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Investor Presentaiton

Uganda: Continued focus on integration to gear business for growth opportunities Balance Sheet (Kshs Mn) 22,604 Dec-21 Total Assets +9%* *Quarter on Quarter Growth 24,677 Net Loans & Advances 6,276 +11%* 7,230 Customer Deposits +6%* 19,426 18,248 Q1 2022 Dec-21 Q1 2022 Dec-21 Q1 2022 ✓ Growth in Loan and Advances portfolio supported by business opportunities as Uganda recovers post COVID-19 containment measures and integration into the Group provides new customer acquisitions; ✓ Customer deposit growth during the quarter following stabilization of the business post acquisition of the bank; ✓ Strong liquidity to support expected growth 0 10 Key Ratios Q1 2022 Dec-2021 Loan to Deposit Ratio 37.1% 34.3% Net NPA 4.6% 1.1% Total Capital / Total Risk Weighted Assets 16.4% 14.7% Liquidity Ratio 51.8% 52.1%
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