Britam Holdings Plc · NSEKE:BRIT
Britam — H1 2025 Earnings Presentation
35 slides from Britam's earnings presentation, Aug 29, 2025
Slide 1: Britam HY 2025 Results Presentation
Britam HY 2025 Results Presentation 29th August 2025 Britam Tower Britam Public
Slide 2: Agenda
CONTENTS Agenda 01 Presentation of Britam's vision and strategy, who we are 02 Macro-economic environment overview 03 Strategy Highlights 04 Financial Performance HY 2025 05 ESG Highlights 06 Britam Foundation Highlights #BritamHY2025 Safeguarding Dreams and Aspirations 2 Britam Public
Slide 3: Kuria Muchiru, Group Chairman
Britam HY 2025 Results Presentation Kuria Muchiru Group Chairman Britam Group Britam Public
Slide 4: Tom Gitogo, Group MD and CEO
Britam HY 2025 Results Presentation Tom Gitogo Group MD and CEO Britam Group Britam Public
Slide 5: About: Purpose, Vision, Mission, Values
About Our Purpose Safeguarding Dreams and Aspirations Our Vision To be the leading diversified financial services company in our chosen markets across Africa 02 Our Mission Providing you with financial security every step of the way 03 Our Values Accountability, Trust, Agility, Customer Centricity 0
Slide 6: Britam At a Glance
Britam At a Glance June 2025 19.7B 2.5B 6 Britam Public
Slide 7: Our Solutions
eam) | Our Solutions Insure Invest Health Pensions
Slide 8: Macroeconomic Performance and Outlook
Macroeconomic Performance and Outlook Britam Public
Slide 9: Kenya GDP Growth and Outlook
Kenya GDP Growth and Outlook • Kenya GDP grew by 4.7% in 2024. This was amid a challenging economic environment characterized by a squeeze on disposable income and high interest rates. • In Q1 2025 , growth was 4.9% 1.The Agriculture sector expanded by 6.0% supported by ample rainfall. 2.The industr
Slide 10: Annual Headline Inflation
Annual Headline Inflation • Headline inflation has been between 3% and 4.2% in 2025, and was 4.2% in the month of July • Fuel Inflation has been relatively flat, due to falling prices of crude oil and stability of the Kenyan shilling against the dollar. • Food Prices have been relatively stable, wit
Slide 11: Kenya Shilling vs Select Major Currencies
Kenya Shilling vs Select Major Currencies • The KES was stable against the dollar over the past 12 months at KES 129 per dollar. After depreciating in 2022 and 2023 due to anxiety over the Eurobond repayment, the shilling strengthened in H1 2024 and has been stable against the USD. • The KES depreci
Slide 12: Interest Rates
Interest Rates • Short-term rates fell H1’25. The CBK cut its benchmark rate from 10.75% in January to 9.5% in August 2025. • The 3-month or 91-day T-bill rate was at 8.0% in August 2025 compared to 9.9% in December 2024. • The yield curve declined by 1.36% on average in H1 2025. The yields on the s
Slide 13: Equity Markets
Equity Markets The NSE All Share Index gained 24.3% in Q2 2025 • The NSE All Share Index gained +24.3% in H1 2025 • The rally was despite the heightened global trade discussions over the quarter and was supported by growing local participation, stable Kenya Shilling, and improvement in foreign parti
Slide 14: Strategy Highlights
Strategy Highlights Britam Public
Slide 15: 2025 focus areas
2025 focus areas Build Best-in-Class Leverage Partnerships & Digital Platforms Distribution & Technical • Increase digital adoption and customer Excellence engagement. • Launch Britam Learning & • Grow market share in the microinsurance Leadership • Strengthen Financial Advisor segment. network • Sc
Slide 16: Reflecting on 2021–2025 Transition to 2026–2030 Strategy
Reflecting on 2021–2025 Transition to 2026–2030 Strategy • Our current 2021–2025 strategy concludes at the end 2025, marking a The new strategy will drive growth by enhancing customer value, period of strong growth, customer focus, and market leadership. strengthening operations, and advancing Brita
Slide 17: Strongest Brand
Africa’s friend for 60 years is now KENYA’S 3 rd Strongest Brand and the most valuable insurance brand in Kenya. Source | Brand Finance Kenya 2025 Britam Public
Slide 18: Top Employer Awards
° “4 mM e % ¢ fop Kenya top Rwanda EMPLOYER 2025 EMPLOYER 2025 aR GSEE Wewn on wenn Africa FOR AEETIERSTORIDYC MTOR TOD on... EMPLOYER 2025 TOD wee: EMPLOYER 2025 EMPLOYER 2025 FOR A BETTER WORLD OF WORK TTER WORLD OF WORK FOR A BETTER WORLD OF WORK ad iia) ~ Britam is Now! a 2025" chs Employer in A
Slide 19: HY 2025 Financial Performance
HY 2025 Financial Performance Britam Public
Slide 20: Charles Njuguna, Finance and Strategy Director
Britam HY 2025 Results Presentation Charles Njuguna Finance and Strategy Director Britam Group Britam Public
Slide 21: Half Year Financial Results
2025 Half Year Financial Results Financial Resilience in a dynamic operating environment 11% 11% 30% 16% Profit before Insurance Investment Return on tax Shs 2.5 Bn Revenue Income Equity Shs 19.7 Bn Shs 17.3 Bn 14% 3% 8% 6% YTD CSM Growth Opex Ratio: Total Assets Shareholder funds Shs 12.4 Bn 36% Sh
Slide 22: Top-line, Investment Income: On a Positive Trajectory
Top-line, Investment Income: On a Positive Trajectory 23 Britam Public
Slide 23: Group Balance Sheet - Strong Balance Sheet mix
Group Balance Sheet - Strong Balance Sheet mix Balance Sheet Assets up 7.9% to KES225Bn with fixed income accounting for 68.4% of total assets Assets remain predominantly return-bearing at 92.1% supported by higher bond allocations and market-driven equity gains, delivering a 9.4% YTD yield. 24 Brit
Slide 24: Growth in CSM; Profitable new business and improved experience
Growth in CSM; Profitable new business and improved experience Group Contractual Service Margin(CSM)- Sh Bn The CSM is a measure of future profit stream and is a key indicator of business growth. The CSM will smoothly and predictably be released to profit over the lifetime of insurance contracts as
Slide 25: HY 2025 Business Performance
HY 2025 Business Performance Britam Public
Slide 26: Overall improved performance: Significant increase in uptake of products
Overall improved performance: Significant increase in uptake of products 27 Britam Public
Slide 27: ESG and Sustainability
ESG and Sustainability Britam Public
Slide 28: 2nd Britam Sustainability Report Published
2nd Britam Sustainability Report Published • The 2024 Sustainability Report amplified Britam’s market differentiation, translating into KES 1Bn AVE, translating ESG credibility into a hard metric for brand value and trust, which directly correlates to customer acquisition and retention costs. • Key
Slide 29: Our Recent Sustainability Wins
Our Recent Sustainability Wins Most Engaged Large Company, Adherence to more than 2/3 Gender 2025 Principle in Board of Directors - 2024 Awarded by the UN Global Recognition by The National Gender Compact Network Kenya. and Equality Commission. 30 Britam Public
Slide 30: Driving Environmental & Business Resilience
Driving Environmental & Business Resilience Reforestation Campaign with Tech Future-proofing Operations: EV Charging Points Tracking (#60MillionTreesBy2030) Britam Centre Solar Carport (207 KwP) • Six charging points (3 EV Charging Stations) Impact to date: remain fully functional since April 2025.
Slide 31: Britam Foundation
Britam Foundation Britam Public
Slide 32: Britam Foundation purpose, vision and mission
>) Britam Britam Foundation is deeply committed to enriching lives across the continent. Born from Britam Group, a leader in financial services across seven African countries, the Britam Foundation carries forward a legacy of positive impact. st > Our Purpose Our Vision Our Mission “Enriching Lives
Slide 33: Access to Clean Water Projects
Access to Clean Water Projects Access to clean water • Renewable energy i.e., solar, hydro etc. • Caring for the environment i.e., planting trees • Waste management and circular economy principles i.e., recycling, refurbishing etc. Our Goal Financial literacy for the ECE Parents, Teachers and To pro
Slide 34: Solar-Powered Water Solutions for Schools and Communities
Solar-Powered Water Solutions for Schools and Communities Impact: • Creates a healthier and more conducive learning environment 23 by solving critical water shortages. • Supports agriculture and local economic activities, enhancing No. of projects livelihoods. • School plans to generate revenue from
Slide 35: Thank You
Thank You Britam Public