Equity Group Holdings Limited · NSEKE:EQTY
Equity — Q3 2025 Earnings Presentation
112 slides from Equity's earnings presentation, October 2025
Slide 1: Investor Briefing Q3 2025 Performance
EQUITY GROUP HOLDINGS PLC INVESTOR BRIEFING Q3 | 2025 PERFORMANCE
Slide 2: Equity Group Holdings Plc Headquarters
Equity Group Holdings Plc Investor Briefing Q3 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 Q3 2025 PERFORMANCE 1 Equity Group’s Philosophies 4 2 Governance and Organizational Structure 5 3 Macroeconomic and Operating Environment 12 4 Strategy Overview 21 5 Banking Group 26 6 Overall Banking Group Performance 39 7 Insurance Grou
Slide 4: Equity Group's Philosophies
Equity Group Holdings Plc Investor Briefing Q3 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 Q3 2025 PERFORMANCE Governance and Organizational Structure 5
Slide 6: Governance & Risk Management Framework
Equity Group Holdings Plc Investor Briefing Governance & Risk Management Framework Q3 2025 PERFORMANCE RISK PROCUREMENT COMMITTEE COMMITTEE Equity Group Foundation Equity Afya 6
Slide 7: Governance and Organizational Structure
Equity Group Holdings Plc Investor Briefing Governance and Organizational Structure Q3 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 Q3 2025 PERFORMANCE Dr.James Mwangi,CBS Group Managing Director & Chief Executive Officer Samuel Kirub i Brent Malaha y Gertrude Karugab a Group Chief Operating Group Chief Strategy Officer Chief Legal Officer Officer Stephen Owu
Slide 9: Group Executive Management
Equity Group Holdings Plc Investor Briefing Group Executive Management Q3 2025 PERFORMANCE David Ssegaw a Rene Kalonji Christine Brown e Group Director Human Chief Product Officer Group Director Special Resources Assets Joy DiBenedett o Michael Kwofie Sam Gitweker e Group Director Chief Information
Slide 10: Group Executive Management
Equity Group Holdings Plc Investor Briefing Group Executive Management Q3 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 Q3 2025 PERFORMANCE Prof. Isaac Ma chari a Dr. James Mwangi, CB S Non-Executive Chairman Group Managing Director and Chief Executive Officer Samuel Mwale Jonas Mushosho Dr. Evans Baiy a Ms. Farida Khambata Non-Executive Director No
Slide 12: Press Release
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Press Release 12
Slide 13: Press Release
Equity Group Holdings Plc Investor Briefing Press Release Q3 2025 PERFORMANCE EQUITY GROUP ANNOUNCES STRONG Q3 2025 RESULTS, RECORDING A 32% GROWTH IN PROFIT AFTER TAX REFLECTING STRATEGIC TRANSFORMATION • Equity Bank Kenya recovery bounced back with growth in profit after tax of Kshs. 31.1 billion
Slide 14: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) Q3 2025 PERFORMANCE as developed and mapped The Group its 2030 has developed strategic and mappedplan to anchor its 2030 the Africa strategic plan toRecovery andAfrica anchor the Resilience Planand Recovery (ARRP), with an Resi
Slide 15: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) Q3 2025 PERFORMANCE at 4.1%. The Group demonstrated effective revenue diversification, as evidenced by a 16% growth in net interest income and 3% growth in non-funded income. The Group also achieved improved efficiency, with th
Slide 16: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) Q3 2025 PERFORMANCE ersification continues Regional to transform diversification Equityto continues Group from aEquity transform Kenyan bankfrom Group to a aregional Kenyanpowerhouse, with 50% bank to a regional of deposits, po
Slide 17: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) Q3 2025 PERFORMANCE 28% to Kshs.4.9 billion, up from Kshs.3.8 billion, with net insurance and investment revenue growing by 20% to Kshs. 1.39 billion up from Kshs.1.16 billion and with profit before tax rising by 21% to Kshs. 1
Slide 18: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) Q3 2025 PERFORMANCE , downratio fromof20.9%. 8.8%, Equity down from Group20.9%. outperformed Equity Group the Kenyan outperformed industrythe registering Kenyan industry NPL ratio registering of 12.1% NPL against ratio industry
