#1Stanbic Holdings Plc FINANCIAL RESULTS PRESENTATION For the half year ended 30 June 2022 Lake Naivasha, Kenya | Kenya/South Sudan is our home, we drive her growth 232 Stanbic IT CAN BE#2TABLE OF CONTENTS 01 WELCOME REMARKS 03 PURPOSEFUL TRANSFORMATION AS WE DELIVER OUR STRATEGY 02 OPERATING ENVIRONMENT 04 DELIVERING SUSTAINABLE RETURNS Tsavo Parks and Chyulu Hills Complex, Kenya | Kenya/South Sudan is our home, we drive her growth Stanbic IT CAN BE#3The Meru Conservation Area, Kenya | Kenya/South Sudan is our home, we drive her growth WELCOME REMARKS AND OPERATING ENVIRONMENT PATRICK MWEHEIRE CHIEF EXECUTIVE, STANBIC HOLDINGS PLC Stanbic IT CAN BE#44 OPERATING ENVIRONMENT Global economic recovery slowed down by various challenges RUSSIA-UKRAINE CONFLICT Russia-Ukraine war has resulted to increased geopolitical risks, weaker economic growth, higher inflation and supply chain disruptions. RISING INFLATION IN US & EUROPE MEAT & POULTRY FRUIT & VEGETABLES AIRFARES USED CARS +14.3% +7.8% GAS +33.3% 22.7% +43.6% IMPACT OF INFLATION ON EVERYDAY ITEMS High inflation rates in the US has led the US FED to respond by raising the interest rates, a move likely to drive risk-off position to frontier market investments. POLITICAL LANDSCAPE CURRENCY PRESSURE Regional currencies continue to depreciate against the US dollar. COVID-19 has generally weakened the region's exchange rates. The tightening of global financial conditions has further intensified exchange rate pressures and left most countries with limited reserve buffers. 工 RESURGING COVID-19 VARIANTS Spike in COVID-19 cases in China prompting lockdowns in major cities leading to supply chains disruptions. Kenya positivity rate rose to 8.0% in June from 2.3% in May and 0.4% in April which forced the Government to re-impose an indoor mask mandate. Uncertainties around general elections in Kenya. Delayed implementation of Revitalized Peace agreement in South Sudan. Stanbic IT CAN BE#55 OPERATING ENVIRONMENT Inflation and Benchmark rate movements Macro Economic factors in Kenya 25.0% 20.0% Inflation Rate 23.5% 18.3% June June Indicator 2021 2022 15.0% 10.0% 7.9% 9.1% 6.3% 6.8% Central Bank Rate 7.00% 7.50% 5.0% 3.6% 4.4% 2.0% 3.2% 0.0% 91 Day T-Bill 7.03% 8.10% Kenya Tanzania Uganda Malawi South Sudan Inflation 6.3% 7.9% June 2021 ■ June 2022 Exchange Rate 107.85 117.83 (KES/USD) Central Bank Rate 20.0% Inflationary pressure across the region 15.0% 15.0% 14.0% due to: 12.0% 12.0% 10.0% Rise in prices of oil and other 7.0% 7.5% 6.5% 7.5% 5.0% 5.0% imported goods due to disruption in 5.0% global supply chains. 0.0% Depreciation of local currencies Kenya Tanzania against the US dollar. June 2021 Uganda ■June 2022 Malawi South Sudan Stanbic IT CAN BE#6PURPOSEFUL TRANSFORMATION AS WE DELIVER OUR STRATEGY CHARLES MUDIWA CHIEF EXECUTIVE, STANBIC BANK The Kenya Lakes System, The Great Rift Valley, Kenya | Kenya/South Sudan is our home, we drive her growth Stanbic IT CAN BE#7RECAP OF OUR STRATEGY Our Purpose Our Vision Our strategic priorities: Kenya / South Sudan is our home, we drive her growth To be a leading financial services organisation in Kenya and South Sudan, delivering exceptional client experiences and superior value What we need to do to deliver our Transform client experience purpose Our Technology priorities: The platforms we need to deliver on our purpose Execute with excellence Always On - Always Secure Future proof platforms Embed Agile Ways of Work Our culture priorities: How we need to behave to deliver our purpose and people promise 5Cs: Client First, Care for Colleague, Collaboration, Courage, Continuous