Investor Presentaiton

Thousands 200 180 160 140 120 100 80 60 40 20 Jan-14 Appendix 4 - Low credit default rates BDT Millions 4,000 3,500 Significant improvements in arrears % and gross receivables materially increased ¹ Installment payments in advance¹ 3,000 2,500 2,000 1,500 1,000 500 Jan-14 Mar-14 May-14 Jul-14 Sep-14 Nov-14 Gross Receivable Jan-15 Mar-15 May-15 Jul-15 Sep-15 Nov-15 Increasing number of accounts and paying percentage1 Jan-16 Net Receivable Mar-16 May-16 Jul-16 Sep-16 Nov-16 Jan-17 Mar-17 May-17 Arrears as a % of gross receivables Jul-17 Sep-17 Nov-17 Jan-18 Mar-18 May-18 Jul-18 Sep-18 Nov-18 Mar-14 May-14 Jul-14 Sep-14 Nov-14 Jan-15 Note: 1. As at 31 December 2018 Mar-15 May-15 Jul-15 Sep-15 Nov-15 Jan-16 Number of Accounts Mar-16 May-16 Jul-16 Sep-16 Nov-16 Jan-17 Mar-17 -Paying % May-17 Jul-17 Sep-17 Nov-17 Jan-18 Mar-18 May-18 Jul-18 Sep-18 Nov-18 100.0% 95.0% 90.0% 85.0% 80.0% 75.0% 8.0% 5.9% 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 94.1% % of customers who have made installment payments in advance Amounts in advance exceed arrears¹ BDT Millions 70.0% 44 65.0% 682 Amounts in arrears Amounts in advance Net advances = BDT 638M 23 S

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