Investor Presentaiton

Total: 2.5m Substantial remittance flows critical for survival 1 300 000 Remittances (formal & informal): 5 400 000 340 000 110 000 285 000 Banks: 811 000 Total: 920k Total: 7.3m • Remittances large and infrequent - often for risk or school fees Remittances largely through MTO and informal channels Cross border . . Values significant. $9bn total flows into DRC (45% of GDP) from 9m people, very different from total formal figures of $22m remittances Formal options limited and expensive Documentation and bank relationships in receiving countries difficult Mobile Money: 190 000 FinScope 2015, World Bank 2015, Ministry of Congolese Abroad (2015)

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