Investor Presentaiton

Creating an electronic banking unicorn Electronic Banking Revenue N'bn CAGR: 22% 48.0 48.7 +32.7% Key Highlights 28.8 24.2% 23.5% 23.7% 21.7 34.0 14.4% 23.4% 15.1% 24.2% 29.0% 25.0 15.1% 21.8 30.0% 30.6% 32.7% 15.9% 31.5% 32.2% 29.6% 10.2% 9.5% 7.4% 39.9% 5.0% 7.4% 10.4% 58.4% 0.4% 26.3% 11.5% 23.3% 21.9% 24.5% 23.5% 8.9% 1.2% 15.5% FY 16 FY 17 FY 18 FY 19 FY 20 H1 20 H1 21 (1) Others include ATM, POS, SMS & Web USSD Mobile & Internet Banking Agent Banking Cards Other (1) 7

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