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Investor Presentation HY 2020

Group Highlights: FY 2020 Expansion of Digital Value Proposition Technology Leveraging technology and digital innovations focused on improving customer experience and operational efficiencies. Centralisation of Reconciliation Creating better efficiencies through standardization & automation of the reconciliation processes. I&M HOLDINGS ම A $ Card Management System Operationalization of an End-to-end solution on Cards for Issuing and Acquiring of Debit, Credit, Prepaid and Multi-Currency Prepaid card including merchant management and 3D Secure Omni Channel Introduction of Multiple Channel platform for Mobile banking enhancing the secured experience for customers while transacting from their mobile phone 14

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