Equity Partnership with WSPs Water Service providers.

1. Equity Partnership with WSPsWater Service providers. Presented by; Hellen Njiru/Moses Magua Business Growth and Development Manager. SAI ROCK HOTEL. 9th November 2011

2. Equity Bank-Introduction 9 September 2014

3. Equity Corporate Philosophy Vision To be the champion of the socio-economic prosperity of the people of Africa. Mission We offer inclusive, customer focused financial services that socially and economically empower our clients and other stakeholders. Positioning Statement Equity provides Inclusive Financial Services that transform livelihoods, give dignity and expand opportunities. Our Motto Growing Together In Trust; Tagline Your listening Caring Partner Purpose We exist to transform the lives and livelihoods of our people socially and economically by availing them modern, inclusive financial services that maximize their opportunities.

4. NSE Publicly Listed/Cross Listed at USE 3rd largest company at the NSE Total Funds/Capitalization: Ksh35B Market Capitalization: Ksh101B Largest bank at the NSE Total Assets -Kshs 171 Billion Over 30,000 shareholders Strategic Investors Helios EB British American Insurance Staff: Individuals/ESOP 11 Directors Current Status Equity Bank is the biggest African majority owned company in East & Central Africa Largest bank in East & Central Africa

5. Current Status • Largest bank in East & Central Africa. • Customer base - Over 6 million customers (Largest bank in customer base in East and Central Africa) • Bank Accounts - 57 % of all bank accounts in Kenya • Deposits - Kshs. 130 billion. • Loans - Kshs. 98 billion. • No of borrowers - Over 722,427 customers. • No of branches - over 165 branches. • Mid Year Profits 2011- 5.9 Billion ( before Tax ) • ATMs - Over 700 ATMs. • POS - 4500. 5

6. Extensive Regional Footprint 165 Branches Regionally Transforming lives in Africa, One branch at a time 6

7. Robust Technology Capacity I. High availability robust systems Core banking system: 35million bank accounts; 300,000 transactions/min Payment management system: 75 million cards; 180,000 transactions per minute; EMV compliant Cash Management system II. Data management Tier 4 data center Comprehensive business continuity & recovery management system III. Secure network & infrastructure Capable of handling banking transactions for the whole of East Africa. Capable of processing transactions for multiple local banks & institutions combined EMV – Euro Mastercard & Visa (Advanced chip card security feature) First Bank in Kenya to comply The first tier 4 data center in East and Central Africa 7

8. Strong Business & Technical Support 24 hour help desk technical support 24 hour Contact Center & customer service Dedicated Relationship Managers & Field Officers to oversee daily account operations Automated channel management Customer relationship management providing analytics about customers 8

9. Leadership

10. Peter Munga-EBSChairman CPS, A Retired Deputy Secretary. Chairman MESPT, Member of Board of Directors of British American Insurance Co. , Rockefeller Foundation, NOCK, Equatorial Nut Processors.

11. Dr. James Mwangi-MBSCEO & M.D Doctorate in Business Administration, Doctorate of Humane Letters, Doctorate in Entrepreneurship, B-Com-Accounting, CPA (K) Graduate of AMP-Strathmore-IEESE Business School Spain An experienced career banker. Previously With Ernest & Young and Trade Bank

12. Dr. Julius K. Kipngetich-EBS MBA-Strategic Planning, B-Com-Accounting Chief Executive – Kenya Wildlife Services

13. Benson Wairegi MBA, B-com - Insurance, CPA (K) Group Managing Director, British American (Kenya) Director Agricultural Finance Corporation

14. DrHellen Gichohi President of African Wildlife Foundation Dr. Gichohi holds a doctorate in Ecology from the University of Leicester, in the UK. She also holds a Master of Science degree in Biology of Conservation and a Bachelor of Science degree in zoology from the University of Nairobi and Kenyatta University respectively. She is the president of African Wildlife Foundation where she has served for 9 years. Prior to that, she was the director of the African Conservation Centre. She is also a director of Kenya Wildlife Service.

15. TEMITOPE O. LAWANI MBA, BS - Chemical Engineering. Co-founder Helios EB Investment, Board member -First City Monument Bank PLC, Africatel Holdings B.V., Corporate Development Analyst at Walt Disney Co and member of the Harvard Law School Dean's advisory Board.

16. BABATUNDE SOYOYE MBA, B.Eng - Electrical Engineering. Co-founder, Helios EB Investment, Board member- Africatel Holdings B.V., and Manager of Business Development at Singapore Telcom International.

