Equity Group Holdings Limited · NSEKE:EQTY
Equity — FY2025 Earnings Presentation
112 slides from Equity's earnings presentation, 2026
Slide 1: Investor Briefing FY 2025 Performance
EQUITY GROUP HOLDINGS PLC INVESTOR BRIEFING FY | 2025 PERFORMANCE
Slide 2: Equity Group Holdings Plc Headquarters
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Equity Group Holdings Plc Headquarters 2 Equity Centre, Upperhill, Nairobi
Slide 3: Table of Contents
Equity Group Holdings Plc Investor Briefing Table of Contents FY 2025 PERFORMANCE 1 Equity Group’s Philosophies 4 2 Governance and Organizational Structure 5 3 Press Release 12 4 Macroeconomic and Operating Environment 16 5 Strategy Overview 25 6 Banking Group 29 7 Overall Banking Group Performance
Slide 4: Equity Group's Philosophies
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Equity Group’s Philosophies Our Purpose: Positioning Statement: Transforming lives, giving dignity and expanding opportunities We provide inclusive financial services that transform for wealth creation. livelihoods, give dignity and exp
Slide 5: Governance and Organizational Structure
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Governance and Organizational Structure 5
Slide 6: Governance & Risk Management Framework
Equity Group Holdings Plc Investor Briefing Governance & Risk Management Framework FY 2025 PERFORMANCE 6
Slide 7: Breadth and Depth of the Management Team
Equity Group Holdings Plc Investor Briefing Governance and Organizational Structure FY 2025 PERFORMANCE Breadth and Depth of the Management Team EGH Strategy Strategy execution via close interaction between CEO office and Corporate office Breadth and diversity of corporate function supported by expa
Slide 8: Group Executive Management
Equity Group Holdings Plc Investor Briefing Group Executive Management FY 2025 PERFORMANCE Dr.James Mwangi,CBS Group Managing Director & C h i e f E x e c u t i v e O f fi c e r Samuel Kirub i Brent Malaha y Gertrude Karugab a Group Chief Operating G r o u p C h i e f S t r a t e g y O f fi c e r C
Slide 9: Group Executive Management
Equity Group Holdings Plc Investor Briefing Group Executive Management FY 2025 PERFORMANCE Stephen Owuyo Rene Kalonji Christine Brown e Group Finance Director C h i e f P r o d u c t O f fi c e r Group Director Special Assets Joy DiBenedett o Michael Kwofie David Ssegaw a Group Chief Global Affa irs
Slide 10: Group Executive Management
Equity Group Holdings Plc Investor Briefing Group Executive Management FY 2025 PERFORMANCE Moses Nyabanda Isabella Maganga Willy Mulamba Gift Shoko Managing Director, Managing Director, Managing Director Managing Director, Equity Bank Kenya E q u i t y B a n k Ta n z a n i a EquityBCDC S.A Equity Ba
Slide 11: Group Board of Directors
Equity Group Holdings Plc Investor Briefing Group Board of Directors FY 2025 PERFORMANCE Prof. Isaac Ma chari a Dr. James Mwangi, CB S Non-Executive Chairman Group Managing Director and C h i e f E x e c u t i v e O f fi c e r Samuel Mwale Jonas Mushosho Ms. Farida Khambata Dr. Evans Baiy a Non-Exec
Slide 12: Press Release
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Press Release 12
Slide 13: Press Release
Equity Group Holdings Plc Investor Briefing Press Release FY 2025 PERFORMANCE EQUITY GROUP RECORDS HISTORIC RESULTS REPORTING A 55% GROWTH IN PROFIT AFTER TAX OF KSHS 75.5 BILLION, UNDERSCORING THE SUCCESS OF ITS STRATEGIC TRANSFORMATION. Proposed dividend payout of Kshs 21.7 billion translating to
Slide 14: Press Release (continued)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) FY 2025 PERFORMANCE On the back of this performance, the Directors have recommended a dividend of Kshs 5.75 per share, up from Kshs 4.25 amounting to a payout of Kshs 21.7 billion (2024: Kshs 16 billion), representing a 35.3% g