Innovation & Entrepreneurship Mindset 7 Our success measures: 6 value drivers 8 CLIENT FOCUS + Drive sustainable growth and value Automation & Digitization IDEWS: Innovate, Decide, Execute, Work as a team, Share Information = EMPLOYEE ENGAGEMENT RISK AND CONDUCT OPERATIONAL EXCELLENCE FINANCIAL OUTCOME SEE IMPACT Stanbic IT CAN BE#84 PRIORITY AREAS TO DRIVE GROWTH & FUTURE-READY TRANSFORMATION Strengthen core - build on existing capabilities and right- to-win Focus segments: 1 Value focus: Accelerate organic growth Build on strong position by increasing SoW in MNCs and capturing more LLCs within risk appetite Drive step change in customer acquisition and primacy - targeting high value clients first Volume focus: Exponentially grow business Wholesale Clients Business & Commercial Clients Consumer & High Net Worth 2 Future-ready transformation - develop new capabilities and business models All segments (esp. Main Markets) 8 3 Launch 6 ecosystem plays 4 Acquire/Partner with FinTech & MNOS Requires immediate action across both sets of initiatives Stanbic IT CAN BE#9Invest 9 DELIVERING OUR STRATEGY - STRENGTHEN THE CORE (DEFEND) Bank Sustain and grow core business Staying true to our purpose 6 Insure Customer numbers growth ✓ Total customer base grew by 20% year on year ✓ Active customers grew by 39% year on year Primary customers grew by 6% year on year ecces DADA (Women support) ✓ Value of loans: KES 4.8b SMES ✓ Value of loans: KES 8.5b Infrastructure ✓ Value of loans: KES 8.3b Affordable Housing ✓ Value of loans: KES 156m Stanbic IT CAN BE#10DELIVERING OUR STRATEGY - FUTURE READY TRANSFORMATION (GROW) We will drive some ecosystems... Investi Bank Insure Enhance customer experience Digital lending Instant loans: KES 8.1b since inception Customer onboarding Over 90% accounts opened digitally Mjeki - distributor financing ✓ Loans issued: KES 11.8b Ecosystems + Beyond ...and we will contribute to others... ☐ Strategic and Focus Ecosystem Penetration 23% ■ Trader Ecosystem/ Merchants 480 ...enabled by common capabilities 10 Strategic partnerships unayo unayo Unayo is here! Don't be left behind #ray Everywhere Over 22k customers Stanbic IT CAN BE ■ Borderless banking#1111 DELIVERING OUR STRATEGY - FUTURE READY TRANSFORMATION (GROW) Volume of non-branch channel transactions Value transacted through digital channels BNA's Internet banking 98% 5% Mobile banking 24% 24% Unayo >100% Unayo > 100% Volume Agency banking Year on year 2% Business Online 16% ATMs 9% Merchant POS ↑ >100% ↑ Internet banking >100% BNA's 15% Business Online ↑ 45% Mobile banking ↑ 28% Value Year on year Agency banking 16% ATMs 21% Merchant POS ↑ > 100% Stanbic IT CAN BE#1212 DELIVERING OUR STRATEGY - DRIVING SUSTAINABLE GROWTH Education Stanbic Bank Stanbic FINANCIAL FITNESS ACADEMY ■ ◉ ☐ Over 50k individuals trained on digital literacy (futureNidigital). 131 computers donated to support education in counties. KES 2.5m spent on education to support needy children. Financial fitness academies - Over 5k individuals trained of which 398 were SMEs and 36 Corporates. Financial Inclusion & Enterprise Development Stanbic Bank KES 37.9m grant funding to MSMEs. Health Cancer screening - Stanbic Foundation PARTNERING FOR GROWTH 2 USAID Accelerate YOUR BUSINESS WITH A CRANT OF UP TO KES. 5 MILLION Inviting Women led businesses to apply for grant funding and local support Some www.isast.com/apply 4,625 individuals screened free of charge. Stanbic IT CAN BE#13TRUSTED FINANCIAL PARTNER For the Fourth time, we have been recognized as Kenya's Best Investment Bank by Euromoney Awards for Excellence 2022. EUROMONEY AWARDS FOR EXCELLENCE KENYA 2022 BEST INVESTMENT BANK Owing to our expertise in: 1. Infrastructure finance. 