FROM HUMBLE BEGINNINGS TO MARKET LEADER

FROM HUMBLE BEGINNINGS TO MARKET LEADER Our Entrepreneurial Journey Copyright 2018 EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 1

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. Equity Group Holdings Plc Headquarters Equity Centre, Upperhill, Nairobi 2

EQUITY GROUP S PHILOSOPHIES EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 1

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. STRONG GOVERNANCE AND LEADERSHIP STRUCTURE 2

GROUP BOARD OF DIRECTORS PETER MUNGA NON-EXECUTIVE CHAIRMAN DAVID R. ANSELL NON-EXECUTIVE VICE-CHAIRMAN JAMES MWANGI MANAGING DIRECTOR & CHIEF EXECUTIVE OFFICER ISAAC MUTHURE MACHARIA NON-EXECUTIVE DIRECTOR HELEN GICHOHI NON-EXECUTIVE DIRECTOR DENNIS ALUANGA NON-EXECUTIVE DIRECTOR EVELYN KAMAGAJU RUTAGWENDA NON-EXECUTIVE DIRECTOR DEEPAK MALIK NON-EXECUTIVE DIRECTOR VIJAY GIDOOMAL NON-EXECUTIVE DIRECTOR MARY WAMAE EXECUTIVE DIRECTOR EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 3

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. GROUP EXECUTIVE MANAGEMENT JAMES MWANGI, CBS MANAGING DIRECTOR & CHIEF EXECUTIVE OFFICER BHARTESH SHAH CHIEF OPERATIONS OFFICER MARY WAMAE DIRECTOR OF CORPORATE STRATEGY AND COMPANY SECRETARY BRENT MALAHAY GROUP DIRECTOR, STRATEGIC PARTNERSHIPS, COLLABORATIONS & INVESTOR RELATIONS JAMES MUTUKU DIRECTOR, TREASURY GERALD WARUI DIRECTOR, OPERATIONS & CUSTOMER EXPERIENCE ANTHONY KITUUKA EXECUTIVE DIRECTOR EQUITY BANK UGANDA CELESTIN MUKEBA MUNTUABU MANAGING DIRECTOR, PROCREDIT BANK (DRC) PHILIP SIGWART EXECUTIVE DIRECTOR, PROCREDIT BANK (DRC) JACK NGARE MANAGING DIRECTOR, FINSERVE AFRICA ERIC GIKONYO KAROBIA EXECUTIVE DIRECTOR FINSERVE AFRICA 4

GROUP EXECUTIVE MANAGEMENT REUBEN MBINDU CHIEF OFFICER, HUMAN CAPITAL AND ADMINISTRATION ANTHONY EMEKA OGBECHIE GROUP FINANCE DIRECTOR BILDARD FWAMBA CHIEF INTERNAL AUDITOR ELIZABETH GATHAI DIRECTOR, CREDIT ALLAN M. WAITITU DIRECTOR, SPECIAL PROJECTS SAMUEL KIRUBI MANAGING DIRECTOR, EQUITY BANK UGANDA HANNINGTON NAMARA MANAGING DIRECTOR, EQUITY BANK RWANDA JOSEPH IHA MANAGING DIRECTOR, EQUITY BANK TANZANIA ADDIS ABABA OTHOW MANAGING DIRECTOR EQUITY BANK SOUTH SUDAN EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 5

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. OUR HUMBLE BEGINNINGS 6

FROM STRENGTH TO STRENGTH OUR JOURNEY OF GROWTH EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 7

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. FROM STRENGTH TO STRENGTH 8

OUR JOURNEY OF GROWTH EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 9 9

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. OUR GROWTH JOURNEY 10

VALUE MAXIMISATION FOR STAKEHOLDERS EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 11

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. FACILITATING GROWTH FOR ENTREPRENUERS AT EVERY LEVEL 12

EQUITY BANK IS A CATALYST OF FINANCIAL INCLUSION EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 13

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. OUR INTERVENTIONS FANIKISHA EMPOWERING WOMEN IN BUSINESS 14

OUR INTERVENTIONS GROUP LENDING SUPPORTING WOMEN AND YOUTH UNLOCK THEIR POTENTIAL EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 15

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. OUR INTERVENTIONS AGRIBUSINESS FINANCING VALUE CHAIN MODEL 16

OUR INTERVENTIONS AGENCY BANKING LEVERAGING ON TECHNOLOGY TO OUTSOURCE, DEMOCRATISE AND DEMYSTIFY BANKING EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 17

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. OUR INTERVENTIONS INSURANCE SECURING LIVES AND LIVELIHOODS 18

OUR INTERVENTIONS PROVIDING INVESTMENT OPPORTUNITIES EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 19

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. OUR INTERVENTIONS DIGITAL BANKING 20

SHARED PROSPERITY BUSINESS MODEL EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 21

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. DEEPENING FINANCIAL INCLUSION THROUGH SOCIAL PAYMENTS 22

EGF SOCIAL IMPACT CHAMPIONING SOCIO-ECONOMIC REVOLUTION EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 23

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. EQUITY GROUP KEY SELECTED PARTNERSHIPS Banking Partners Payment Partners Foundation Partners 24

EQUITY IS A U.N SUSTAINABLE DEVELOPMENT GOALS (SDGs) CENTRE OF EXCELLENCE EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 25

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. LEADERSHIP RECOGNITION 26

AWARDS AND GLOBAL RATINGS EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 27

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. SIX COUNTRIES, ONE BANK 28

NOTES EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. 29

EQUITY BANK KENYA LIMITED IS REGULATED BY THE CENTRAL BANK OF KENYA. OUR INSPIRATION That when years turn our vision dim and gray, we shall still see beauty in the tired wrinkles of our faces and shall take comfort out of the fact and knowledge that when we were given the opportunity we did all we could to empower our people to exploit opportunities and realise their full potential on the road to economic prosperity. OUR REGIONAL SUBSIDIARIES KENYA UGANDA SOUTH SUDAN RWANDA TANZANIA D.R.C. Equity Centre, Hospital Road, Upper Hill, P.O. Box 75104-00200 Nairobi, Tel: + 254763 063 000, Fax: + 254-020-2737276, Info@equitygroupholdings.com, www.equitygroupholdings.com @KeEquityBank KeEquityBank 30