Equity Group Holdings Limited · NSEKE:EQTY
Equity — Q1 2026 Earnings Presentation
103 slides from Equity's earnings presentation, May 2026
Slide 1: Investor Briefing Q1 2026 Performance
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EQUITY GROUP HOLDINGS PLC INVESTOR BRIEFING Q1 | 2026 PERFORMANCE 1
Slide 2: Equity Group Holdings Plc Headquarters
Equity Group Holdings Plc Investor Briefing Q1 2026 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 Q1 2026 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 21 6 Banking Group 25 7 Overall Banking Group Performance
Slide 4: Equity Group's Philosophies
Equity Group Holdings Plc Investor Briefing Q1 2026 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 Q1 2026 PERFORMANCE Governance and Organizational Structure5
Slide 6: Governance & Risk Management Framework
Equity Group Holdings Plc Investor Briefing Governance & Risk Management Framework Q1 2026 PERFORMANCE 6
Slide 7: Governance and Organizational Structure
Equity Group Holdings Plc Investor Briefing Governance and Organizational Structure Q1 2026 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 Q1 2026 PERFORMANCE Dr.JamesMwangi,CBS Group Managing Director & Chief Executive Officer Samuel Kirubi Brent Malahay Gertrude Karugaba Group Chief Operating Group Chief Strategy Officer Chief Legal Officer Officer Anthony Murage
Slide 9: Group Executive Management
Equity Group Holdings Plc Investor Briefing Group Executive Management Q1 2026 PERFORMANCE Stephen Owuyo Rene Kalonji Christine Browne Group Finance Director Chief Product Officer Group Director Special Assets Joy DiBenedetto Michael Kwofie David Ssegawa Group Chief Global Affairs, Chief Information
Slide 10: Group Executive Management
Group Executive Management Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Moses Nyabanda Isabella Maganga Willy Mulamba Gift Shoko Managing Director, Managing Director, Managing Director, Managing Director, Equity Bank Kenya Equity Bank Tanzania Equity BCDC S.A Equity Bank Uganda Ha
Slide 11: Group Board of Directors
Equity Group Holdings Plc Investor Briefing Group Board of Directors Q1 2026 PERFORMANCE Prof.Issac Macharia Dr. James Mwangi, CBS Non-Executive Chairman Group Managing Director and Chief Executive Officer Mr. Samuel Mwale Mr. Jonas Mushosho Ms. Farida Khambata Dr. Evans Baiya Non-Executive Director
Slide 12: Press Release
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Slide 13: Press Release
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Press Release EQUITY GROUP ACCELERATES TECHNOLOGY-LED TRANSFORMATION DELIVERING STRONG Q1 2026 GROWTH AND REGIONAL LEADERSHIP • Equity Group delivered a 24% year-on-year increase in Profit After Tax to KSh19.1 billion (Q1 2025: KSh15.4
Slide 14: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Press Release (continued...) Commenting on the results, Dr. James Mwangi, Group Managing Director and CEO, said: “Our Q1 performance reflects the success of our deliberate transformation into a diversified, regional, technology-led fina
Slide 15: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Press Release (continued...) Equity Group Foundation: Impact at Scale The Equity Group Foundation (EGF) continued to deliver transformative social impact across Africa through Equity Group’s integrated model of economic empowerment, soc
Slide 16: Macroeconomic and Operating Environment
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Macroeconomic and 16 Operating Environment
Slide 17: Strong Macro Base with Emerging External Risks
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Strong Macro Base with Emerging External Risks 11 of the top 25 fastest growing economies in the world were in Africa in 2025 including Rwanda, Uganda, Ethiopia and South Sudan. • Robust Growth and Macro Stability - East Africa sustaine
Slide 18: Sovereign Ratings Outlook: Cautious Bias Emerging
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Sovereign Ratings Outlook: Cautious Bias Emerging • Momentum Slowing as External Risks Rise - Ratings improved across East Africa in 2025 and early 2026; however, the Hormuz disruption introduces downside risk, shifting the outlook to a
Slide 19: Equity Group Presence and Market Position
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Group Presence and Market Position KENYA DRC* RWANDA Equity in top 2 in half of the KCB 17.8% RAWBANK 29.3% BANK OF KIGALI 33.8% markets, based on total assets in 2025 EQUITY CO-OPERATIVE YOUR H ADLINE 9.0% 12.4% EQUITY BCDC TMB
