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Investor Presentaiton

Provider overview: Evolution of the financial services environment in the DRC Central bank established Provider enters market Financial sector legislation Microfinance Law Credit establishment law SACCO law 2011 2002 MTOS enter market Rawbank enters 2001 TMB enters 2004 ProCredit enters retail market 2005 Rapid account growth: 2.3 million accounts Mobile money kicks-off (M-pesa, Tigo cash, Airtel) 2012 Orange offers mobile money 2015 1980 | 1983 | 1986 | 1989 | 1992 | 1995 | 1998 | 2001 | 2004 | 2007 | 2010 | 2013 | 2016 | → Hyperinflation: Savings destroyed Collapse of banking system Conflict: infrastructure destroyed Macroeconomic stabilisation Agency law Payments law

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