 62,198 56,452 10% Liabilities and equity 399,830 328,872 22% Contingents 76,434 78,713 (3%) Letters of credit 3,033 3,919 (23%) Guarantees 73,401 74,793 (2%) 22#23/DOUBLE DIGIT LOAN BOOK GROWTH Net Loans and advances to customers Loans and advances by product KES millions 250,000 200,000 185,313 150,000 100,000 50,000 23 235,867 ]- 27% 0 Dec 2021 Dec 2022 2022 75% Term lending 15% Home Loans 6% Overdrafts 4% Vehicle asset finance (VAF) Loans and advances by business unit 2022 61% Corporate & Investment Banking (CIB) 16% Business & Commercial Clients (BCC) 23% Consumer and High Net worth Clients (CHNW) 2021 70% Term lending 18% Home Loans 7% Overdrafts 5% Vehicle asset finance (VAF) 2021 50% Corporate & Investment Banking (CIB) 21% Business & Commercial Clients (BCC) 29% Consumer and High Net worth Clients (CHNW) Key Takeouts Loan growth across all business segments and mainly from Oil and Gas, Trade, Power and Infrastructure sectors#24ASSET QUALITY KES Millions 25,000 NPLs 22,756 20,000 15,000 10,000 5,000 NPL and CLR 18,242 10.00% 8.00% 9.25% 9.05% 9.07% 8.55% 8.22% 6.00% 4.00% 2.40% 2.21% 1.40% 2.00% 1.11% 1.10% 0% Q4 2021 Q1 2022 Q2 2022 Q3 2022 Q4 2022 NPL CLR 0 Dec 2022 Dec 2021 KES Millions 25,000 50% 20,000 44.7% 12,720 15,000 8,817 40% 39.2% 10,000 24 5,000 10,082 9,426 Dec 2022 Dec 2021 Loan loss provisiioin Coverage ratio Discounted value of security 30% Key Takeouts NPLs below industry level Discounted value of security and provisions held adequate to cover for NPLs Stanbic IT CAN BE...#25✓ DEPOSITS Customer Deposits KES Millions 300,000 250,000 200,000 150,000 100,000 50,000 0 191,585 194,222 217,444 242,345 Dec 2022 25 Key Takeouts Customer deposits grew by 12% year on year with core accounts accounting for 86% of total deposits 271,564 Dec 2021 Dec 2022 62% Current accounts 73,682 24% Savings accounts 3% Call accounts 9% Fixed Deposits 2% LC acceptance 3% Savings accounts 6% Fixed Deposits KES Millions 72,538 65,371 56,467 132,511 113,340 Dec 2022 Dec 2021 62% Current accounts 26% Savings accounts CIB-Corporate & Investment Banking BCC-Business & Commercial Clients CHNW-Consumer and High Net worth Clients 2% LC acceptance#26120% FUNDING, LIQUIDITY AND CAPITAL REMAIN SOLID TO SUPPORT GROWTH Funding Liquid Ratio (Bank only) 60.00% 47.9% 100% 50.00% 16% 17% 45.2% 5% 4% 80% 40.00% 3% 2% 8% 4% 60% 30.00% 68% 74% 40% 20.00% 20% 0% Dec 2022 Customer deposits Deposits from banks Borrowings 26 Dec 2021 Other Liabilities Equity 10.00% 0% Dec 2022 Dec 2021 20.00% Capital Adequacey Ratio (Bank only) RWA- Risk weighted Assets 17.3% 15.3% 16.8% 15.00% 13.8% 10.00% 20.0% 5.00% 0% Dec 2022 Dec 2021 14.5% 10.5% Core capital to RWA Statutory minimum total capital to RWA Statutory minimum core capital to RWA Liquidity ratio Statutory minimum | Total capital to RWA#2727 MEASURING UP AGAINST OUR 2022 OUTLOOK 2022 full year target 2022 full year Actual Customer loan growth Above industry 27% Customer deposit growth Above industry 12% Return on Equity 18.1% 15.3% Non funded income 50.0% 41% Cost to income ratio 45.5% 46.7% NPL ratio 9.36% 9.07%#2828 SUBSIDIARIES AND SEGMENT PERFORMANCE#2929 SUBSIDIARIES AND BRANCH PERFORMANCE Stanbic Holdings Plc PAT: 9.1b 26% up Stanbic Kenya Stanbic South Sudan Stanbic Bancassurance Intermediary Ltd SBG Securities Dec 2022 Yo Y Var Dec 2022 Dec 2022 YoY Var PAT KES 8.8b CIB KES 7.7b BCC KES 0.9b 29% up 29% up PAT KES 307m 21% up PAT KES 111m Yo Y Var 12% up Dec 2022 Yo Y Var PAT KES (1.9m) >100% down CHNW KES 0.3b 41% up 29% down Higher trading revenues driven by increased key client flows • Increased revenue from stand alone insurance products Reduced equities market turnover Improved market share • Growth in key balance sheet indicators • Improved asset quality • Improved NIMS CIB: Corporate & Investment Banking BCC: Business & Commercial Clients CNHW: Consumer and High Net worth Clients Stanbic IT CAN BE..