Slide 19: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Press Release (continued...) Q3 2025 PERFORMANCE with over K90.727B disbursed to SMEs in FY2025 as of July 2025. To Date, under the Young Africa Works program in partnership with the Mastercard Foundation, Equity Group Foundation has mobilized 720,968 prev
Slide 20: Macroeconomic and Operating Environment
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Macroeconomic and Operating Environment 20
Slide 21: The Global Economic Landscape
Equity Group Holdings Plc Investor Briefing The Global Economic Landscape Q3 2025 PERFORMANCE Resilience in a Dynamic Global Environment • Slightly Stronger Global Economic Growth: Anchored in stable growth for the U.S., E.U., and China-helpful but still sluggish. • Heightened Global Fragility, info
Slide 22: Dynamics in EGH Economies
Equity Group Holdings Plc Investor Briefing Dynamics in EGH Economies Q3 2025 PERFORMANCE East Africa Remains a Growth Powerhouse 9 of the top 20 fastest growing economies in the world are in Africa in 2025, including Rwanda and Uganda. In 2024, Rwanda and DRC were in the top 20. East Africa growth
Slide 23: Dynamics in EGH Economies
Equity Group Holdings Plc Investor Briefing Dynamics in EGH Economies Q3 2025 PERFORMANCE Region well-poised to improve average income levels • East Africa is achieving per capita GDP growth rates that out perform the U.S. • To converge per capita GDP towards rich economies, EGH economies require pe
Slide 24: Select Africa Eurobond Dynamics
Equity Group Holdings Plc Investor Briefing Select Africa Eurobond Dynamics Q3 2025 PERFORMANCE Eurobond Prices • Global asset allocators are still pushing money towards emerging markets. With yields so low on most EM $ bonds, investors are keen to buy higher yield African bonds. • The main risks ar
Slide 25: IMF October 2025 WEO Forecasts
Equity Group Holdings Plc Investor Briefing IMF October 2025 WEO Forecasts Q3 2025 PERFORMANCE • The top 15 African economies in 2025, estimated by the IMF with most of this year's exchange rates already known, and first half GDP figures mostly released. • Nigeria still in 4th but expected to overta
Slide 26: Interest Payments as a Percentage of Revenues
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Interest Payments as a Percentage of Revenues Governments need to be mindful of their interest burden, low or falling inflation helps Some of the strongest equity market performances in Africa over 2024-25 have been in markets which hav
Slide 27: Presence and Market Position
Equity Group Holdings Plc Investor Briefing Equity Group Presence and Market Position Q3 2025 PERFORMANCE 27
Slide 28: Transforming Lives in Africa: Regional Footprint
Equity Group Holdings Plc Investor Briefing Transforming Lives in Africa: Regional Footprint Q3 2025 PERFORMANCE 28
Slide 29: Strategy Overview
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Strategy Overview 29
Slide 30: Equity Group Transformation Governance
Equity Group Holdings Plc Investor Briefing Equity Group Transformation Q3 2025 PERFORMANCE Governance • Shareholders • Board • Executive Management S • Regulators P C P Strategy Customer People Processes & Systems • ARRP • Product House • Performance, Reward & • Expansive Branch, Agency & • Brand •
Slide 31: 2030 Strategy Framework
Equity Group Holdings Plc Investor Briefing 2030 Strategy Framework Q3 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 32: Performance against ARRP Targets
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Performance against ARRP Targets 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% 11.5% 3.2% Q3 2025 FY 2025 Target Q3 2025 F
Slide 33: Equity Dominates MSME Lending in 2025
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Equity Dominates MSME Lending in 2025 Equity Bank disbursed 45% of the Kes 201Bn MSME loans disbursed between January and July 2025 Others 19.8 Absa (10%) Kingdom 4.3 4.0 (2%) (2%) • Empowering MSMEs - Aligned to our I&M 15.4 ARRP strat
Slide 34: Banking Group