Slide 15: Press Release (continued)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) FY 2025 PERFORMANCE The Foundation is scaling its Innovation and Technology Pillar by training over 600,000 youth in AI, machine learning, and data analytics through partnerships with iamtheCODE, Huawei, and WorldQuant Universi
Slide 16: Macroeconomic and Operating Environment
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Macroeconomic and Operating Environment 16
Slide 17: The Global Economic Landscape
Equity Group Holdings Plc Investor Briefing The Global Economic Landscape FY 2025 PERFORMANCE Resilience in a Dynamic Global Environment • Improving Global Economic Growth: The global economy remains resilient with the US expected to grow by 2.4% in 2026 and China by 4.5% signaling stronger worldwid
Slide 18: Dynamics in EGH Operating Markets
Equity Group Holdings Plc Investor Briefing Dynamics in EGH Operating Markets FY 2025 PERFORMANCE East Africa Remains a Growth Powerhouse 11 of the top 20 fastest growing economies in the world were in Africa in 2025 including South Sudan, Rwanda and Uganda. The 2025 minerals boom is boosting DR Con
Slide 19: Dynamics in EGH Operating Markets
Equity Group Holdings Plc Investor Briefing Dynamics in EGH Operating Markets FY 2025 PERFORMANCE Region well-poised to improve average income levels • Strong per capita GDP growth: East African economies delivered per capita GDP growth rates that out-performed the U.S. in 2025, with projections ind
Slide 20: Select Africa Eurobond Dynamics
Equity Group Holdings Plc Investor Briefing Select Africa Eurobond Dynamics FY 2025 PERFORMANCE Eurobond Prices • Global asset allocators are pushing money towards emerging markets and better yielding African Eurobonds in particular. The main risks to this trade are U.S. inflation or a U.S. recessio
Slide 21: Largest Economies in Africa
Equity Group Holdings Plc Investor Briefing Largest Economies in Africa FY 2025 PERFORMANCE • The top 15 African economies in 2025 as estimated by the IMF in October • Nigeria still in 4th but expected to overtake Algeria in 2026. • Kenya in 6th place ahead of Ethiopia, Ghana in 8th, and Angola expe
Slide 22: Interest Payments as a Percentage of Revenues
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Interest Payments as a Percentage of Revenues Governments need to be mindful of their interest burden, low or falling inflation helps • Strong African Equity Markets especially in Egypt and Kenya, posted some of the strongest performanc
Slide 23: Presence and Market Position
Equity Group Holdings Plc Investor Briefing Equity Group Presence and Market Position FY 2025 PERFORMANCE KENYA DRC RWANDA Equity in top 2 in half of the KCB 16.9% RAWBANK 29.3% BANK OF KIGALI 33.9% markets, based on total assets in 2 02 4 EBKL COOP YOUR HEADLINE 9.1% 13.6% EQUITY BCDC TMB 10.0% 24.
Slide 24: Transforming Lives in Africa: Regional Footprint
Equity Group Holdings Plc Investor Briefing Transforming Lives in Africa: Regional Footprint FY 2025 PERFORMANCE 2.2M Customer Accounts 218K Customer Accounts 50 Branches 5 Branches 1,332 Employees 58 ATMs UGANDA SOUTH 146 Employees 20 ATMs 9,394 Agency Outlets SUDAN 76 Agency Outlets 50,463 Merchan
Slide 25: Strategy Overview
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Strategy Overview 25
Slide 26: Equity Group Transformation
Equity Group Holdings Plc Investor Briefing Equity Group Transformation FY 2025 PERFORMANCE Governance • Shareholders • Board • Executive Management S • Regulators P C P Strategy Customer People Processes & Systems • ARRP • Product House • Performance, Reward & • Expansive branch, • Brand • Customer
Slide 27: 2030 Strategy Framework
Equity Group Holdings Plc Investor Briefing 2030 Strategy Framework FY 2025 PERFORMANCE Holistic solution to achieve social and economic transformation of Africa. The Plan comprises interconnected pillars that aim to catalyse, capacitate, connect and finance enterprises and households across Africa.
