Investor Presentaiton

Driving Sustainable Business Economic Value ✓ Local Economic Impact О О SUSTAINABLE GOALS Ksh.310.2 Billion Loans & Advances Ksh.15-Million-member Co- operative Movement Banking. Ksh.184 Billion Government Securities. 1378 Local Suppliers Financial Inclusion -Universal Banking Model. ✓ KShs. 8.8 Billion Taxes (Corporate & PAYE) Governance ✓ Progressive governance framework ✓ Business Ethics ✓ Proactive Environmental & Social Policy ✓ Strategic Organizational Structure ✓ Compliant Reporting & Disclosure ✓ Board structure, policies & procedures Social Impact ✓ Co-op Consultancy & Bancassurance Intermediary Limited, 3057 Consultancies. ✓ Co-op foundation: 8368 Bright & Needy Students Supported. ✓ Partnership with IFC & Phillips: support smaller businesses in Africa's health sector ( USD 300 Million) ✓ Private sector-led Covid-19 Emergency Response Fund. Donated Kshs. 100 Million to support critical medical supplies and equipment such as ventilators. ✓ First Lady's Beyond Zero Campaign Kshs. 20M (2020) ✓ 74% Employees below 40yrs ✓ ✓ Robust HR policy framework to guide optimal human resource engagements and staff support. Attracting and retaining talent: 95% retention rate. ✓ Skills development & career progression through training, e-learning & coaching. Environment GÐ BANK Ongoing implementation of the CBK Guidance on Climate- Related Risk Management and NSE ESG disclosure guidance. Screening of loans & advances for environmental risk as laid out in the Environmental & Social Policy (E&S). Corporate, Co-operatives (Above USD 1M), MSME (Above USD 50K) Renewable Energy and Energy Efficiency investments -USD 3.4 Billion credit agreement. Continuous digitization of customer journeys and bank processes. Ongoing rehabilitation of 259.5Ha, Lusoi forest in Laikipia (5000 trees, plan to do 10,000 more) Signatory to the United for Wildlife's (UfW) Financial Taskforce 23

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