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Investor Presentaiton

11 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

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