Slide 28: Performance against ARRP Targets
Equity Group Holdings Plc Investor Briefing Performance against ARRP Targets FY 2025 PERFORMANCE Loan Mix - Food and Agriculture Loan Mix - Manufacturing and Logistics Loan Mix - MSME 2030 target = 30% 2030 target = 15% 2030 target = 65% 49% 40% 14.0% 8.0% 9.7% 2.6% FY 2025 FY 2025 Target FY 2025 FY
Slide 29: Banking Group
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Banking Group 29
Slide 30: Banking Group Balance Sheet Optimization and Efficiency
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Banking Group Balance Sheet Optimization and Efficiency Return on Return on Net Interest Margins Average Assets Average Equity EBKL 6.6% 8.3% 2.4% 3.9% 20.2% 26.8% EBCDC 6.6% 6.9% 2.6% 4.0% 22.7% 29.5% EBUL 11.3% 9.5% 0.5% 3.1% 3.8% 21.
Slide 31: EBKL Balance Sheet
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBKL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +1% YoY Assets growth +1% YoY Deposits growth -3% YoY Loan growth in Constant Currency in Constant Currency Asset Base in Constant Currency +1%
Slide 32: EBKL P&L
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBKL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +22% Yield on Earning Assets +65% 108.5 12.4% 12.3% 12.2% 44.0 89.3 36.0 (33%) 32.8 Non-Funded Income (37%) 26.7 FY 2023 FY 2024 FY 2025 72.5 56.5 (67%) Cost
Slide 33: EBCDC Balance Sheet
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBCDC Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +1% YoY Deposits growth Asset Base +8% YoY Assets growth +17% YoY Loan growth in Constant Currency in Constant Currency in Constant Currency +8
Slide 34: EBCDC P&L
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBCDC P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +18% Yield on Earning Assets Actual PBT Constant currency PBT 71.8 8.3% 8.6% 8.6% +60% +66% 61.0 32.1 33.4 39.5 30.6 (55%) Non-Funded Income (50%) FY 2023 F
Slide 35: EBUL Balance Sheet
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBUL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +5% YoY Assets growth in Constant Currency +5% YoY Loan growth +3% YoY Deposits growth Asset Base in Constant Currency in Constant Currency +7%
Slide 36: EBUL P&L
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBUL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +1% Yield on Earning Assets 15.3 15.4 Actual PBT Constant currency PBT 14.9% 16.5% 14.4% 5.5 +800% +799% Non-Funded Income 6.8 (36%) (44%) 4.5 4.5 FY 2023 FY
Slide 37: EBRL Balance Sheet
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBRL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +11% YoY Assets growth Asset Base in Constant Currency +29% YoY Loan growth in Constant Currency +6% YoY Deposits growth in Constant Currency +5
Slide 38: EBRL P&L
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBRL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +7% Yield on Earning Assets 13.6 Actual PBT Constant currency PBT 12.7 11.4% 10.8% 10.2% 4.8 +7% 5.1 (35%) Non-Funded Income (40%) -4% 8.4 7.8 7.5 7.8 7.6 8.
Slide 39: EBTL Balance Sheet
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBTL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +39% YoY Assets growth in Constant Currency +67% YoY Loan growth +31% YoY Deposits Asset Base in Constant Currency growth in Constant Currency +
Slide 40: EBTL P&L
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBTL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +18% Yield on Earning Assets Actual PBT Constant currency PBT 7.3 12.4% 12.9% 13.3% +133% +137% 6.2 3.8 3.5 3.6 3.3 (52%) Non-Funded Income (53%) FY 2023 FY
Slide 41: EBSSL Balance Sheet & P&L
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE EBSSL Balance Sheet & P&L (Figures in Kes Billions) Balance Sheet Customer Loans Revenue* Asset Base +35% YoY in Constant +17% YoY Loan growth in Constant Currency +35% YoY Assets growth Currency in Constant Currency. +16% 0% -65% 8.4 2
Slide 42: Overall Banking Group Performance
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Overall Banking Group Performance 42
