Investor Presentaiton

Tanzania: Improving performance amidst cautious optimism P&L (Kshs Mn) Operating Income +26% 351 Loan Loss Provisions 442 -15% 13 88 11 PBT +10% 97 Q1 2021 Q1 2022 Q1 2021 Q1 2022 Q1 2021 Q1 2022 ✓ Operating income growth supported by digital lending activities following digital channels introduced in 2021; Non-interest income also boosted by trade finance activities as the Tanzanian economy recovers; ✓ Operating expenses increased by 34% y/y driven by digitization initiatives; ✓ Reduction in loan loss provisions attributed to recoveries 0 10 Key Ratios Q1 2022 Q1 2021 Efficiency Ratio (CTI) 75.6% 71.2% Cost of Risk 0.3% 0.3% ROE ROA 6.3% 6.4% 1.0% 1.0%

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