Investor Presentaiton

R M-PESA | SUSTAINED VELOCITY IN THE CUSTOMER ECOSYSTEM H1 FY22 H2 FY21 H1 FY21 Usage Growth, Opportunity to Drive Penetration Remains Sustained Growth in Value of M-PESA Transactions Total M-PESA Value 18.1 13.0 28.7 9.0 (KShs Trn) Transfers 2.1 2.0 13.7 1.6 14.5 28.3 H1 FY21 H2 FY21 H1 FY22 H1 FY21 H2 FY21 H1 FY22 9.4 26.8 Withdrawals 1.1 1.1 0.9 M-PESA one month active customers (Mn) Chargeable transactions per one month active customers Payments 4.3 3.9 2.5 H1 FY21 H2 FY21 H1 FY22 H1 FY21 H2 FY21 H1 FY22 Note; M-PESA Wallet to Bank/ Bank to M-PESA Wallet transactions still zero rated, accounting for 18.1% of HY22 total value of M-PESA transactions 17 BEYOND Safaricom 20 YEARS

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