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Investor Presentaiton

16 M-PESA REGAINING MOMENTUM WITH RETURN TO CHARGING Contribution to M-PESA Growth Withdrawals Transfers 7.6ppts +18.8% YoY 23.9ppts +89.5% YoY +45.8 % YOY 14.3ppts +43.7% YoY Contribution to Fintech Solutions Growth Lending & Savings +17.2%% YoY ●Fuliza, M-Shwari KCB M-PESA ●M-KOPA, M-KESHO Other savings ■IMT +22.6% YoY ●International Money Transfer, Alipay 0.6ppts 1.8ppts 4.1ppts 14.3ppts 7.7ppts Payments +50.7% YoY C2B +42.1% YoY B2C +48.5% YoY ● LNM +83.6% YoY ● B2B +24.2% YoY Betting >100.0% YoY Fintech Solutions • Value of M-PESA transactions +51.5% YoY, KShs 13.7Trn, of which 18.1% is still zero-rated • Volume of M-PESA transactions +42.0% YoY, 7.3Bn • One month active M-PESA Agents +19.7% YoY, 258k • One month active merchants tills +72.8% YoY, 387k BEYOND Safaricom 20 YEARS
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