2. Sustainable Finance. 3. Corporate debt solutions. 4. Advisory. 5. Debt capital markets. Steering our economy forward. EUROMONE What are we known for? Best Investment Bank in Kenya 2013 – 2022 ■ Best Trade Finance Bank in Kenya 2016 – 2021 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 ■ 2nd largest market share in home loans ■ Best Bank in Kenya and 1st runners up overall for Regional Integrated report at the 2021 CGISA/JSE Integrated Reporting Awards Best Bank in Kenya and 1st runners up in East Africa for the Best Presented Annual Report under Bank category at the 2021 FIRE Awards Member of Standard Bank, Africa's Most Valuable Banking Brand by Brand Finance and Africa's largest financial services organisation by assets Stanbic Bank Kenya Limited is licensed and regulated by the Central Bank of Kenya 13 Stanbic Bank IT CAN BET A member of Standard Bank Group Stanbic IT CAN BE#1414 MANAGING RISK - DOING THE RIGHT BUSINESS, THE RIGHT WAY Leveraged data analytics to proactively manage risks REAL-TIME PROCESSING ACTION DASA SOURCES MACHINE LEARNING 8 6900 NOTINGCRONE STATISTICAL MODELS Embedded risk culture to manage risk and limit losses RISK MAXIMUM HIGH -MEDIUM LOW MINIMUM Managing costs Costs Digitised lending & payments Quality Speed Results Stanbic IT CAN BE#15Boma National Park, South Sudan | Kenya/South Sudan is our home, we drive her growth DELIVERING SUSTAINABLE RETURNS DENNIS MUSAU CHIEF FINANCIAL AND VALUE OFFICER Stanbic IT CAN BE#1616 INCOME STATEMENT HIGHLIGHTS KES 15.2b Revenue 2021: KES 12.4b 5.04% Net interest margin 2021: 4.30% 48.2% Cost to Income 2021: 48.9% 23% 17% 1% KES 4.8b Profit after tax 2021: KES 3.5b 16.9% Return on Equity 2021: 13.4% 1.10% Credit Loss ratio 2021: 1.64% (+) 37% ↑ 26% 33% Stanbic IT CAN BE#1717 STRONG BUSINESS MOMENTUM KEY TAKEOUTS 25 37 The Group (Kenya Bank, South Sudan branch, SBG Securities and Stanbic Insurance Agency Limited) reported a profit after tax of KES 4.8b; Improvement in Net Interest Income on the back of growth in the lending book, improved margins driven by reduced cost of funding and change in balance sheet mix. 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. Lower credit impairments due to improving credit quality mainly within Corporate and Investment Banking and judicious recovery efforts. Increase in operating expenses due to investments in the platform business. June 2022 KES M June 2021 Change KES M % Net interest income 8,343 6,901 21 21 Non-interest income 6,860 5,482 25 Total income 15,203 12,383 23 Operating expenses (7,335) (6,060) (21) Pre-provision profit 7,868 6,323 24 24 Credit impairment charges (1,261) (1,502) 16 Profit before tax 6,607 4,821 37 Tax (1,811) (1,319) (37) Profit after tax 4,796 3,502 37 Stanbic IT CAN BE#1818 STEADY REVENUE GROWTH KES millions KES millions 8,000 14,000 7,000 12,000 11,494 10,132 6,000 10,000 8,343 5,000 4,525 8,000 6,901 Interest income Trading and other income 4,000 3,361 6,000 Interest expense 3,000 ■Net fees and commissions 4,000 3,150 3,231 Net interest income 2,000 2,000 1,000 2,335 2,121 June 2022 June 2021 ■ Net interest income increased year on year by 21% mainly explained by growth in the lending book and improved margins. June 2022 June 2021 Net interest income 45% 44% 55% ■Non-interest revenue 56% June 2022 June 2021 KEY TAKEOUTS Net fees and commission income Increase in net fees and commission income explained by: ㅁ Closure of key investment banking deals. ם Rebound of