1H-23 Group Financial Performance Presentation

Expenditure trends Expenditure increased by 8.6% to K510.9m in 1H-23, driven by: Technology - higher software, maintenance and volume related channel costs. • Staff - additional staff in compliance and risk, overtime support post Go-Live and CPI adjustments. STAFF COSTS [km] 224.8 206.0 !!!BSP +11.7% TECHNOLOGY COSTS [km] 251.1 75.3 69.2 +36.3% 102.6 1H-21 1H-22 1H-23 1H-21 1H-22 1H-23 INVESTOR PRESENTATION 1H-23 12 12

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