Slide 43: Regional Diversification of Banking Business
Equity Group Holdings Plc Investor Briefing Regional Diversification of Banking Business FY 2025 PERFORMANCE Contribution of banking subsidiaries (Figures in Kes Billions) Other Subs Other Subs Regional Banking FY 2025 EBTL EBRL EBUL EBSS Equity BCDC EBKL Contribution Contribution Subs Total Group T
Slide 44: EGHL Balance Sheet
Equity Group Holdings Plc Investor Briefing EGHL Balance Sheet FY 2025 PERFORMANCE (Figures in Kes Billions) Group Balance Sheet Customer Loans Customer Deposits +8% YoY Loans growth +5% YoY Loans growth +10% YoY Assets growth in Constant Currency Asset Base in constant Currency in Constant Currency
Slide 45: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Asset Quality, Distribution and Risk Mitigation FY 2025 PERFORMANCE NPL Ratio by Segment Group NPL Ratio 22.4% FY 2024 FY 2025 14.0% 13.7% 12.2% 12.1% 10.5% 13.6% 13.5% 13.2% 12.2% 10.5% 6.6% 5.8% 2.5% 2.4% FY 2024 Q1 2025 Q2 2025 Q3 2025 FY 2025 Corporate
Slide 46: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Asset Quality, Distribution and Risk Mitigation FY 2025 PERFORMANCE Prudent Approach to Credit Risk Management (Figures in Kes Billions) IFRS Coverage and Provisions Gross Loans Staging 110.4 43.0 Provisions & Coverage (%) (43%) Credit risk guarantees * St
Slide 47: Financial Intermediation Efficiency
Equity Group Holdings Plc Investor Briefing Financial Intermediation Efficiency FY 2025 PERFORMANCE Yield on Loans Yield on Government Securities Yield on Interest Earning Assets 14.6% 13.7% 12.3% 12.3% 11.7% 11.6% 13.1% 12.4% 13.4% 13.1% 11.9% 11.7% 13.3% 11.8% 11.6% 11.6% 11.4% 11.3% 12.1% 11.7% 1
Slide 48: Insurance Group
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Insurance Group 48
Slide 49: Insurance Group: The Opportunity
Equity Group Holdings Plc Investor Briefing Equity Insurance Group: The Opportunity FY 2025 PERFORMANCE Opportunity in Africa & the Equity Strategic Intent East Africa Market & Industry Statistics (2025) 131.7* 79.1* 64.3* 86.0* 14.8* 13.4%* 11.99%* 16.36%* 35.02%* 11.42%* Low Low Low Low Low 64 62
Slide 50: Insurance Group: Strategic Market Alignment
Equity Group Holdings Plc Investor Briefing Equity Insurance Group: Strategic Market Alignment FY 2025 PERFORMANCE Equity Insurance as a trusted partner aims to transform lives through insurance solutions that • Provide peace of mind for members • Offer financial protection from unexpected shocks •
Slide 51: Market Positioning | Strong Start
Equity Group Holdings Plc Investor Briefing Market Positioning | Strong Start FY 2025 PERFORMANCE Kenya Insurance Industry Market Affirmation First Insurance subsidiary, Equity Life Assurance (Kenya) Limited, (ELAK) was +17% operationalized in March 2022 to undertake life assurance & pension busines
Slide 52: Insurance Group
Equity Group Holdings Plc Investor Briefing Equity Insurance Group FY 2025 PERFORMANCE (Figures in Kes Millions) Gross Written Premiu ums Insurance Revenue Insurance Service Result & Net Investment Income e Profit Before Tax Insurance Service Result Net Investment Income Risk DA +75% +150% +36% +32%
Slide 53: Equity Life Assurance (Kenya) Limited (ELAK)
Equity Group Holdings Plc Investor Briefing Equity Life Assurance (Kenya) Limited (ELAK) FY 2025 PERFORMANCE (Figures in Kes Millions) Gross Written Premiums Insurance Revenue Insurance Service Result & Net Investment Income Profit Before Tax Risk DA Insurance Service Result Net Investment Income +4
Slide 54: Equity Life Assurance (Kenya) Limited (ELAK)
Equity Group Holdings Plc Investor Briefing Equity Life Assurance (Kenya) Limited (ELAK) FY 2025 PERFORMANCE Performance & Growth | Demonstrated Distribution Capability Cumulative No. of Policies Issued to date (in Mn) Cumulative No. of Unique Customers (in Mn) +36% +8% +17% +2% 19.2 +41% 17.8 +12%
Slide 55: Equity General Insurance (Kenya) Limited (EGIK)
