Investor Presentaiton

Overview of Bayport Savings and Loans Bayport Savings and Loans (Ghana) is one of the country's leading credit providers with a presence in each of the regional capitals Overview ŷ Bayport Savings and Loans PLC ("Bayport Savings and Loans" or the "Company") was established in 2003 and now boasts a client base of some 112k active borrowers The Company has 70 distribution centers including 58 agency points in all regions in mainland Ghana from Accra up to Wa and other regions and has 1,486 employees including sales agents Bayport's key credit product in the Ghana market is the payroll loan. This product allows an individual to borrow against their future salary income Bayport's key relationship is with the civil service, to whose employees it offers payroll lending The shareholders of Bayport Savings and Loans are Bayport Management Limited (98%) and SSNIT (1%) and BIHQ (1%) Guided by an experienced board under the Chairmanship of Mr. Francis Essem Wood Managing Director Mr. Nii Amankra Tetteh has a talented management team that continues to be the leader in unsecured credit in Ghana, whilst raising the benchmark ever higher for competitors ŷBayport's commitment to Ghana is not merely expressed by the amount of much needed capital injected into the hands of its clients but also through its community building social investment initiatives Bespoke business model Key distinctions Government payroll lender with over 16 years experience as market leaders Diversified and growing NFI business (Insurance) Bespoke Retail lending Board and governance ŷ Robust corporate governance principles embedded in decision making and organizational ŷ structure Business assurance led by ALCO, Credit Committee, Audit and Risk Committee, Customer Service Council and Procurement Operational risk rigor ŷ Enterprise wide risk approach ง Functional and dedicated Treasury Management, Governance, Compliance and Risk Management Group leverage Frequent business reviews, workshops, deep dives and collaboration with the group office Strong engagement matrix and shared knowledge People ง A 7-member executive committee supported by a team of 19 senior managers with varied experience in banking ง Track record of proven performance and success in cross-cultural, multinational brands as well as local expertise ŷ Documented annual capability and upskilling training program for leadership With a market share of 17.8%, Bayport Savings and Loans is number 1 in terms of total collections within the payroll space Strictly Private & Confidential 4

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