trade finance activity and improved digital adoption by our clients. Trading and other revenue ■ Growth in trading and other income due to increased client flows and currency volatility. Stanbic IT CAN BE#1919 OPERATING EXPENSES AND CREDIT IMPAIRMENT 1,609 1,557 1,502 1,500 1,261 KES millions 8,000 7,000 49.0% 48.9% 48.8% KES millions 2,000 6,000 3,662 48.6% 5,000 Other operating 2,983 1,000 expenses 4,000 48.4% Staff costs 48.2% 3,000 48.2% CTI 500 2,000 3,673 3,076 48.0% 1,000 47.8% June 2022 June 2021 Credit imp General debt provision Specific debt provision (55) (348) (500) June 2022 ■ June 2021 Decline in cost to income ratio due to revenue growing faster than costs. ■ Double digit reduction in impairment charges due to improved credit quality and focus on arrears management. Stanbic IT CAN BE#2020 BALANCE SHEET HIGHLIGHTS KES 342b Total assets 2021: KES 329b KES 217b Customer loans 2021: KES 165b KES 236b Customer deposits 2021: KES 233b 4% ↑ 31% 1% 8.55% NPL ratio 2021: 9.87% 35.9% Liquidity ratio Statutory minimum: 20% 16.2% Total capital ratio Statutory minimum:14.5% 13% Stanbic IT CAN BE#21GROWTH IN KEY PERFORMANCE DRIVERS KEY TAKEOUTS KES millions Assets Financial investments 2022 2021 % change 52,570 82,213 (36%) Loans and advances to banks 26,943 42,483 (37%) ☐ Strong growth in customer loans with a 31% YoY growth. Loans and advances to customers 217,097 165,146 31% Other assets 31,652 26,160 21% Property and equipment 3,010 3,253 (7%) Divestiture in financial investments to fund customer lending. Intangible assets 10,307 10,293 0% Total assets 341,579 329,548 4% Liabilities Deposits from banks 22,582 27,042 (16%) 16% growth in LCs and guarantees as we continue to support our clients. Deposits from customers 235,649 232,946 1% Borrowings 6,040 5,445 11% Other liabilities 19,118 10,609 80% Total liabilities 283,389 276,042 3% Equity Total equity 58,190 53,506 9% Liabilities and equity 341,579 329,548 4% Contingents 81,995 70,703 16% Letters of credit 4,112 3,165 30% Guarantees 21 77,883 67,538 15% Stanbic IT CAN BE#22DOUBLE DIGIT LOAN BOOK GROWTH Net Loans and advances to customers KES millions Loans and advances by business unit 2022 250,000 200,000 150,000 100,000 50,000 217,097 31% CHNW 24% CIB BCC 59% 17% 165,146 June 2022 June 2021 2021 CHNW 29% CIB 50% BCC 21% KEY TAKEOUTS Loan growth across all business segments and mainly from Trade, Power and Infrastructure sectors. CIB - Corporate and Investment Banking, BCC - Business and Commercial Clients, CHNW - Consumer and High net worth clients 22 Stanbic IT CAN BE#23SUSTAINED IMPROVEMENT IN LOAN BOOK QUALITY NPL and CLR 12.00% 9.9% 9.6% 9.3% 9.0% 8.6% 10.00% 9.87% 9.56% 9.25% 9.05% 8.55% 8.00% 1.0% 1.7% 1.9% 2.0% 1.8% 6.00% 4.00% 90.4% 88.5% 88.5% 88.7% 89.2% 2.00% 1.64% 1.41% 1.40% 1.11% 1.10% 0.00% Jun-21 Sep-21 Stage 1 Dec-21 Mar-22 Jun-22 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022 ■Stage 2 Stage 3 NPL CLR KES millions 25,000 45.5% KEY TAKEOUTS 46.0% 45.0% 20,000 44.0% Loan loss provision 15,000 43.0% 42.0% 10,000 41.8% Discounted value of security Coverage ratio 41.0% 5,000 40.0% 39.0% June 2022 June 2021 23 NPLs below industry level Discounted value of security and provisions held adequate to cover for NPLs. Credit losses have decreased year on year; Proactive engagement of customers. Improved collection strategies and strong collaboration with our customers. Better asset quality for new loans booked. Stanbic IT CAN BE 23#24DEPOSITS KES millions 300,000 250,000 235,649 232,946 200,000 150,000 100,000 50,000 1% 256,682 4% 7% 26% 201,551 June 2022 June 2021 June 2020 June 2019 KEY TAKEOUTS Core accounts account for 88% of total deposits from 83% reported in 2021. 