Investor Presentaiton

OUR CHANNEL CONTRIBUTION AGENCY Value of Transactions (KShs.B) No. of transactions (M) 127 204 300 Agency Revenue (KShs.M) 820 542 45.3 481 34.7 22.8 47% Growth in FY 17 FY 18 FY 19 FY 17 FY 18 FY 19 FY 17 FY 18 FY 19 Agency Banking Value Agency Transaction type (%) 64.6 37.2 CASH DEPOSIT FY 2018 29.9 FY 2019 15.8 15.4 14.4 12.1 7.8 0.8 0.1 1.6 0.3 CASH WITHDRAWAL SCHOOL FEES BALANCE ENQUIRY BILL OTHERS* PAYMENT KCB *Others: Account opening, mini statement, load cards and Funds transfer 19

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