Slide 20: Transforming Lives in Africa: Regional Footprint
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Transforming Lives in Africa: Regional Footprint 2.0M Customer Accounts 222K Customer Accounts 50 Branches 5 Branches 1,360 Employees UGANDA SOUTH 144 Employees 58 ATMs 20 ATMs SUDAN WILL SIT 9,316 Agency Outlets 76 Agency Outlets 50,50
Slide 21: Strategy Overview
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Strategy Overview 21
Slide 22: Equity Group Transformation
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Group Transformation Governance • Shareholders • Board • Executive Management S P • Regulators C P Strategy Customer People Processes & Systems • ARRP • Product house • Performance, reward & • Expansive branch, Agency & ATM netwo
Slide 23: 2030 Strategy Framework
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE 2030 Strategy Framework 23
Slide 24: Performance against ARRP targets
Equity Group Holdings Plc Investor Briefing Q1 2026 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% 52% 41% 17.0% 9.0% 10.5% 5.6% Q1 2026 FY 2026 Target Q1 2026 F
Slide 25: Banking Group
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Banking Group25
Slide 26: Banking Group Balance Sheet Optimization and Efficiency
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Banking Group Balance Sheet Optimization and Efficiency Net Interest Margins Return on Average Assets Return on Average Equity Q1 2025 Q1 2026 EBKL 7.4% 8.4% 3.4% 4.0% 26.0% 28.9% EBCDC 6.1% 5.9% 2.4% 2.8% 20.0% 19.4% EBUL 9.2% 8.4% 3.4
Slide 27: EBKL Balance Sheet
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBKL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits Asset Base +5% +7% -5% 1,040.6 1,046.7 421.5 409.4 849.2 845.8 993.3 401.7 792.7 Other Assets 78.9 73.8 84.2 76.7 141.4 151.2 Cash & Cash Equiva
Slide 28: EBKL P&L
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBKL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +14% Yield on Earning Assets +20% 27.2 12.2% 12.0% 11.5% 23.9 11.9 8.4 7.6 (31%) 9.9 Non-Funded Income (32%) Q1 2025 FY 2025 Q1 2026 18.8 16.3 (69%) Cost of
Slide 29: EBCDC Balance Sheet
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBCDC Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits Asset Base +30% +22% +26% 317.5 308.7 577.3 760.6 537.2 708.3 42.2 252.1 459.8 583.5 40.5 Other Assets 37.4 296.4 337.7 254.1 (42%) (44%) Cash
Slide 30: EBCDC P&L
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBCDC P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +27% Yield on Earning Assets 18.0 8.1% 8.6% +53% 7.6% 14.2 7.2 9.9 (55%) 7.2 Non-Funded Income (51%) 4.7 Q1 2025 FY 2025 Q1 2026 Cost of Funds 2.0% 7.0 8.1
Slide 31: EBUL Balance Sheet
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBUL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits Asset Base +16% +5% +6% 127.3 131.1 49.3 49.6 101.4 113.3 8.8 9.8 47.2 96.2 90.8 9.8 (7%) (7%) Other Assets 26.8 (9%) 27.8 Cash & Cash Equivalen
Slide 32: EBUL P&L
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBUL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax -3% 3.6 Yield on Earning Assets 3.5 14.0% 14.4% 13.8% 1.7 1.4 -8% Non-Funded Income (47%) (40%) 1.2 1.1 Q1 2025 FY 2025 Q1 2026 1.9 2.1 Net Interest Income (
Slide 33: EBRL Balance Sheet
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBRL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits Asset Base +3% +19% -3% 126.2 130.5 129.4 65.3 92.3 93.2 63.6 89.6 Other Assets 4.0 3.5 4.0 55.0 35.3 30.4 Cash & Cash Equivalents 39.4 28.1 29.
Slide 34: EBRL P&L
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBRL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +29% Yield on Earning Assets 3.6 10.3% 10.2% 10.2% 2.8 1.2 (33%) +31% 1.0 Non-Funded Income (36%) 2.1 2.4 Q1 2025 FY 2025 Q1 2026 1.6 1.8 (67%) Net Interest
Slide 35: EBTL Balance Sheet
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBTL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits Asset Base +52% +68% +31% 81.4 75.4 47.4 55.4 4.7 52.7 4.4 (6%) 41.9 (6%) 13.5 42.3 53.6 14.2 15.8 Other Assets 4.4 14.9 28.2 (19%) (8%) 10.4 (2
Slide 36: EBTL P&L
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBTL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +81% Yield on Earning Assets 2.9 13.8% 13.3% +150% 12.0% 1.5 1.9 1.6 (66%) 0.8 Q1 2025 FY 2025 Q1 2026 Non-Funded Income (50%) Cost of Funds 1.0 5.5% 5.6% 0.