3% 9% 5% 26% KES millions 250,000 ■CIB BCC ■CHNW 2022 200,000 67,931 67,488 LC acceptances 62% Current accounts Savings accounts 150,000 62,974 54,187 Call deposits Fixed deposits 100,000 57% CIB - Corporate and Investment Banking, BCC - Business and Commercial Clients, CHNW - Consumer and High net worth clients 24 2021 LC acceptances Current accounts Savings accounts 50,000 104,744 111,271 June 2022 June 2021 KEY TAKEOUTS Call deposits ■Fixed deposits Growth in customer deposits mainly within Corporate and Investment Banking. Stanbic IT CAN BE#25FUNDING, LIQUIDITY AND CAPITAL REMAIN SOLID TO SUPPORT GROWTH Funding 120% Liquidity ratio (Bank only) Capital adequacy ratio (Bank only) RWA - Risk weighted assets 60.0% 100% 50.0% 17% 16% 3% 5% 80% 2% 2% 40.0% 35.9% 7% 8% 60% 30.0% 40% 20.0% 69% 71% 20% 0% June 2022 June 2021 *Customer deposits Deposits from Banks Borrowings ■ Other liabilities 25 Equity 10.0% 53.3% 20.0% 18.1% 18.0% 16.2% 16.1% 16.0% 14.5% 14.1% 14.5% 14.0% 12.0% 10.5% 10.5% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 0.0% June 2022 June 2021 June 2022 Core capital to RWA Total capital to RWA June 2021 Statutory minimum core capital to RWA Statutory minimum total capital to RWA Stanbic IT CAN BE#2626 MEASURING UP AGAINST OUR 2022 OUTLOOK Customer loan growth 2022 full year target H1 2022 Actual Above industry 31% 1% Customer deposit growth Above industry Return on Equity Non funded income 18.1% 16.9% 50.0% 45% Cost to income ratio 45.5% 48.2% NPL ratio 7.2% 8.55% Stanbic IT CAN BE#27Birds eye view of Lake Bogoria, Kenya | Kenya/South Sudan is our home, we drive her growth SUBSIDIARY AND SEGMENT PERFORMANCE DENNIS MUSAU CHIEF FINANCIAL AND VALUE OFFICER Stanbic IT CAN BE#28SUBSIDIARIES CONTINUE TO SHOW STRONG PERFORMANCE Stanbic Holdings PLC PAT: 4.8b 37% up Stanbic Bank Kenya Stanbic South Sudan Stanbic Bancassurance Intermediary Ltd SBG Securities Jun 2022 YOY VAR PAT KES 4.7b 43% up PAT Jun 2022 KES 80m YOY VAR Jun 2022 YOY VAR (27%) PAT KES 40m (40%) Jun 2022 YOY VAR PAT KES 9.8m (4%) 28 Growth in key balance sheet indicators. Improved asset quality. □ Improved NIMS. ☐ Improved risk environment. ☐ Challenging operating environment impacting business activity. However, the business remains profitable. □ Increased revenue from stand alone insurance products and gross written premiums offset by one off transaction that did not recur in the current year. Reduced equities market turnover. Improvement in market share. Stanbic IT CAN BE#2929 SUMMARY PERFORMANCE OF CORPORATE AND INVESTMENT BANKING (CIB) KES millions 2022 2021 % change Net interest income 4,098 3,132 31 Non-interest revenue 4,853 3,947 23 Total Income 8,951 7.079 26 Credit loss ratio (0.2%) 0.5% Customer loans and advances 127,914 82,724 55 Customer deposits 104,744 111,271 (6) Contingents 77,141 65,307 18 Letters of credit 2,686 1,851 45 Guarantees 74,455 63,456 17 KEY TAKEOUTS Growth in interest income as a result of margin improvement and growth in loan book. Growth in non-interest revenue due to fees from key deals in Power and infrastructure sector. Lower Credit loss ratio as a result of proactive risk management and booking of higher quality loans. Growth in customer loans and advances was mainly driven by key Power and infrastructure deals and increased working capital needs. Decline in customer deposits reflecting point in time balances. Stanbic IT CAN BE#3030 SUMMARY PERFORMANCE OF BUSINESS AND COMMERCIAL CLIENTS (BCC) KEY TAKEOUTS KES millions 2022 2021 % change Net interest income 2,020 1,858 9 Growth in net interest income as a result of growth in customer loans and customer deposits. Non-interest revenue 1,296 870 49 Total Income 3,316 2,729 22 Credit loss ratio 1.6% 1.5% Customer loans and advances 37,664 33,975 11 Customer deposits 62,974 54,187 16 Contingents 4,626 5,118 (10) Letters of credit 1,426 1,315 8 Guarantees 3,200 3,803 (16) □ Increase in non-interest revenue supported by transactability and trade finance related services. 