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Banking Group 34
Slide 35: Banking Group Balance Sheet Optimization and Efficiency
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Banking Group Balance Sheet Optimization and Efficiency Return on Return on Net Interest Margins Average Assets Average Equity EBKL 6.6% 8.1% 2.7% 4.2% 23.7% 28.3% EBCDC 6.6% 6.9% 2.6% 3.1% 22.3% 23.0% EBUL 10.5% 9.3% 2.0% 3.4% 15.1% 24
Slide 36: EBKL Balance Sheet
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE EBKL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits -1% YoY in -4% YoY Loan growth -6% YoY Deposits growth Constant Currency in Constant Currency in Constant Currency Asset Base -1% -4% -6% 985.4
Slide 37: EBKL P&L
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE EBKL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +22% Yield on Earning Assets +50% 80.2 12.4% 12.4% 12.2% 65.8 26.6 35.3 (33%) 23.8 Non-Funded Income 23.5 (36%) Q3 2024 FY 2024 Q3 2025 53.6 42.0 (67%) Cost
Slide 38: EBCDC Balance Sheet
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE EBCDC Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +7% YoY Assets growth +19% YoY Loan growth +3% YoY Deposits growth Asset Base in Constant Currency in Constant Currency in Constant Currency +7
Slide 39: EBCDC P&L
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE EBCDC P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +8% Actual PBT Constant currency PBT Yield on Earning Assets 47.8 8.5% 8.6% 8.5% +18% +24% 44.4 24.1 17.7 18.7 21.8 Non-Funded Income (50%) 15.0 15.0 49%) Q3 2
Slide 40: EBUL Balance Sheet
Equity Group Holdings Plc Investor Briefing EBUL Balance Sheet Q3 2025 PERFORMANCE (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits -2% YoY in -9% YoY Loan growth -5% YoY Deposits growth Constant Currency in Constant Currency in Constant Currency Asset Base +3% -3% 0% 116.7 1
Slide 41: EBUL P&L
Equity Group Holdings Plc Investor Briefing EBUL P&L Q3 2025 PERFORMANCE (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +5% Yield on Earning Assets Actual PBT Constant currency PBT 11.4 10.9 15.2% 16.5% 14.1% +46% +47% 4.1 5.3 Non-Funded Income (38%) (46%) 3.5 3.5 Q3 2024 FY 2024
Slide 42: EBRL Balance Sheet
Equity Group Holdings Plc Investor Briefing EBRL Balance Sheet Q3 2025 PERFORMANCE (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +13% YoY in +44% YoY Loan growth +9% YoY Deposits growth Asset Base Constant Currency in Constant Currency in Constant Currency +5% +34% +1% 124
Slide 43: EBRL P&L
Equity Group Holdings Plc Investor Briefing EBRL P&L Q3 2025 PERFORMANCE (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +7% Yield on Earning Assets Actual PBT Constant currency PBT 9.6 9.0 10.7% 10.8% 10.4% 3.4 +20% 3.3 +4% Non-Funded Income (35%) (37%) 6.3 5.3 5.5 5.3 5.7 6.2 Q3
Slide 44: EBTL Balance Sheet
Equity Group Holdings Plc Investor Briefing EBTL Balance Sheet Q3 2025 PERFORMANCE (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +31% YoY in Constant Currency +37% YoY Loan growth +22% YoY Deposits growth Asset Base in Constant Currency in Constant Currency +45% +51% +35%
Slide 45: EBTL P&L
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE EBTL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax Actual PBT Constant currency PBT +19% Yield on Earning Assets +114% 5.1 12.7% 12.9% 13.5% +111% 4.3 1.9 2.6 1.9 2.1 (51%) Non-Funded Income (49%) Q3 2024 FY 202
Slide 46: EBSSL Balance Sheet & P&L
Equity Group Holdings Plc Investor Briefing EBSSL Balance Sheet & P&L Q3 2025 PERFORMANCE 46
Slide 47: Overall Banking Group Performance
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Overall Banking Group Performance 47
Slide 48: Regional Diversification of Banking Business
Equity Group Holdings Plc Investor Briefing Regional Diversification of Banking Business Q3 2025 PERFORMANCE Contribution of banking subsidiaries 48
Slide 49: EGHL Balance Sheet
Equity Group Holdings Plc Investor Briefing EGHL Balance Sheet Q3 2025 PERFORMANCE 64% 61% 59% 49
Slide 50: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Asset Quality, Distribution and Risk Mitigation Q3 2025 PERFORMANCE 109% 97% 103% 89% 90% 38% 29% 32% 22% 22% 71% 68% 71% 67% 68% 50
Slide 51: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Asset Quality, Distribution and Risk Mitigation Q3 2025 PERFORMANCE Prudent Approach to Credit Risk Management 51
Slide 52: Financial Intermediation Efficiency
Equity Group Holdings Plc Investor Briefing Financial Intermediation Efficiency Q3 2025 PERFORMANCE 52
Slide 53: Insurance Group
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Insurance Group 53
Slide 54: Insurance Group: The Opportunity
Equity Group Holdings Plc Investor Briefing Equity Insurance Group: The Opportunity Q3 2025 PERFORMANCE Opportunity in Africa & the Equity Strategic Intent • Low average insurance penetration rates. The average Insurance penetration rate across the countries that Equity operates in stands at only 1.
Slide 55: Insurance Group: Strategic Market Alignment
Equity Group Holdings Plc Investor Briefing Equity Insurance Group: Strategic Market Alignment Q3 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 56: Market Positioning | Strong Start
Equity Group Holdings Plc Investor Briefing Market Positioning | Strong Start Q3 2025 PERFORMANCE Kenya Insurance Industry Market Affirmation First Insurance subsidiary, Equity Life Assurance (Kenya) Limited, (ELAK) was operationalized in March 2022 to undertake life assurance & pension business. Se
Slide 57: Equity Insurance Group
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Equity Insurance Group 57
Slide 58: Life Assurance (Kenya) Limited (ELAK)
Equity Group Holdings Plc Investor Briefing Equity Life Assurance (Kenya) Limited (ELAK) Q3 2025 PERFORMANCE 58
Slide 59: Life Assurance (Kenya) Limited (ELAK)
Equity Group Holdings Plc Investor Briefing Equity Life Assurance (Kenya) Limited (ELAK) Q3 2025 PERFORMANCE Performance & Growth | Demonstrated Distribution Capability Notes: • 17.8 million policies issued as at 30 September 2025 • 6.8 million unique customers consuming various insurance products •
Slide 60: General Insurance (Kenya) Limited (EGIK)
Equity Group Holdings Plc Investor Briefing Equity General Insurance (Kenya) Limited (EGIK) Q3 2025 PERFORMANCE 60
Slide 61: Health Insurance (Kenya) Limited (EHIK)
Equity Group Holdings Plc Investor Briefing Equity Health Insurance (Kenya) Limited (EHIK) Q3 2025 PERFORMANCE 61
Slide 62: Technology Group
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Technology Group 62
Slide 63: The Future of Technology Group
Equity Group Holdings Plc Investor Briefing The Future of Technology Group Q3 2025 PERFORMANCE Deliver a reliable and scalable mobile money platform designed to offer relevant products & services • • • • • • • • • • • • • • 63
Slide 64: Technology Investments Driving Resilience, Growth & Sustainable Value
Equity Group Holdings Plc Investor Briefing Technology Investments Driving Resilience, Q3 2025 PERFORMANCE Growth & Sustainable Value Technology remains central to the Group’s strong operational performance and strategic resilience. During the quarter, we further improved system reliability, launche
Slide 65: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE The Technology Group Enabling the Banking Business Migrating from fixed and variable cost channels to self-service channels. 98% of our transactions outside the branch. 65
Slide 66: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE The Technology Group Enabling the Banking Business Migrating from fixed and variable cost channels to self-service channels 66
Slide 67: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE The Technology Group Enabling the Banking Business Technology enabled lending 67
Slide 68: Contribution of Non-Banking Business
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Contribution of Non-Banking Business 68
Slide 69: Business Diversification
Equity Group Holdings Plc Investor Briefing Business Diversification Q3 2025 PERFORMANCE 69
Slide 70: Equity Group Foundation
