Investor Presentaiton

# of Countries • • • The Bayport Model has been successfully rolled out on 2 regions 3 5 8 7 Successful roll-out of Bayport Model Tanzania Mexico Robust process to market entrance Country selection Mozambique Colombia Emerging operations Operating leverage to be realised Greenfield/Local partner transaction Botswana Uganda Ghana Higher scale 1 Zambia Focus on increasing penetration and embedded growth opportunity 2002 2003 2004 2006 2010 2011 2012 2014 2019 Scale up Cultivation of operating experience and accumulation of credit insights in markets with different economic and regulatory backgrounds Proven success of adapting Bayport operations locally in each new geography Multi-geography presence reduces concentration risk, while allowing for flexible capital deployment 18 year track record across the cycle building multi-geography capabilities Strictly Private & Confidential 33

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