#3030 SUMMARY PERFORMANCE OF CORPORATE AND INVESTMENT BANKING (CIB) Key Takeouts Dec 2022 Dec 2021 Change KES M KES M % Net interest income 9,878 6,542 51 Non-interest revenue 7,979 7,636 4 Total Income 17,857 14,178 26 Customer loans and advances 144,369 99,509 45 Customer deposits 132,511 113,340 17 Contingents 72,259 74,295 (3) Letters of credit 2,747 2,707 1 Guarantees 69,513 71,589 (3) Growth in interest income as a result of growth in loan book Growth in non-interest revenue mainly due to increase in trading revenue Growth in customer loans and advances was mainly driven by increased working capital needs from our customers Growth in customer deposits mainly current account balances#3131 SUMMARY PERFORMANCE OF BUSINESS AND COMMERCIAL CLIENTS (BCC) Growth in net interest income as a result Dec 2022 KES m Dec Change Key Takeouts 2021 % KES M Net interest income 4,258 3,757 13 Non-interest revenue 3,121 1,631 91 Total Income 7,379 5,388 37 Customer loans and advances 38,655 35,692 8 Customer deposits 65,371 56,467 16 Contingents 3,589 4,057 (12) Letters of credit 286 1,197 (76) Guarantees 3,303 2,860 15 of growth in customer loans Increase in non-interest revenue supported by good client flows Increase in customer loans due to increased working capital requirements by our clients Growth in customer deposits mainly because of growth in transactional account balances#3232 SUMMARY PERFORMANCE OF CONSUMER AND HIGH NETWORTH CLIENTS (CHNW) Dec Dec Change 2022 2021 % KES M KES M Net interest income 4,809 4,074 18 Non-interest revenue 2,039 1,349 51 Total Income 6,848 5,423 26 Customer loans and advances 52,843 50,112 5 Customer deposits 73,682 72,538 2 Contingents 585 360 1 Letters of credit 0 16 (1) Guarantees 585 344 1 Key Takeouts Growth in interest income as a result of growth in customer loans and margin improvement Increase in non-interest revenue mainly driven by income from transactional products Marginal growth in customer loans reflecting challenging times for most households Growth in deposits supported by liabilities campaigns#3333 SUMMARY PERFORMANCE OF STANBIC BANCASSURANCE INTERMEDIARY LIMITED Dec 2022 Dec KES M 2021 Change % Key Takeouts KES M Total revenue 319 283 13% Total expenses (158) (138) 14% Profit before tax 161 145 11% Tax (50) (45) 11% Profit after tax 111 99 12% This performance reflects: Increase in volume of business placed with insurance companies Increased uptake on standalone insurance products and revenue from embedded insurance solutions Increase in costs due to investment in digital capabilities Overall growth in ROE to 76%#3434 SUMMARY PERFORMANCE OF SBG SECURITIES Dec Dec 2022 2021 Change % Key Takeouts KES m KES M Brokerage commission 97 136 (29) Other revenue 82 68 21 Total revenue 179 204 (12) Total expenses (182) (179) (2) Profit before tax (3) 25 (112) This performance reflects: Decline in brokerage revenue, driven by a 32.6% year on year drop in equities market turnover Increase in equities trading market share from 9.1% in 2021 to 11% in 2022 21% increase in 'other revenue' driven by growth in advisory fees Tax 1 (9) 111 Profit after tax (2) 16 (113)#3535 /2022 KEY TAKE AWAY • Client Focus Employee + Engagement + Risk and Conduct + Ⓡ Operation and Excellence Financial outcome + See Impact Strong performance across all revenue lines Navigated market challenges to deliver strong balance sheet growth Operational efficiencies from digital transformation • Focused risk management amidst challenging economic environment • Increased shareholder return • Sustainable community engagement Stanbic IT CAN BE..#3636 /LOOKING AHEAD - 2023 FOCUS AREAS 1 Growth & scale: Driven by focus on client needs 2 Efficiency: Leveraging digital investments for efficient client service 3 Risk management: Proactive and data driven risk analysis and management ✓ 4 Regional play: Leveraging Standard Bank presence in the region for borderless client service 5 Future Ready Transformation: Building a sustainable financial services organization To be a leading financial services organisation in Kenya and South Sudan, delivering exceptional client experiences and superior value Stanbic IT CAN BE..#37DISCLAIMER This presentation has been prepared for information purposes only and is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever. Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of Stanbic. These forward-looking statements include all matters that are not historical facts. Although Stanbic believes that the expectations and opinions reflected in such forward-looking statements are reasonable, no assurance can be given that such expectations and opinions will prove to have been correct. Stanbic undertakes no obligation to publicly update or publicly revise any forward-looking statement, whether as a result of new information, future events or otherwise except to the extent legally required. Nothing in this document should be construed as a profit forecast. Stanbic IT CAN BE TM#38THANK YOU B Stanbic Bank Stanbic IT CAN BE..