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Equity Group Foundation 70
Slide 71: Impact Investment and Sustainability
Equity Group Holdings Plc Investor Briefing Impact Investment and Sustainability Q3 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 98 Billion in Social Investment Programs Enterp
Slide 72: Impact Investment and Sustainability
Equity Group Holdings Plc Investor Briefing Impact Investment and Sustainability Q3 2025 PERFORMANCE Shared Prosperity Business Model and its Social Impact 72
Slide 73: Global University Admissions
Equity Group Holdings Plc Investor Briefing Global University Admissions Q3 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 74: Sustainable Development Impact Disclosure (SDID)
Equity Group Holdings Plc Investor Briefing Sustainable Development Impact Disclosure (SDID) Q3 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 75: Sustainability
Equity Group Holdings Plc Investor Briefing Sustainability Q3 2025 PERFORMANCE 75
Slide 76: Strategic Partnerships Validating the Business Model
Equity Group Holdings Plc Investor Briefing Strategic Partnerships Validating Q3 2025 PERFORMANCE the Business Model Banking Partners EGF Funding Partners EGF Implementing Partners Risk Share Partners 76
Slide 77: Overall Group Performance
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Overall Group Performance 77
Slide 78: Balance Sheet
Equity Group Holdings Plc Investor Briefing Balance Sheet Q3 2025 PERFORMANCE 78
Slide 79: Income Statement
Equity Group Holdings Plc Investor Briefing Income Statement Q3 2025 PERFORMANCE 79
Slide 80: Group Performance Highlights Q3 2025
Equity Group Holdings Plc Investor Briefing Group Performance Highlights Q3 2025 Q3 2025 PERFORMANCE 80
Slide 81: Group Efficiency and Risk Ratios Trend
Equity Group Holdings Plc Investor Briefing Group Efficiency and Risk Ratios Trend Q3 2025 PERFORMANCE 81
Slide 82: QoQ Profit Before Tax (PBT) and Returns Trend
Equity Group Holdings Plc Investor Briefing QoQ Profit Before Tax (PBT) and Returns Trend Q3 2025 PERFORMANCE 82
Slide 83: Financials in USD Millions
Equity Group Holdings Plc Investor Briefing Equity Group Financials in USD Millions Q3 2025 PERFORMANCE Figures are translated using period-average exchange rates for P&L and closing rates for the balance sheet 83
Slide 84: Financial Ratios
Equity Group Holdings Plc Investor Briefing Financial Ratios Q3 2025 PERFORMANCE 84
Slide 85: 2025 Guidance vs. Actual - Group
Equity Group Holdings Plc Investor Briefing 2025 Guidance vs. Actual - Group Q3 2025 PERFORMANCE 85
Slide 86: Industry Positioning by Market Cap, Assets and Profitability
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Industry Positioning by Market Cap, Assets and Profitability 86
Slide 87: Appendices – Awards and Accolades
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Appendices – Awards and Accolades 87
Slide 88: Global Ratings and Accolades
Global Ratings and Accolades Equity Group Holdings Plc Investor Briefing Q3 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 89: Global Ratings and Accolades (continued)
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) Q3 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 90: Global Ratings and Accolades (continued)
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) Q3 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 91: Global Ratings and Accolades (continued)
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) Q3 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 92: 2025 National Banking Awards and Accolades
Equity Group Holdings Plc Investor Briefing Q3 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 93: 2025 National Insurance Awards and Accolades
INSURANCE Equity Group Holdings Plc Investor Briefing AWARDS Q3 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 94: Industry Recognition
Equity Group Holdings Plc Investor Briefing Industry Recognition Q3 2025 PERFORMANCE 94
Slide 95: 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 Q3 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 96: The UN General Assembly President Visits Equity