Equity Group Holdings Plc Investor Briefing Equity General Insurance (Kenya) Limited (EGIK) FY 2025 PERFORMANCE (Figures in Kes Millions) Gross Written Premiums Insurance Revenue Insurance Service Result & Net Investment Income Profit Before Tax Insurance Service Result Net Investment Income 1,789 1
Slide 56: Equity Health Insurance (Kenya) Limited (EHIK)
Equity Group Holdings Plc Investor Briefing Equity Health Insurance (Kenya) Limited (EHIK) FY 2025 PERFORMANCE (Figures in Kes Millions) Gross Written Premiums Insurance Revenue Insurance Service Result & Net Investment Income Profit Before Tax 20 Insurance Service Result Net Investment Income 50 40
Slide 57: Technology Group
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Technology Group 57
Slide 58: The Future of Technology Group
Equity Group Holdings Plc Investor Briefing The Future of Technology Group FY 2025 PERFORMANCE Deliver a reliable and scalable mobile money platform designed to offer relevant products & services Coordinated, Agile and Extensive Tech Group Capabilities Payment MVNO IT AI Digital Trading Solutions Se
Slide 59: From Investment to Business Impact
Equity Group Holdings Plc Investor Briefing From Investment to Business Impact FY 2025 PERFORMANCE Technology Operational Customer Financial Investments Capabilities Outcomes Outcomes • Microservices • Hyper- • Faster product • Lower cost-to- architecture personalised development serve • Hybrid clou
Slide 60: Strengthening One Equity Position
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Strengthening One Equity Position Shared Assets create a system of advantage for the Equity Group to tap into at scale. Identity Wallet Rails AI Models Unified KYC across all subsidiaries reduces Shared payment infrastructure enables Ce
Slide 61: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing The Technology Group Enabling the Banking Business FY 2025 PERFORMANCE Migrating from fixed and variable cost channels to self-service channels. 98.2% of our transactions outside the branch with 88.4% being via digital channels. 61
Slide 62: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE The Technology Group Enabling the Banking Business Migrating from fixed and variable cost channels to self-service channels +30% +16% 400.9 +17% 403.1 347.5 -8% 308.1 174.3 +5% -14% -5% 148.4 +17% 72.9 +3% 0% 67.1 20.3 21.5 22.6 17.4 20
Slide 63: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing The Technology Group Enabling the Banking Business FY 2025 PERFORMANCE Technology enabled lending -2% +5% 183.3 180.4 5.6 -7% 5.3 34.4 32.2 FY 2024 FY 2025 FY 2024 FY 2025 FY 2024 FY 2025 -1% +22% 174.1 172.8 11.1 9.1 FY 2024 FY 2025 FY 2024 FY 2025 63
Slide 64: Equity Investment Bank
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Equity Investment Bank 64
Slide 65: Market Opportunity and Strategic Alignment
Equity Group Holdings Plc Investor Briefing Market Opportunity and Strategic Alignment FY 2025 PERFORMANCE Universal banking integration delivering holistic advisory across personal, business and legacy 1 Y O U R H E 4A D L I N E Severe market development deficit: Africa's capital markets hold just
Slide 66: EIB Performance Highlights FY 2025
Equity Group Holdings Plc Investor Briefing EIB Performance Highlights FY 2025 FY 2025 PERFORMANCE YO U R AD LIN E Client Base Assets Under Management Total Income Profit Before Tax (Kes Bn) (Kes Mn) (Kes Mn) +14% +23% +61% +41% 5,226 28 513 196 4,583 23 139 318 FY 2024 FY 2025 FY 2024 FY 2025 FY 20
Slide 67: Contribution of Non-Banking Business
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Contribution of Non-Banking Business 67
Slide 68: Business Diversification
Equity Group Holdings Plc Investor Briefing Business Diversification FY 2025 PERFORMANCE Banking Non-Banking Non-Banking Insurance Non-Banking Group (After FY 2025 EBIL EIB Finserve Business Contribution Contribution Group Total Elimination) Total FY-2025 FY-2024 Assets 1.3 0.9 3.8 34.4 40.4 2,106.2
Slide 69: Equity Group Foundation
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Equity Group Foundation 69
Slide 70: Impact Investment and Sustainability