17. PROFF. SHEM MIGOT–ADHOLLA PhD in Sociology of Development, Masters of Arts in Sociology & Special Graduate Student in Agriculture Economics (Michigan State University) and Bachelor of Arts Chairman of the Board of Directors, Institute of Policy Analysis and Research (IPAR) Nairobi and sits on the Board of the Center for Corporate Governance. He previously served as Vice-Chairman, Board of Directors, Kenya Wildlife Service, Lead Specialist on Land Policy and Administration for Africa Region in the World Bank and also as Permanent Secretary, Ministry of Agriculture and Rural Development.

18. Ernest K. Nzovu BA-Economics, Dip. International Affairs Director and Consultant-Know How International Ltd -Hawkins & Associates -KHI Training

19. Fredrick Muchoki MD-Continental Business Systems and Presta Office Equipment Limited.

20. ALYKHAN NATHOO MBA-Harvard, B A – Quantitative Economics-Stanford University. Partner Helios Investment; Founding Partner of Bain Capital London .

21. Mary Wangari Wamae Secretary to the Board LLB, CPS (K), Advocate of the High Court, Post Graduate Diploma in Gender and Development. Graduate of AMP-Strathmore-IEESE Business School Spain

22. ACHIEVEMENTS & RECOGNITIONS 22

23. Global Vision Award Dr. Mwangi is a holder of the Global Vision Award in Microfinance, alongside Nobel Peace Laureate Prof. Muhammad Yunus as ‘Initiators of the Concepts of the Future that will shape the World Economy’

24. Emerging Markets Most Sustainable Bank of the Year 2009 in Africa & Middle East among others; African Business of the Year 2009 Microfinance Bank of the Year 2008 & 2009 Best Ranked Micro Finance Investment In the world-2009 -JP Morgan. Best Performing Ai 40 Company of the year in Africa 2010. African Banker 2010 Africa’s CEO of the Year 2009. Global Leadership Recognition-Top 50 world business leaders. Super brand in East Africa 2008 & 2009 among others.

25. INNOVATION

26. Innovation M-Kesho Winner of Best Mobile Banking Application 2010 award

27. Contribution to New ManagementKnowledge Case study in the leading International Business Schools • Harvard • Stanford • IESE • Strathmore • Columbia • Lagos

28. Equity-WSPs Partnership Opportunities 2 9 September 2014

29. Equity Bank will offers a wide range of financial options to meet the unique needs of The Water Service Providers, Their Staff and business partners to help in transforming lives and livelihoods of Kenyans. OBJECTIVE

30. OBJECTIVES OF THIS PARTNERSHIP • Leveraging on our robust IT platform, Equity bank will offer automated inclusive financial services to the WSPs. • Provide infrastructural loans to water Companies to facilitate enhancement of their productioncapacity and enhance their coverage and water provision. • Provide an opportunity to WSPs to earn extra income through money markets services ( Call and Fixed deposit accounts) and give opportunity to WSPs staff realize their economic potentials through specific products that target their needs

31. Equity- WSPs business opportunities. USD 50Million Chinese Development Bank Fund

32. Benefits. • Form a partnership that will offer to WSPs and their staff members the following benefits; WSPs BENEFITS. • Ledger free business accounts. • Dedicated Corporate and SME Relationship managers. • Multiple service delivery channels. • Attractive interest rates on Call and Fixed Deposit Accounts. • Provide an efficient method of managing WSPs revolving funds. • Business loans and overdraft facilities. WSPs STAFF MEMBERS BENEFITS. • Development financial solutions to enable staff members access mortgage facilities.

33. Benefits …. cont • Flexible repayments terms. • Competitive interest rates. • Quick processing. • Tailor made loan solutions. BENEFITS TO WATER CONSUMERS. • Provision of loans to cater for the water connection fees and purchase of equipment. • Wide branch and agency network countrywide that consumers can make their payments through. Vision: To be the champion of the socio-economic prosperity of the people of Africa. Mission: Statement: We offer inclusive, customer-focused financial services that socially and economically empower our clients and other stakeholders.

34. Alternative Delivery Channels 4,500 portable Points of Sale (POS) Handset Mobile Banking 700 Visa branded ATM’s Equity offers multiple payment channels options

35. Equity Corporate Social responsibilities • Pre – University scholarship program. • Wings to fly program.( partnered with master Card Foundation). • Hunger Safety Net Program ( HSNP). • Leadership, entrepreneur and Mentorship training (EGF). • Fanikisha women enterprise funds ( in partnership with G. o. K). • Youth Enterprise Clubs. ( in partnership with G.o.K).

36. Equity Bank CSR in Pictorial. Wings to fly Program

37. Our Inspiration That when years turn our vision dim and gray, we shall still be seeing 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 realize their full potential on the road to economic prosperity.

38. Thank You We Listen We Care We Partner Email: info@equitybank.co.ke Web site: www.equitybank.co.ke