Slide 37: EBSSL Balance Sheet & P&L
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EBSSL Balance Sheet & P&L (Figures in Kes Billions) Balance Sheet Customer Loans Revenue* +20% Asset Base 24.7 -55% 24.1 2.7 1.1 20.6 3.0 Other Assets 1.4 -11% 0.9 0.8 0.8 1.0 0.5 20.3 21.2 Non-Funded Income (100%) 18.3 Cash & Cash Equi
Slide 38: Overall Banking Group Performance
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Overall Banking 38 Group Performance
Slide 39: Regional Diversification of Banking Business
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Regional Diversification of Banking Business Contribution of banking subsidiaries (Figures in Kes Billions) Other Subs Other Subs Regional Banking Q1 2026 EBTL EBRL EBUL EBSS Equity BCDC EBKL Contribution Contribution Subs Total Group T
Slide 40: EGHL Balance Sheet
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EGHL Balance Sheet (Figures in Kes Billions) Group Balance Sheet Customer Loans Customer Deposits Asset Base +16% 2,036.5 +9% +13% 1,971.0 121.3 125.1 1,749.2 882.5 873.5 1,443.5 1,480.2 Other Assets 125.5 389.4 422.8 804.7 1,314.2 Cash
Slide 41: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Asset Quality, Distribution and Risk Mitigation NPL Ratio by Segment Group NPL Ratio 26.7% Q1 2025 FY 2025 Q1 2026 14.0% 13.7% 12.1% 10.5% 10.6% 14.1% 13.9% 13.6% 13.2% 12.9% 7.0% 6.6% 5.8% 2.5% 2.2% 2.3% Q1 2025 Q2 2025 Q3 2025 FY 2025
Slide 42: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Asset Quality, Distribution and Risk Mitigation Prudent approach to credit risk management (Figures in Kes Billions) IFRS Coverage and Provisions Gross Loans Staging 114.7 43.2 Provisions & Coverage (%) (43%) Credit risk guarantees * St
Slide 43: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Asset Quality, Distribution and Risk Mitigation Yield on Loans Yield on Government Securities Yield on Interest Earning Assets 13.7% 13.4% 13.1% 13.0% 12.3% 11.7% 11.6% 11.6% 12.4% 11.9% 12.0% 11.8% 10.8% 12.5% 12.6% 12.7% 11.6% 11.6% 1
Slide 44: Insurance Group
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE 44 Insurance Group
Slide 45: Equity Insurance Group: The Opportunity
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Insurance Group: The Opportunity Opportunity in Africa & the Equity Strategic Intent East Africa Market & Industry Statistics (2025) 136.5 79.1 66.0 87.3 16.0 15.0% 9.6% 17.0% 33.8% 15.3% Low Low Low Low Low 64 62 69 67 68 22.0Mn
Slide 46: Equity Insurance Group: Strategic Market Alignment
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Insurance Group: Strategic Market Alignment 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 47: Market Positioning | Strong Start
Equity Group Holdings Plc Investor Briefing Market Positioning | Strong Start Q1 2026 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. +1
Slide 48: Equity Insurance Group
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Insurance Group (Figures in Kes Millions) Gross Written Premiums Insurance Revenue Insurance Service Result & Net Investment Income Profit Before Tax Insurance Service Result Net Investment Income +30% +59% +53% Risk DA +42% 4,45
Slide 49: Equity Life Assurance Kenya (ELAK)
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Life Assurance Kenya (ELAK) (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 +28% +38% +2
Slide 50: Equity Life Assurance Kenya (ELAK)
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Life Assurance Kenya (ELAK) Performance & Growth | Demonstrated Distribution Capability Cumulative No. of Policies Issued to date (in Mn) Cumulative No. of Unique Customers (in Mn) +11% +3% 21.3 +63% +21% 19.2 6.9 7.1 5.9 14.1 5.