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. Stanbic IT CAN BE#3131 SUMMARY PERFORMANCE OF CONSUMER AND HIGH NETWORTH (CHNW) KEY TAKEOUTS KES millions 2022 2021 % change Net interest income 2,225 1,911 16 Growth in interest income as a result of growth in customer loans and margin improvement. Non-interest revenue 711 664 7 Total Income 2,936 2,575 14 Credit loss ratio 1.7% 1.1% Customer loans and advances 51,519 48,447 6 Customer deposits 67,931 67,488 1 Contingents 227 278 (18) Letters of credit 0 0 0 Guarantees 227 278 (18) □ Increase in non-interest revenue mainly driven by income from transactional products □ Credit ratio accelerated by tough economic conditions characterised by high inflation thus putting pressure on disposable income. Marginal growth in customer loans by 6% reflecting challenging times for most households. Stanbic IT CAN BE#3232 SUMMARY PERFORMANCE OF STANBIC BANCASSURANCE INTERMEDIARY LIMITED KES millions Total revenue Total expenses KEY TAKEOUTS 2022 2021 % change This performance reflects: 145 161 (10) (86) (63) 330 (36) □ One off transaction that did not recur this year. Excluding this, revenue grew by 20% year on year. □ Increase in gross written premiums by 26% year on year. □ Increased uptake on standalone insurance products. □ Increase in costs due to digitization. Profit before tax 59 97 (39) Tax (19) (30) (38) Profit after tax 40 67 (40) Stanbic IT CAN BE#3333 SUMMARY PERFORMANCE OF SBG SECURITIES KES millions Brokerage commission Other revenue Total revenue 2022 2021 % change 57.5 70.5 (18) 55.7 31.9 75 113.2 102.4 11 Total expenses (97.9) (88.0) (11) Profit before tax 15.3 14.4 6 Tax (5.4) (4.2) (30) Profit after tax 9.8 10.2 (4) KEY TAKEOUTS SBG Securities posted total revenue of KES 113m for the half year ending 30th June 2022, indicating an 11% year-on-year increase. This revenue performance reflects: □ Decline in brokerage revenue, driven by a 22% year on year drop in equities market turnover. □ Increase in equities trading market share from 9.4% in 1H2021 to 11.9% in 1H2022. □ 75% increase in ‘other revenue' driven by growth in advisory fees. Stanbic IT CAN BE#3434 KEY TAKEAWAYS SUMMARY H1 2022 ■ We delivered solid business performance as we supported our clients in their growth journeys; ■ Profit after tax up 37% driven by revenue growth and lower impairment charges. ▪ Return on Equity up to double digit at 16.9% (2021: 13.4%). ■ Better asset quality; ■ NPL ratio down to 8.55% (2021: 9.87%). ■ Loan book up by 31%. ■ We continue to maintain adequate capital to invest and grow; ◉ Capital adequacy ratio 16.2% (Reg minimum 14.5%). ■ Sustainable community engagement aligned to our purpose. ▪ Our strategic priority is to transform the organisation to a platform business. We will continue to invest to build a future ready organisation that is truly digital and truly human. ■ Year on year increase in costs reflects investment in superior technology and a future ready organization. Stanbic IT CAN BE#35Shimba Hills National Reserve, Kenya | Kenya/South Sudan is our home, we drive her growth D THANK YOU Stanbic IT CAN BE