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Investor Presentaiton

11 Branch vs Digital Transactions DELIVERING OUR STRATEGY - FUTURE READY TRANSFORMATION (GROW) Delivering our strategy: Driving business growth and value Accelerating digital banking 898 O Digital Lending (inc. Mjeki) Instant loans: KES 36.7b (2021 KES 27.6b) Customer Onboarding • Over 95% accounts opened digitally Digital Distributor Financing (Mjeki) • Loans issued: KES 28.7b (2021 KES 20.6b) Chama App ⚫ 3,650 users SBGS - Trader App • Real time trading Process efficiency Cloud journey continues; more workloads on cloud Bots for internal I processes and customer interactions Digitised risk and compliance processes API gateway 7% Physical 93% Digital 93% of transactions were on digital channels (100bps up year on year) Stanbic IT CAN BE TM
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