Slide 51: Equity General Insurance Kenya (EGIK)
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity General Insurance Kenya (EGIK) (Figures in Kes Millions) Gross Written Premiums Insurance Revenue Insurance Service Result & Net Investment Profit Before Tax Income +417% Medical ISR +394% Medical +929% 1,160 General 234 243 NII
Slide 52: Equity Health Insurance Kenya (EHIK)
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Health Insurance Kenya (EHIK) (Figures in Kes Millions) Gross Written Premiums Insurance Revenue Insurance Service Result & Net Investment Income Profit Before Tax Insurance Service Result Net Investment Income 42 1,205 7 17 (17%
Slide 53: Technology Group
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Technology Group53
Slide 54: Technology Group Capabilities
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Technology Group Capabilities Creating a System of Advantage that integrates modern technology, data intelligence, and AI to create a sustainable competitive moat. Coordinated, Agile and Extensive Tech Group Capabilities Equity Group Eq
Slide 55: From Investment to Business Impact
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE From Investment to Business Impact Technology Operational Customer Financial Investments Capabilities Outcomes Outcomes • Microservices • Hyper- • Faster product • Lower cost-to- architecture personalised development serve • Hybrid clou
Slide 56: Strengthening One Equity Position
Equity Group Holdings Plc Investor Briefing Q1 2026 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 57: The Technology Group enabling the banking business
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE The Technology Group enabling the banking business Migrating from fixed and variable cost channels to self-service channels. 98.3% of our transactions are outside the branch with 89.5% being via digital channels. 90 89 YOUR HEADLINE 88.
Slide 58: The Technology Group enabling the banking business
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE The Technology Group enabling the banking business Migrating from fixed and variable cost channels to self-service channels Self-service channels Variable cost channels Fixed cost channels Transaction numbers in millions +11% +6% 107.2
Slide 59: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE The Technology Group Enabling the Banking Business Technology Enabled Lending Group Disbursements Value in Kes Bn Group Disbursements Count in Millions Group Average Ticket Size in Kes ‘000’ +2% +10% 43.4 44.2 1.5 -7% 1.3 32.4 30.1 Q1 2
Slide 60: Equity Investment Bank
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE 60 Equity Investment Bank
Slide 61: Market Opportunity and Strategic Alignment
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Market Opportunity and Strategic Alignment 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 62: EIB Performance Highlights Q1 2026
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE EIB Performance Highlights Q1 2026 Client Base Assets Under Management Total Income Profit Before Tax (Kes Bn) (Kes Mn) (Kes Mn) +16% +30% +28% 5,505 30 175 -34% 88 4,747 23 137 58 Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025
Slide 63: Contribution of Non-Banking Business
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Contribution of Non-Banking Business63
Slide 64: Business Diversification
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Business Diversification (Figures in Kes Billions) Banking Non-Banking Non-Banking Insurance Non-Banking Group (After Q1 2026 EBIL EIB Finserve Business Contribution Contribution Group Total Elimination) Total Q1 2026 Q1 2025 Assets 1.7
Slide 65: Equity Group Foundation
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Group Foundation65
Slide 66: Impact Investment and Sustainability
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Impact Investment and Sustainability Impact & Social Investment Programs Wings To Fly & Elimu % of Social investment Program 46% Energy and Equity Leaders Environment Program 3% 35% USD 798 Million in Social Investment Programs Enterpri
Slide 67: Impact Investment and Sustainability
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Impact Investment and Sustainability Impact & Social Investment Programs 545,441 35,353 1,206 • 10,505 Paid Internships Farmers and MSMAEs trained 4,039 5.96M 45.5 million 2,493,261 USD 1.32B 560,078 1,016,134 154 USD 798M USD 3.402B 4,
Slide 68: Global University Admissions
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Global University Admissions 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 69: Sustainability