Equity Group Holdings Plc Investor Briefing Impact Investment and Sustainability FY 2025 PERFORMANCE Impact & Social Investment Programs Wings To Fly & Elimu Program % of Social investment 46% Food and SI T Equity Leaders Program Agriculture 36% 2% KES 99.5 Billion in Social Investment Programs Ente
Slide 71: Shared Prosperity Business Model and its Social Impact
Equity Group Holdings Plc Investor Briefing Impact Investment and Sustainability FY 2025 PERFORMANCE Shared Prosperity Business Model and its Social Impact • 9,772 Paid Internships 622,525 5.94Mn 44.6Mn 2,490,471 KES. 173.5Bn 542,830 962,924 150 KES 99.5Bn KES 401.6B 4,623,655 Cumulative Patient Vis
Slide 72: Global University Admissions
Equity Group Holdings Plc Investor Briefing Global University Admissions FY 2025 PERFORMANCE Amplifying Impact through Global Collaborations Opportunities and Plans Talent Pipeline Development: Deliver workforce-ready youth equipped with in-demand skills for Africa's fastest-growing sectors includin
Slide 73: Sustainable Development Impact Disclosure (SDID)
Equity Group Holdings Plc Investor Briefing Sustainable Development Impact Disclosure (SDID) FY 2025 PERFORMANCE From addressing Sustainable Development Goals (SDGs) with intentionality, measurability and ambition to prioritizing the most acute developmental gaps The Process • Equity Bank (Kenya) Lt
Slide 74: Sustainability
Equity Group Holdings Plc Investor Briefing Sustainability FY 2025 PERFORMANCE People YOUR Risk Management Sustainability Advocacy No. of training hours provided to Moderate Risk Rating of Group’s The Group continues to champion the employees Environmental and Social Risk Rating case for Africa’s cl
Slide 75: Strategic Partnerships Validating the Business Model
Equity Group Holdings Plc Investor Briefing Strategic Partnerships Validating FY 2025 PERFORMANCE the Business Model Banking Partners EGF Funding Partners EGF Implementing Partners Risk Share Partners 75
Slide 76: Overall Group Performance
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Overall Group Performance 76
Slide 77: Balance Sheet
Equity Group Holdings Plc Investor Briefing Balance Sheet FY 2025 PERFORMANCE FY 2025 FY 2024 FY 2025 Growth Constant Growth Currency Assets Cash & Cash Equivalents 344.6 389.4 13% 395.2 15% Government Securities 512.0 577.8 13% 579.5 13% Net Loans 819.2 882.5 8% 887.5 8% Other Assets 128.8 121.3 -6
Slide 78: Income Statement
Equity Group Holdings Plc Investor Briefing Income Statement FY 2025 PERFORMANCE (Figures in Kes Billions) FY 2025 FY 2024 FY 2025 Growth Growth Constant Currency Interest Income 170.3 173.6 2% 176.7 4% Interest Expense 61.6 46.7 -24% 47.3 -23% N et Interest Inc ome 108.7 126.9 17% 129.4 19% N on-Fu
Slide 79: Group Performance Highlights FY 2025
Equity Group Holdings Plc Investor Briefing Group Performance Highlights FY 2025 FY 2025 PERFORMANCE Customer Deposits (Kes) Total Income (Kes) Efficiency Ratios 1.46Tn 217.7Bn NIM 8.5% 0.7% 4% 12% CIR 51.0% -7.2% Net Loans (Kes) Profit Before Tax (Kes) Profitability Ratios 882.5Bn 92.1Bn ROAE 26.7%
Slide 80: Group Efficiency and Risk Ratios Trend
Equity Group Holdings Plc Investor Briefing Group Efficiency and Risk Ratios Trend FY 2025 PERFORMANCE 80
Slide 81: Financials in USD Millions
Equity Group Holdings Plc Investor Briefing Equity Group Financials in USD Millions FY 2025 PERFORMANCE 81
Slide 82: Financial Ratios
Equity Group Holdings Plc Investor Briefing Financial Ratios FY 2025 PERFORMANCE EBKL EBCDC GROUP FY 2024 FY 2025 FY 2024 FY 2025 FY 2024 FY 2025 Profitability Yield on Loans 14.3% 14.1% 10.3% 10.0% 13.3% 12.7% Yield on Government Securities 11.9% 11.0% 13.9% 11.6% 11.8% 11.3% Yield on Interest Earn
Slide 83: 2025 Guidance vs. Actual - Group
Equity Group Holdings Plc Investor Briefing 2025 Guidance vs. Actual - Group FY 2025 PERFORMANCE 2025 Guidance FY 2025 Actual 2026 Guidance Loan Growth Deposit Growth Net Interest Margin Non-Funded Income Mix Cost to Income Ratio Return on Average Equity Return on Average Assets Cost of Risk NPL Sub
Slide 84: Industry Positioning by Market Cap, Assets and Profitability
