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DELIVERING OUR STRATEGY - FUTURE READY TRANSFORMATION (GROW) We will drive some ecosystems... Investi Bank Insure Enhance customer experience Digital lending Instant loans: KES 8.1b since inception Customer onboarding Over 90% accounts opened digitally Mjeki - distributor financing ✓ Loans issued: KES 11.8b Ecosystems + Beyond ...and we will contribute to others... ☐ Strategic and Focus Ecosystem Penetration 23% ■ Trader Ecosystem/ Merchants 480 ...enabled by common capabilities 10 Strategic partnerships unayo unayo Unayo is here! Don't be left behind #ray Everywhere Over 22k customers Stanbic IT CAN BE ■ Borderless banking

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