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Sustainability People Risk Management Sustainability Advocacy Employee Staff Learning • Moderate Risk Rating for the • The Group continues to champion the case Retention Rate Hours Group’s Environmental and Social for Africa’s climate &
Slide 70: Strategic Partnerships Validating the Business Model
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Strategic Partnerships Validating the Business Model Banking Partners EGF Funding Partners EGF Implementing Partners Risk Share Partners 70
Slide 71: Overall Group Performance
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Overall Group Performance71
Slide 72: Balance Sheet
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Balance Sheet (Figures in Kes Billions) Q1 2026 YoY Growth Q1 2025 Q1 2026 YoY Growth Constant Currency Constant Currency Assets Cash & Cash Equivalents 270.7 422.8 56% 421.8 56% Government Securities 548.3 615.1 12% 615.4 12% Net Loans
Slide 73: Income Statement
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Income Statement (Figures in Kes Billions) Q1 2026 YoY Growth Q1 2025 Q1 2026 Growth Constant Currency Constant Currency Interest Income 41.9 43.8 5% 43.9 5% Interest Expense 13.3 10.8 -19% 10.8 -19% Net Interest Income 28.6 33.0 15% 33
Slide 74: Group Performance Highlights Q1 2026
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Group Performance Highlights Q1 2026 Customer Deposits (Kes) Total Income (Kes) Efficiency Ratios 1.48Tn 55.3Bn 13% NIM 8.0% 0% 15% CIR 50.6% 3.6% Net Loans (Kes) Profit Before Tax (Kes) 873.5Bn 24.5Bn 9% 31% Profitability Ratios Total
Slide 75: Group Efficiency and Returns Trend
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Group Efficiency and Returns Trend Profit Before Tax (Kes Bn) Return on Average Assets NPL NPL Ratio NPL Absol (Kes Bn) 26.5 4.1% 4.2% 24.1 24.5 3.9% 3.9% 124.7 124.0 22.9 3.5% 114.2 18.6 99.6 99.8 14.0% 13.7% 12.1% 10.5% 10.6% Q1 2025
Slide 76: Success reflected by reduction in time to transition into high returning subsidiaries
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Success reflected by reduction in time period to transition into high returning subsidiaries Years to achieve return (ROA above 4%) YOUR HE A DL INE 8.0% Rwanda 2011, Year 12 Kenya 1991, Year 16 7.0% WIL L S IT H E R E 6.0% 5.0% 4.0% 3.
Slide 77: Financial Ratios
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Financial Ratios EBKL EBCDC GROUP Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025 Q1 2026 Profitability Yield on Loans 13.7% 13.9% 9.9% 9.5% 12.5% 12.2% Yield on Government Securities 11.4% 10.0% 11.2% 10.4% 11.6% 10.4% Yield on Interest Earnin
Slide 78: Equity Group Financials in USD Millions
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Equity Group Financials in USD Millions Net Loans Total Deposits Revenue +8% +12% +19% 6,719 11,386 428 6,226 10,168 358 Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025 Q1 2026 Total Assets Shareholders’ Funds Profit Before Tax +16% +29% +36% 1
Slide 79: 2026 Guidance vs. Actual - Group
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE 2026 Guidance vs. Actual - Group 2026 Guidance Q1 2026 Actual Loan Growth 8% - 12.5% 8.6% Deposit Growth 8% - 10% 12.8% Net Interest Margin 8.3% - 9.0% 8.0% Non-Funded Income Mix 40% - 45% 40.3% Cost to Income Ratio 46% - 49% 50.6% Retu
Slide 80: Industry Positioning by Market Cap, Assets and Profitability
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Industry Positioning by Market Cap, Assets and Profitability (Figures in Kes Billions) Market Capitalization as at 31st March 2026 Mkt Cap as at 31st Mar 2026 Total Assets (FY 2025) PAT (FY 2025) 2,147.2 1,971.0 827.4 716.0 668.9 659.1
Slide 81: Appendices – Awards and Accolades
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Appendices – Awards and Accolades81
Slide 82: Global Ratings and Accolades
Global Ratings and Accolades Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE • Strongest African Banking Brand (2026) • Most valuable brand in East and Central Africa (2024 & 2026) • Most valuable brand in Kenya (2024, 2025 & 2026) • 2nd strongest banking brand in the world (2024) •
Slide 83: Global Ratings and Accolades (continued)
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) Q1 2026 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 84: Equity Group Recognized as a Superbrand in East Africa
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) Q1 2026 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 85: Freedom of the City of London; UNHCR Visionary Award
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) Q1 2026 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 86: 2026 National Banking Awards and Accolades
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE 2026 National Banking Awards and Accolades INDIVIDUAL CEO of the Year – Dr. James Mwangi (6 Years Running) 1. Best Bank in Sustainable Corporate Social Responsibility – Winner (8 years running) 2. Best Bank in Tier 1 – 1st Runners Up (W
