Equity Group Holdings Limited · NSEKE:EQTY
Equity — H1 2026 Earnings Presentation
108 slides from Equity's earnings presentation, August 2026
Slide 1: Investor Briefing H1 2026 Performance
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EQUITY GROUP HOLDINGS PLC INVESTOR BRIEFING H1 | 2026 PERFORMANCE 1
Slide 2: Equity Group Holdings Plc Headquarters
Equity Group Holdings Plc Investor Briefing H1 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 H1 2026 PERFORMANCE 1 Equity Group’s Philosophies 4 2 Governance and Organizational Structure 5 3 Press Release 12 12 4 Macroeconomic and Operating Environment 17 16 5 Strategy Overview 21 22 6 Banking Group 26 27 7 Overall Banking Group
Slide 4: Equity Group's Philosophies
Equity Group Holdings Plc Investor Briefing H1 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 H1 2026 PERFORMANCE Governance and Organizational Structure5
Slide 6: Governance & Risk Management Framework
Equity Group Holdings Plc Investor Briefing Governance & Risk Management Framework H1 2026 PERFORMANCE 6
Slide 7: Governance and Organizational Structure
Equity Group Holdings Plc Investor Briefing Governance and Organizational Structure H1 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 H1 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 H1 2026 PERFORMANCE Stephen Owuyo Rene Kalonji Christine Browne Group Finance Director Chief Product Officer Group Director Special Assets Joy DiBenedetto James Muhia Paul Wafula Group Chief Global Affairs, Group Director Human R
Slide 10: Group Executive Management
Group Executive Management Equity Group Holdings Plc Investor Briefing H1 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 H1 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
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE 12 Press Release
Slide 13: Press Release
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Press Release EQUITY GROUP REPORTS STRONG HALF YEAR 2026 RESULTS, UNDERPINNED BY STRONG BALANCE SHEET GROWTH, REGIONAL STRENGTH AND TECHNOLOGY-DRIVEN GROWTH • Equity Group delivered a 32% year-on-year increase in Profit After Tax of KSh
Slide 14: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Press Release (continued...) While releasing the half-year results Dr James Mwangi, Group Managing Director and CEO said, “The Group’s performance is unfolding against a backdrop of resilient regional economic growth. Kenya is projected
Slide 15: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Press Release (continued...) Equity Insurance Group maintained its strong trajectory, with gross written premiums rising 24% to KSh6.4 billion and profit before tax increasing 34% to KSh1.25 billion. The life and general insurance busin
Slide 16: Press Release (continued...)
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Press Release (continued...) EGF’s Innovation and Technology Pillar also scaled its initiative that targets rapidly to train 600,000 youth in AI, machine learning and data analytics through partnerships with iamtheCODE, Huawei ICT Acade
Slide 17: Macroeconomic and Operating Environment
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Macroeconomic and Operating Environment 17
Slide 18: Global and Regional Macroeconomic Developments
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Global and Regional Macroeconomic Developments Renewed oil and rate pressures test the region’s resilient growth as inflation trends diverge across East Africa • The oil price plunge in June partially reversed in July, which once again
Slide 19: East African Sovereign Ratings: Improving, but Turning Cautious
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE East African Sovereign Ratings: Improving, but Turning Cautious Ratings gains through early 2026 give way to a cautious bias as the Hormuz oil shock and regional risks reshape diverging country outlooks • Momentum slowing as external ri
Slide 20: Equity Group Presence and Market Position
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Group Presence and Market Position KE NYA DRC* RWA ND A Equi ty i n to p 2 i n hal f o f the KCB 17.8% RAWBANK 28.9% BANK OF KIGALI 33.8% m arke ts , bas e d o n to tal as s e ts i n 2025 EQUITY CO-OPERATIVE YOUR H ADLINE 9.0% 12
Slide 21: Transforming Lives in Africa: Regional Footprint
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Transforming Lives in Africa: Regional Footprint 2.2M Customer Accounts 250K Customer Accounts 50 Branches 5 Branches 1,449 Employees UGANDA SOUTH 146 Employees 58 ATMs 20 ATMs SUDAN WILL SIT 9,541 Agency Outlets 78 Agency Outlets 50,56
Slide 22: Strategy Overview
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE 22 Strategy Overview
Slide 23: Equity Group Transformation
Equity Group Holdings Plc Investor Briefing H1 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 24: 2030 Strategy Framework
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE 2030 Strategy Framework 24
Slide 25: Performance against ARRP targets
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Performance against ARRP targets Lo an m ix - Fo o d and A griculture Lo an m ix - M anufacturing and lo gis tics Lo an m ix - M SM E 2030 target = 30% 2030 target = 15% 2030 target = 65% 52% 40% 17.0% 9.0% 9.7% 5.4% H1 2026 FY 2026 Tar
Slide 26: Equity continues to lead in MSME lending
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity continues to lead in MSME lending 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%) NCBA 8.3 (8%) 12.3 (12%) Coop 12
Slide 27: Banking Group
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Banking Group27
Slide 28: Banking Group Balance Sheet Optimization and Efficiency
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Banking Group Balance Sheet Optimization and Efficiency Net Interest Margins Return on Average Assets Return on Average Equity H1 2025 H1 2026 EBKL 7.5% 8.6% 3.9% 4.8% 28.1% 34.7% EBCDC 7.1% 5.8% 3.1% 3.1% 23.5% 22.4% EBUL 9.2% 8.2% 3.4
Slide 29: EBKL Balance Sheet
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBKL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits +13% +9% +8% +24% Asset Base +9% +8% 447.3 916.4 1,040.6 1,131.8 414.5 409.4 997.5 741.8 849.2 Other Assets 78.9 75.0 81.5 98.6 141.4 157.2 Cash
Slide 30: EBKL P&L
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBKL P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax +23% Yield on Earning Assets +35% 61.2 11.8% 12.2% 11.6% 49.9 29.4 21.0 17.1 (34%) 21.8 Non-Funded Income (34%) H1 2025 FY 2025 H1 2026 40.2 32.8 (66%) Cost
Slide 31: EBCDC Balance Sheet
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBCDC Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits Asset Base +30% +13% +46% +23% +45% +20% 359.3 317.5 661.9 852.4 537.2 708.3 44.4 275.4 453.7 586.7 40.5 Other Assets 38.4 296.4 378.0 236.5 (4
Slide 32: EBCDC P&L
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBCDC P&L (Figures in Kes Billions) Revenue Efficiency Ratios Profit Before Tax + +30% Yield on Earning Assets 39.6 8.7% 8.6% 7.5% +48% 30.6 16.9 22.5 (57%) 14.7 Non-Funded Income (48%) 11.4 H1 2025 FY 2025 H1 2026 Cost of Funds 1.7% 1.
Slide 33: EBRL Balance Sheet
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBRL Balance Sheet (Figures in Kes Billions) Balan c e Sh e e t Customer Loans Customer Deposits Asset Base +11% +11% -3% -1% +10% -3% 94.7 130.1 130.5 144.4 93.2 63.6 Other Assets 3.9 3.5 4.3 61.6 92.1 56.1 35.3 50.0 Cash & Cash Equiva
Slide 34: EBRL P&L
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBRL P&L (Figures in Kes Billions) Revenue E fficie ncy Rat io s Pro fit Be fo re T ax +20% Yield on Earning Assets 7.2 10.3% 10.2% 6.0 2.4 10.1% (33%) +11% 2.1 Non-Funded Income (35%) 4.0 4.8 H1 2025 FY 2025 H1 2026 3.6 3.9 (67%) Net I
Slide 35: EBUL Balance Sheet
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBUL Balance Sheet (Figures in Kes Billions) Balance Sheet Customer Loans Customer Deposits Asset Base +13% +5% +22% +16% +8% +3% 134.3 57.0 104.2 127.3 49.3 119.1 8.8 10.7 46.9 101.4 9.7 (7%) (8%) 96.8 Other Assets 25.8 (8%) 27.8 Cash
Slide 36: EBUL P&L
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBUL P&L (Figures in Kes Billions) Revenue E fficie ncy R at io s Pro fit Be fo re T ax 0% 7.4 Yield on Earning Assets 7.4 13.9% 14.4% 13.4% 3.4 3.2 +5% Non-Funded Income (46%) (43%) 2.3 2.2 H1 2025 FY 2025 H1 2026 4.0 4.2 Net Interest
Slide 37: EBTL Balance Sheet
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBTL Balance Sheet (Figures in Kes Billions) Balance Sheet Cu s t o me r L o an s Customer Deposits Asset Base +53% +20% +53% +23% +76% +31% 90.4 75.4 55.0 64.9 4.8 52.7 4.4 41.9 15.1 42.5 59.0 14.2 15.5 Other Assets 5.1 14.9 31.3 (17%)
Slide 38: EBTL P&L
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBTL P&L (Figures in Kes Billions) Revenue E fficie n cy R at io s Pro fit Be fo re T ax +64% Yield on Earning Assets 5.4 13.6% 13.3% +100% 11.7% 2.8 3.4 3.3 (63%) 1.8 H1 2025 FY 2025 H1 2026 Non-Funded Income (55%) Cost of Funds 1.4 2.
Slide 39: EBSSL Balance Sheet & P&L
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EBSSL Balance Sheet & P&L (Figures in Kes Billions) Balan c e Sh e e t Cu s t o me r L o an s Revenue* +26% +10% Asset Base 26.5 -26% 24.1 2.3 1.7 21.1 3.0 -11% 0% Other Assets 1.4 0.9 0.8 0.8 1.6 1.3 20.3 23.4 Non-Funded Income (94%) 1
Slide 40: Overall Banking Group Performance
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Overall Banking 40 Group Performance
Slide 41: Regional Diversification of Banking Business
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Regional Diversification of Banking Business Contribution of banking subsidiaries (Figures in Kes Billions) O t h er S u b s O t h er S u b s R eg i on a l B a n kin g H1 H1 2026 E BCDC E B RL EBUL EBTL EBSSL EBKL C o n t ri b u t i o n
Slide 42: EGHL Balance Sheet
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EGHL Balance Sheet (Figures in Kes Billions) Gro u p Balan c e Sh e e t Cu s t o me r L o an s Cus t o me r D e po s it s Asset Base +20% +9% +19% +11% +21% +10% 1,971.0 2,155.5 127.7 981.0 1,798.9 121.3 882.5 1,589.4 1,443.5 Other Asse
Slide 43: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Asset Quality, Distribution and Risk Mitigation NPL Ratio by Segment Group NPL Ratio 24.5% H1 2025 FY 2025 Q1 2026 H1 2026 13.7% 12.1% 10.5% 10.6% 14.2% 14.1% 13.6% 13.2% 12.9% 9.5% 12.8% 10.1% 7.0% 7.0% 6.7% 6.6% 2.5% 2.5% 2.3% 1.4% Co
Slide 44: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Asset Quality, Distribution and Risk Mitigation Prudent approach to credit risk management (Figures in Kes Billions) IF R S Co v e rage an d Pro v is io n s Gross Loans Staging 113.0 43.0 Provisions & Coverage (%) (43%) Credit risk guar
Slide 45: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Asset Quality, Distribution and Risk Mitigation Y i e ld o n Loa n s Y i eld on G overn m en t S ec u ri ti es Y i e l d o n I n t e re st E a rn i n g Asse t s 13.4% 13.1% 13.0% 11.7% 11.6% 11.6% 11.9% 12.0% 11.8% 11.1% 12.0% 10.3% 12.
Slide 46: Insurance Group
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE 46 Insurance Group
Slide 47: Equity Insurance Group: The Opportunity
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Insurance Group: The Opportunity Opportunity in Africa & the Equity Strategic Intent East Africa Market & Industry Statistics (2025) 136.5 92.8 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 48: Equity Insurance Group: Strategic Market Alignment
Equity Group Holdings Plc Investor Briefing H1 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 49: Market Positioning | Strong Start
Equity Group Holdings Plc Investor Briefing Market Positioning | Strong Start H1 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. +2
Slide 50: Equity Insurance Group
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Insurance Group (Figures in Kes Millions) G ross W ri tten Prem i u m s Total Income P ro f i t B e f o re Ta x Risk DA Insurance Revenue Net Investment Income Other income +24% +34% +43% 6,429 1,248 3,568 5,181 110 3,963 2,499 (
Slide 51: Equity Insurance Group
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Insurance Group Performance & Growth | Demonstrated Distribution Capability Life: Cumulative No. of Policies Issued to date (in Mn) Life: Cumulative No. of Unique Customers (in Mn) Life: Distribution Channel (No. of Policies +18%
Slide 52: Equity Life Assurance Kenya (ELAK)
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Life Assurance Kenya (ELAK) (Figures in Kes Millions) G ross W ri tten Prem i u m s Total Income P ro f i t B e f o re Ta x C a pi ta l Ade qu a c y (%) Risk DA Insurance Revenue Net Investment Income Other Income +19% +30% +21%
Slide 53: Equity General Insurance Kenya (EGIK)
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity General Insurance Kenya (EGIK) Performance & Growth | Demonstrated Distribution Capability (Figures in Kes Millions) G ross W ri tten Prem i u m s Total Income P ro f i t B e f o re Ta x C a p i t a l Ade qu a c y (%) Health Gene
Slide 54: Equity Health Insurance Kenya (EHIK)
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Health Insurance Kenya (EHIK) (Figures in Kes Millions) G ross W ri tten Prem i u m s Total Income P ro f i t B e f o re Ta x C a p i ta l Ad e qu a c y (%) Insurance Revenue Net Investment Income 1,237 691 75 79 (11%) 612 (89%)
Slide 55: Technology Group
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Technology Group55
Slide 56: Technology Group Capabilities
Equity Group Holdings Plc Investor Briefing H1 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 57: From Investment to Business Impact
Equity Group Holdings Plc Investor Briefing H1 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 58: Strengthening One Equity Position
Equity Group Holdings Plc Investor Briefing H1 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 59: The Technology Group enabling the banking business
Equity Group Holdings Plc Investor Briefing H1 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 89.7% being via digital channels. % 89.7% 90 89.4% 88.8%
Slide 60: The Technology Group enabling the banking business
Equity Group Holdings Plc Investor Briefing H1 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 +10% +6% 213.6
Slide 61: The Technology Group Enabling the Banking Business
Equity Group Holdings Plc Investor Briefing H1 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% +7% 85.3 86.8 3.0 -5% 2.8 30.8 29.4 H1 20
Slide 62: Equity Investment Bank
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE 62 Equity Investment Bank
Slide 63: Market Opportunity and Strategic Alignment
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Market Opportunity and Strategic Alignment Africa’s central problem statement: 17% of the world’s population (as at 2021) but only 3% of world’s wealth. 1 Y O U R H E 4A D L I N E Severe market development deficit: Africa's capital mark
Slide 64: EIB Performance Highlights H1 2026
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE EIB Performance Highlights H1 2026 Clie n t Bas e A s s e t s Un de r Man age me n t T o t al In co me Pro fit Be fo re T ax ( Kes Bn) ( Kes Mn) ( Kes Mn) +18% +32% +41% 6,129 32.4 344 -6% 120 5,197 113 24.5 244 H1 2025 H1 2026 H1 2025
Slide 65: Contribution of Non-Banking Business
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Contribution of Non-Banking Business65
Slide 66: Business Diversification
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Business Diversification (Figures in Kes Billions) B anking Non-B ank i ng Non-B ank i ng Insurance Non-B ank i ng G r oup ( A ft er H1 2026 Finserve EIB EBIL B usi ness C ont r i b ut i on C ont r i b ut i on Group T ot al E l i mi nat
Slide 67: Equity Group Foundation
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Group Foundation67
Slide 68: Impact Investment and Sustainability
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Impact Investment and Sustainability Impact & Social Investment Programs Wings To Fly & Elimu % of Social investment Program 45% Energy and Equity Leaders Environment Program 3% 35% USD 806 Million in Social Investment Programs Enterpri
Slide 69: Impact Investment and Sustainability
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Impact Investment and Sustainability Impact & Social Investment Programs 2025 602,442 35,353 1,236 10,505 Paid Internships Farmers and MSMAEs trained 4,039 6M 48.7 million 2,495,441 USD 1.4B 587,094 1,027,335 156 USD 806M USD 3.6B 5,333
Slide 70: Global University Admissions
Equity Group Holdings Plc Investor Briefing H1 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 71: Sustainable Finance Partnership Pathways for Scale and Impact
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Sustainable Finance Partnership Pathways for Scale and Impact Funding diversification: Grants, Risk-Sharing mechanism and Concessional Financing • EGH a regional direct access entity 1 July 2026 • Crowd-in additional climate funding • L
Slide 72: Nature and Climate Focus through Strategic Partnerships
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Nature and Climate Focus through Strategic Partnerships Partners mobilize third-party capital into emerging, underserved markets DRC: Climate-First NORAD FINE-Blue & ANCA-Exploring Economy Circular Economy Nature Finance >$23 Trillion N
Slide 73: Strategic Partnerships Validating the Business Model
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Strategic Partnerships Validating the Business Model Banking Partners EGF Funding Partners EGF Implementing Partners Risk Share Partners 73
Slide 74: Overall Group Performance
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE 74 Overall Group Performance
Slide 75: Balance Sheet
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Balance Sheet (Figures in Kes Billions) H1 2026 Constant Currency H1 2025 Q1FY 202025 25 H1 2026 YoY Growth YTD Growth Constant Currency YoY Growth Assets Cash & Cash Equivalents Government Securities 311.2 540.9 389.4 577.8 403.6 643.2
Slide 76: Income Statement
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Income Statement (Figures in Kes Billions) H1 2026 Constant Currency H1 2025 H1 2026 YoY Growth Constant Currency YoY Growth Interest Income 84.3 91.2 8% 91.5 8% Interest Expense Net Interest Income 25.0 59.3 WILL 21.9 69.3 -12% 17% 22.
Slide 77: Group Performance Highlights H1 2026
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Group Performance Highlights H1 2026 Customer Deposits (Kes) Total Income (Kes) Efficiency Ratios 1.59Tn 124.9Bn NIM 8.1% -0.2% 21% 25% CIR 48.6% 3.1% Net Loans (Kes) Profit Before Tax (Kes) Asset Quality Ratios 981.0Bn 57.8Bn NPL 9.5% 4
Slide 78: Group Efficiency and Returns Trend
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Group Efficiency and Returns Trend Profit Before Tax (Kes Bn) Return on Average Assets NPL NPL ratio NPL Absol (Kes Bn) 33.3 4.5% 4.1% 4.2% 124.7 3.9% 3.9% 124.0 26.5 114.2 24.5 3.5% 22.9 24.1 99.6 99.8 99.7 18.6 14.0% 13.7% 12.1% 10.5%
Slide 79: Years to achieve return in high returning subsidiaries
Equity Group Holdings Plc Investor Briefing H1 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 80: Financial Ratios
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Financial Ratios EBKL EBCDC GROUP H1 2025 H1 2026 H1 2025 H1 2026 H1 2025 H1 2026 Profitability Yield on Loans 13.1% 13.9% 10.0% 9.4% 12.3% 12.1% Yield on Government Securities 11.3% 10.6% 13.0% 10.7% 11.6% 10.8% Yield on Interest Earni
Slide 81: Equity Group Financials in USD Millions
