Investor Presentaiton

Clear strategic focus on digitization to drive growth and profitability Digital channels in roll-out during 2019... ...with tangible business benefits... ...and large strategic importance 2 Sales-force Tablets for sales agents ŷEnables real-time, accurate loan quotes Allows loan applications without branch visits Customer Loan quotes anywhere, anytime Enables loan applications with no sales agent and no branch visit Improved customer experience ŷ Faster time-to-cash Eliminating travel to branches Longer opening hours Lower costs More loans from cheaper channels Decreases the need for physical branch offices Streamlining back-office functions Increased sales Improved customer convenience New channels have broader reach Provides ability to lower prices Diversifying solutions offered to clients ŷ Creating opportunities for disciplined At Source lending based on transactional and behavioral data Diversifying funding sources by attracting current account balances and term deposits Enhancing average client lifetime value By enhancing client loyalty for core At Source based lending By increasing the product-to-client ratio O Call center Providing quotes and loan applications via phone E-signature over voice and one- time-passwords No sales agent; no branch visit Faster learning More extensive data gathered ŷ Greater ease of running multiple experiments ŷ Faster iterative learning cycles Transforming the way customers are fulfilled Strictly Private & Confidential 11

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