Slide 87: 2025 National Insurance Awards and Accolades
INSURANCE Equity Group Holdings Plc Investor Briefing AWARDS Q1 2026 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 88: Equity continues to lead in MSME lending in Q1 2026
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Industry Recognition: Equity continues to lead in MSME lending in Q1 2026 Equity Bank disbursed 36% of the Kes 100.9Bn in MSME loans disbursed between January and March 2026 Others Sidian 8.0 (8%) 4.3 I&M (4%) 5.7 (6%) 36.5 Equity (36%)
Slide 89: Industry Ranking By Brand Finance
Equity Group Holdings Plc Investor Briefing Industry Ranking By Brand Finance Q1 2026 PERFORMANCE 89
Slide 90: Advancing Digital Transformation for Africa's Next Economic Era
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Advancing Digital Transformation for Africa’s Next Economic Era At the Inclusive FinTech Forum 2026 in Kigali, Equity Group Managing Director and CEO, Dr. James Mwangi, joined global leaders in a high-level panel on digital transformati
Slide 91: Purpose-Driven Leadership for Africa's Future
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Purpose-Driven Leadership for Africa’s Future At the Rotary District 9214 Conference and Assembly 2026 in Uganda, Equity Group Managing Director and CEO, Dr. James Mwangi, called for bold leadership to shape Africa’s future at a definin
Slide 92: Macroeconomic Environment Indicator and Trends
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Macroeconomic Environment 92 Indicator and Trends
Slide 93: Kenya Country Economic Update
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Kenya Country Economic Update Resilience amidst uncertainty • Economic growth: Estimated to have expanded by 5% in 2025, 2026 projection by CBK bullish at 5.3%, IMF revised downwards to 4.5% from 4.9% earlier. CBR vs Inflation • Inflati
Slide 94: DRC Country Economic Update
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE DRC Country Economic Update Resilience Amid Uncertainty • Resilient growth: The economic outlook remains solid, with GDP projected at 5.9% by the IMF and 6.2% by the Government in 2026. This is supported by the extractive sector on the
Slide 95: Uganda Country Economic Update
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Uganda Country Economic Update Resilient Growth Amid Global Uncertainty • Economic growth: Rose to 8.5% YoY in Q4 2025 from 5.4% in Q4 2024, projected to moderate to 6.5 Quarterly GDP Growth –7.0% in 2026 and potentially exceed 8.0% in
Slide 96: Rwanda Country Economic Update
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Rwanda Country Economic Update Fast Growth Amid Global Uncertainty • Robust Growth: Rwanda’s economy expanded by 11.2% YoY in Q4 2025, easing slightly from 11.8% in Q3 but sustaining strong momentum into year-end. Growth remains broad-b
Slide 97: Tanzania Country Economic Update
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Tanzania Country Economic Update Resilient Growth Amid Emerging Pressures • Economic growth: 6.2% (Mainland Tanzania) and 6.7% (Zanzibar) in Q1 2026, projected to slow down to 6.1% and 6.6% in Q2. • Inflation: Contained, averaging 3.3%
Slide 98: South Sudan Country Economic Update
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE South Sudan Country Economic Update It’s all about oil exports • Uncertainty on GDP Growth: The IMF (April 2026) estimates GDP growth was +46% in 2025, the World Bank (Jan 2026) estimates it was –24% (presumably for the fiscal year endi
Slide 99: Glossary
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Glossary # 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 100: Disclaimer
Equity Group Holdings Plc Investor Briefing Q1 2026 PERFORMANCE Disclaimer This document and the information therein has been prepared by Equity Group Holdings Plc (the “Group”) for information- al purposes only and does not constitute an offer or solicitation to buy, sell, or subscribe to any secur
Slide 101: Scan QR code to download reports
Equity Group Holdings Plc Investor Briefing Q1 2026 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 102: Equity Centre - EquityBCDC Le Siège Social, Kinshasa
Equity Centre - EquityBCDC Le Siège Social, Kinshasa
Slide 103: Equity Centre, 9th Floor, UpperHill
Equity Centre P.O. Box 75104–00200, Nairobi. Tel: 0763063000, Fax: + 254-020-2737276, info@equitygroupholdings.com, www.equitygroupholdings.com Equity Centre, 9th Floor, @keEquityBank UpperHill keEquityBank P.O.Box 75104, Nairobi, Tel: 0763 000 000 www.ke.equitybankgroup.com info@equitygroupholdings
Equity Group Holdings — Q1 2026 Earnings Presentation on 6ix