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Industry Positioning by Market Cap, Assets and Profitability 84
Slide 85: Appendices – Awards and Accolades
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Appendices – Awards and Accolades 85
Slide 86: Global Ratings and Accolades
Global Ratings and Accolades Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE • 2nd strongest banking brand in the world (2024) • Position 1 in Africa (2024) • 10th most valuable banking brand in Africa (2024) • Most valuable brand in East and Central Africa (2024) • Most valuable bra
Slide 87: Global Ratings and Accolades (continued)
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) FY 2025 PERFORMANCE EUROMONEY AWARDS 2024 Equity Bank Credity Rating • Best Bank for Corporate • Position 19 in Africa African Business Leadership Equity Bank Credit Rating • Best Regional Bank East • Visa Top Acqui
Slide 88: Equity Recognized as a Superbrand in East Africa
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) FY 2025 PERFORMANCE EQUITY GROUP HOLDINGS PLC RECOGNIZED AS A SUPERBRAND IN EAST AFRICA Equity Group Managing Director and CEO, Dr. James Mwangi (Right) receives the certificate of recognition from Superbrands East
Slide 89: Freedom of the City of London; UNHCR Visionary Award
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) FY 2025 PERFORMANCE FREEDOM OF THE CITY OF LONDON UNHCR VISIONARY AWARD Dr. James Mwangi, Equity Group Holdings Managing Director and CEO with Lord Equity Group Foundation Executive Chairman Dr. James Mwangi Jonatha
Slide 90: 2025 National Banking Awards and Accolades
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE 2025 National Banking Awards and Accolades INDIVIDUAL CEO of the Year – Dr. James Mwangi (5 Years Running) 1. Best Bank in Sustainable Corporate Social Responsibility – Winner (7 years running) 2. Best Bank in Financial Literacy Program
Slide 91: 2025 National Insurance Awards and Accolades
INSURANCE Equity Group Holdings Plc Investor Briefing AWARDS FY 2025 PERFORMANCE 2025 2025 National Insurance Awards and Accolades 1. Best Bancassurance Intermediary Ltd - 1st Runner Up EQUITY BANCASSURANCE 2. Risk Management Award - 1st Runner Up INTERMEDIARY LTD 3. Best Bancassurance Intermediary
Slide 92: Industry Recognition
Equity Group Holdings Plc Investor Briefing Industry Recognition FY 2025 PERFORMANCE Others Absa 19.8 (10%) Kingdom 4.3 4.0 (2%) (2%) I&M 15.4 (8%) 90.7 Equity (45%) 17.4 Coop (9%) 19.2 (10%) Stanbic 30.1 (15%) KCB 92
Slide 93: Proparco grants €1 million technical assistance to Equity Group Foundation
Proparco grants €1 million technical Equity Group Holdings Plc Investor Briefing assistance to Equity Group Foundation FY 2025 PERFORMANCE to help Kenyan smallholder farmers This partnership with a long-standing client, Equity Group, aims to transition to Climate-Smart Agriculture support small Keny
Slide 94: UN General Assembly President Visits Equity
The UN General Assembly President Visits Equity to Equity Group Holdings Plc Investor Briefing Discuss Youth Innovation and Digital Technology FY 2025 PERFORMANCE His Excellency Philemon Yang, the President of the United Nations General Assembly (UNGA), visited Equity for high-level discussions cent
Slide 95: Macroeconomic Environment Indicators & Trends
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Macroeconomic Environment Indicators & Trends 95 95
Slide 96: Iran–Middle East Crisis
Iran–Middle East Crisis Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Iran’s retaliation against Israel/US military actions created an unexpected geopolitical escalation that rattled global markets and triggered immediate concerns about oil supply security. Global Impacts • Oil pri
Slide 97: Kenya Country Economic Update
Kenya Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Stable Fundamentals in 2026 • Economic growth: 2025 Q3 GDP up 4.9% boosted by construction recovery. 2026 growth expected at around 5%. • Inflation: YoY inflation was 4.5% YoY in December (4.4% in January 2
Slide 98: DRC Country Economic Update
