Investor Presentaiton

Rwanda: Strong performance supported by consistent business growth 52,203 Total Assets +10% 57,660 Q1 2021 Q1 2022 Balance Sheet (Kshs Mn) Net Loans & Advances 23,479 +11% 26,092 10 Customer Deposits 32,515 +3% 33,578 Q1 2021 Q1 2022 Q1 2021 Q1 2022 ✓ Asset growth primarily driven by growth in the loan book as the MSME product continues to deliver strong customer growth; Key Ratios Q1 2022 Q1 2021 Strategic shift towards growing the loan portfolio to profitably deploy surplus liquidity ✓ Strong capital and liquidity ratios Loan to Deposit Ratio 77.7% 72.2% 0 10 Net NPA -0.6% 1.1% Total Capital / Total Risk Weighted Assets 20.2% 19.2% Liquidity Ratio 55.8% 58.0%

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