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Investor Presentaiton

Mobile money: driving financial inclusion and developing the ecosystem Core focus $ Safety Ease and convenience Deposit and withdrawals * ** 부 Assured availability float and cash Trust that it works Money transfers airtel | Africa Developing ecosystem of financial services Bill/merchant payments Bulk transfers - gov't to public (G2P) and B2C Bank to wallet & wallet to bank International money transfer - Bringing banking to the unbanked – improving subscriber penetration Top-up / recharge Micro loans and savings Group *excluding Nigeria 28.4% * Highly penetrated markets Moderately penetrated markets Low penetrated markets 64.5% 66.2% 31.1%* 59.5% 61.4% 59.0% 55.3% 54.6% 48.4% 37.2% 40.4% 40.6% 36.5% 23.0% 16.8% 15.8% 18.3% 17.1% 19.3% 18.3% 20.4% 0.7% 1.1% FY'21 FY'22 Gabon Uganda Zambia Malawi Tanzania Congo B Rwanda Madagascar DRC Others FY'21 FY'22 29

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