DRC Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Resilience Amid Uncertainty Resilient growth: GDP growth is expected to decelerate slightly from 5.6% in 2025 to 5.3% in 2026, based on the latest IMF report. Big drop in inflation: Year-on-year inflation fel
Slide 99: Uganda Country Economic Update
Uganda Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Post-Election Stability and Oil Momentum Set the Stage for Strong Growth in 2026 • Strong macroeconomic fundamentals: Uganda enters 2026 with robust growth, low Inflation, a stable currency and improved FX
Slide 100: DRC Country Economic Update
DRC Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Resilience Amid Uncertainty Resilient growth: GDP growth is expected to decelerate slightly from 5.6% in 2025 to 5.3% in 2026, based on the latest IMF report. Big drop in inflation: Year-on-year inflation fel
Slide 101: Uganda Country Economic Update
Uganda Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Post-Election Stability and Oil Momentum Set the Stage for Strong Growth in 2026 • Strong macroeconomic fundamentals: Uganda enters 2026 with robust growth, low Inflation, a stable currency and improved FX
Slide 102: Rwanda Country Economic Update
Rwanda Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Fast Growth and Important Anchor • Robust Growth: Rwanda’s economy expanded by 11.8% YoY in Q3-2025, accelerating sharply from 7.8% in Q2-2025 and 6.5% in Q1-2025. This represents one of the strongest quar
Slide 103: Tanzania Country Economic Update
Tanzania Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Strong Macroeconomic Fundamentals • Economic growth: 6.4% in Q3 2025; full-year 2025 is estimated at around 6%, and similar in 2026. • Inflation: Best-in-class regionally, averaging 3.3% in 2025; 3.6% in
Slide 104: South Sudan Country Economic Update
South Sudan Country Economic Update Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Lost Time • Uncertainty on GDP growth: The IMF (October 2025) estimates GDP growth was +24% in 2025, the World Bank (Jan 2026) estimates it was –24% (presumably for the fiscal year ending June 2025).
Slide 105: Glossary
Glossary Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE # Acronym # Acronym # Acronym 1 ABSA Absa Group Limited 36 EBUL Equity Bank Uganda Limited 72 PAT Profit After Tax 2 AFDB African Development Bank 37 EGHL/EGH Equity Group Holdings Plc 73 PBT Profit Before Tax 3 AGOA African Gr
Slide 106: Disclaimer
Equity Group Holdings Plc Investor Briefing Disclaimer FY 2025 PERFORMANCE This document and the information therein has been prepared by Equity Group Holdings Plc (the “Group”) for informational purposes only and does not constitute an offer or solicitation to buy, sell, or subscribe to any securit
Slide 107: QR codes to reports and resources
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Scan QR code below to download the Scan QR code below to download the Africa Recovery and Resilience Plan The Africa Recovery and Resilience Plan In Action Scan QR code below to view video: back better by Equity Group Managing Director
Slide 108: Notes
Equity Group Holdings Plc Investor Briefing Notes FY 2025 PERFORMANCE For more information please contact: [email protected] 108 108
Slide 109: Notes
Equity Group Holdings Plc Investor Briefing Notes FY 2025 PERFORMANCE For more information please contact: [email protected] 109 109
Slide 110: Notes
Equity Group Holdings Plc Investor Briefing Notes FY 2025 PERFORMANCE For more information please contact: [email protected] 110 110
Slide 111: Equity Centre - EquityBCDC Le Siège Social, Kinshasa
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Equity Centre - EquityBCDC Le Siège Social, Kinshasa 111
Slide 112: Equity Centre, 9th Floor, UpperHill
Equity Group Holdings Plc Investor Briefing FY 2025 PERFORMANCE Equity Centre P.O. Box 75104–00200, Nairobi. Tel: 0763063000, Fax: + 254-020-2737276, [email protected], www.equitygroupholdings.com Equity Centre, 9th Floor, @keEquityBank UpperHill keEquityBank P.O.Box 75104, Nairobi, Tel: