Investor Presentaiton

18 M-PESA | DEVELOPING SCALABLE DIGITAL PLATFORMS FOR KEY GROWTH AREAS CONSUMER FOCUS 3.9Mn App Customers Target Addressable Market 29.0Mn CONSUMER SUPER APP Customer Focused Products, Intuitive Digital Journeys Subject to Regulatory approval P2P C2B E-COMMERCE 1888 LOYALTY & CVM CREDIT MINI APPS DELIVERING CONSUMER VALUE PARTNERSHIPS M-PESA 2.0 FINTECH PLATFORM B2B WEALTH INSURANCE BIG DATA SAVINGS BUSINESS FOCUS 322k Business App Customers 258k Agents Target Addressable Market +5.0Mn BUSINESS SUPER APP Merchant Business Solutions, Extensive Agency Network BEYOND Safaricom 20 YEARS

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