Investor Presentaiton

MTN Fintech revenue (Rm) Contributes 9.3% to Group service revenue | Advanced services at 23% of MoMo revenue, +6pp Fintech highlights MoMo revenue contribution by services offered 2020 2021 Revenue 12 150 15 906 +30.9%* Remittances, Banktech & other Payments 17% EBITDA^ +31.5%* 5 648 7 428 EBITDA margin +0.2pp* 46.5% 46.7% Capex 81 200 +29.8% 5 567 7 228 AFCF ^Pro forma view based on direct attribution of costs 20% P2P transfers 6% 57% Withdrawals 24

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