Investor Presentaiton

Ghana Payroll Loan Portfolio Credit Performance Recency as a % of Book Non-Performing Performing Active (1-2) 11% 7% 9.7% Performing Active (3-4) 9.1% 9.2% 1% Arrears as % of Loan Book 120+ days 90 days 14% 1% 60 days 2% 30 days 2% Information as at 31 December 2019 NPL as a % of Gross Loans 8.0% 8.1% 7.9% 6.8% 6.4% 5.3% 7.2% 6.8% 5.9% Standard Performing 81% 17 Q1 17 Q2 17 Q3 17 Q4 18 Q1 18 Q2 18 Q3 18 Q4 19 Q1 19 Q2 19 Q3 19 Q4 Arrears and Recency O days 30 days 60 days 90 days 120+ days 0 days 81% Standard Performing Performing Active (3-4) Performing Active (1-2) Non Performing Strictly Private & Confidential 22 22

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