Investor Presentaiton

airtel | Africa Mobile money: driving financial inclusion and developing the ecosystem $ Safety Core focus to drive future uptake Ease and convenience 0€ Deposit and withdrawals Group *excluding Nigeria 29.1%* *** ** Assured availability float and cash Trust that it works Money transfers Developing ecosystem of financial services Bill/merchant payments Bulk transfers - gov't to public (G2P) and B2C Bank to wallet & wallet to bank International money transfer Top-up/recharge Micro loans and savings Bringing banking to the unbanked - improving subscriber penetration Moderately penetrated markets Low penetrated markets Highly penetrated markets 65.4% 67.0% 60.4% 61.4% 60.8% 33.4%* 56.3% 58.1% 50.7% 43.3% 44.2% 36.6% 38.1% 24.6% 19.9% 18.8% ,21.0% 13.2% 16.6% 19.5% 22.0% 0.7% 1.5% H1'22 H1'23 Gabon Uganda Zambia Malawi Tanzania Congo B Rwanda Madagascar DRC Others 26

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