Equity Group Holdings Plc Investor Briefing The UN General Assembly President Visits Equity to Q3 2025 PERFORMANCE Discuss Youth Innovation and Digital Technology His Excellency Philemon Yang, the President of the United Nations General Assembly (UNGA), visited Equity for high-level discussions cent
Slide 97: Macroeconomic Environment Indicators & Trends
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Macroeconomic Environment Indicators & Trends 97
Slide 98: Kenya Country Economic Update
Equity Group Holdings Plc Investor Briefing Kenya Country Economic Update Q3 2025 PERFORMANCE Stable Fundamentals • Stable Economic Growth: At 5.0% in Q2 2025, up from the 4.6% in Q2 2024. Growth expected at about 5.0% for 2025. • Inflation: At 4.6% in September up slightly from 4.5% in August. We e
Slide 99: DRC Country Economic Update
Equity Group Holdings Plc Investor Briefing DRC Country Economic Update Q3 2025 PERFORMANCE Resilience Amid Uncertainty • Easing Economic Growth: Growth projected at 5.3% in 2025, down from 6.7% in 2024 due to reduced growth from extractives sector. Full year growth expected at 5.3% for 2025. • Easi
Slide 100: Uganda Country Economic Update
Equity Group Holdings Plc Investor Briefing Uganda Country Economic Update Q3 2025 PERFORMANCE Strong Growth and FDI • Economic Growth: Grew by 6.3% in FY24/25, up from 6.1% in FY23/24. Full calendar year growth expected at 6.4% in 2025. • Inflation: Rose to 4.0% in September from 3.8% in August, ex
Slide 101: Rwanda Country Economic Update
Equity Group Holdings Plc Investor Briefing Rwanda Country Economic Update Q3 2025 PERFORMANCE Fast Growth and Important Anchor • Robust Growth: At 7.8% in Q2 2025 (Y-o-Y). Full year growth expected at 7.1% in 2025—fastest in EGH region. • Inflation: Eased to 6.2% in September from 6.4% in August, s
Slide 102: Tanzania Country Economic Update
Equity Group Holdings Plc Investor Briefing Tanzania Country Economic Update Q3 2025 PERFORMANCE Most Promising • Tanzania has the best top-down macro in the EGH region. • Strong Economic Growth: At 6.3% in Q2 2025. Full calendar year growth expected at 6.0% in 2025. • Stable Inflation: Held at 3.4%
Slide 103: South Sudan Country Economic Update
Equity Group Holdings Plc Investor Briefing South Sudan Country Economic Update Q3 2025 PERFORMANCE Lost Time • Weak GDP Growth: Economy is still set to contract by -4.3% in 2025 due to oil production interruption. • Oil Production Disruption: Conflict continues to disrupt oil exports. Some producti
Slide 104: Glossary
Glossary Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE 104
Slide 105: Disclaimer
Equity Group Holdings Plc Investor Briefing Disclaimer Q3 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 106: Investor Briefing resources and QR codes
Equity Group Holdings Plc Investor Briefing Scan QR code below to download the Scan QR code below to download theQ 3 2 0 2 5 P E R F O R M A N C E 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 Manag
Slide 107: Notes
Equity Group Holdings Plc Investor Briefing Notes Q3 2025 PERFORMANCE For more information please contact: [email protected] 107
Slide 108: Notes
Equity Group Holdings Plc Investor Briefing Notes Q3 2025 PERFORMANCE For more information please contact: [email protected] 108
Slide 109: Notes
Equity Group Holdings Plc Investor Briefing Notes Q3 2025 PERFORMANCE For more information please contact: [email protected] 109
Slide 110: Notes
Equity Group Holdings Plc Investor Briefing Notes Q3 2025 PERFORMANCE For more information please contact: [email protected] 110
Slide 111: Equity Centre - EquityBCDC Le Siège Social, Kinshasa
Equity Group Holdings Plc Investor Briefing Q3 2025 PERFORMANCE Equity Centre - EquityBCDC Le Siège Social, Kinshasa 111
Slide 112: Equity Group Holdings Plc Investor Briefing contact details
Equity Group Holdings Plc Investor Briefing Q3 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:
Equity Group Holdings — Q3 2025 Earnings Presentation on 6ix