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Group Financials in USD Millions Ne t Lo a n s To ta l De po si ts Re ve n u e +19% +21% +25% 7,578 12,278 966 6,386 10,134 775 H1 2025 H1 2026 H1 2025 H1 2026 H1 2025 H1 2026 To t a l Asse t s S h a reh olders’ Fu n ds P ro f i
Slide 82: 2026 Guidance vs. Actual - Group
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE 2026 Guidance vs. Actual - Group 2026 G ui da nce H1 2026 Actual Loan Growth 8% - 12.5% 18.9% Deposit Growth 8% - 10% 21.4% Net Interest Margin 8.3% - 9.0% 8.1% Non-Funded Income Mix 40% - 45% 44.5% Cost to Income Ratio 46% - 49% 48.6%
Slide 83: Industry Positioning by Market Cap, Assets and Profitability
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Industry Positioning by Market Cap, Assets and Profitability (Figures in Kes Billions) Market Capitalization as at 30th June 2026 Mkt Cap as at 30th Jun 2026 Total Assets (Q1 2026) PAT (Q1 2026) 2,254.5 2,036.5 884.6 741.1 742.5 660.9 5
Slide 84: Appendices – Awards and Accolades
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Appendices – 84 Awards and Accolades
Slide 85: Global Ratings and Accolades
Global Ratings and Accolades Equity Group Holdings Plc Investor Briefing H1 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 86: Global Ratings and Accolades (continued)
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) H1 2026 PERFORMANCE EUROMONEY AWARDS 2024 Equity Bank Credity Rating • Best Bank for Sustainable • Position 19 in Africa African Business Leadership Equity Bank Credit Rating • Best Regional Bank East • Visa Top Acq
Slide 87: Equity Group Recognized as a Superbrand in East Africa
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) H1 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 88: Freedom of the City of London; UNHCR Visionary Award
Equity Group Holdings Plc Investor Briefing Global Ratings and Accolades (continued) H1 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 89: 2026 National Banking Awards and Accolades
Equity Group Holdings Plc Investor Briefing H1 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 90: 2026 National Insurance Awards and Accolades
INSURANCE Equity Group Holdings Plc Investor Briefing AWARDS H1 2026 PERFORMANCE 2026 2026 National Insurance Awards and Accolades 1. Risk Management Bancassurance Intermediary - Winner EQUITY BANCASSURANCE 2. Best Bancassurance Intermediary in Life Products - Winner INTERMEDIARY LTD 3. Most Custome
Slide 91: Industry Ranking By Brand Finance
Equity Group Holdings Plc Investor Briefing Industry Ranking By Brand Finance H1 2026 PERFORMANCE 91
Slide 92: Advancing Digital Transformation for Africa's Next Economic Era
Equity Group Holdings Plc Investor Briefing H1 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 93: Purpose-Driven Leadership for Africa's Future
Equity Group Holdings Plc Investor Briefing H1 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 94: Macroeconomic Environment Indicator and Trends
Equity Group Holdings Plc Investor Briefing H Q1 2026 PERFORMANCE Macroeconomic Environment 94 Indicator and Trends94
Slide 95: Kenya Country Economic Update
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Kenya Country Economic Update Risks and uncertainties dominate outlook • Economic growth: Output expanded by 5.3% in Q1 up from 4.9% in Q1 in 2025. 2026 Growth forecast revised downwards from 5.3% to 4.9%. World Bank and IMF also revise
Slide 96: DRC Country Economic Update
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE DRC Country Economic Update Resilient Macroeconomic Performance • Resilient growth: the economy is expected to remain resilient, with real GDP growth projected at 5.6% in 2026, supported by continued strength in construction, services a
Slide 97: Uganda Country Economic Update
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Uganda Country Economic Update Oil-Led Growth Prospects Amid Global Headwinds • Economic growth: Estimated at 6.4% in FY2025/26, with Q1 2026 growth moderating to 5.8% YoY from Growth set to accelerate to double digits on oil 8.4% a yea
Slide 98: Rwanda Country Economic Update
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Rwanda Country Economic Update Resilient Growth Amid Rising Global Risks • Robust Growth: Rwanda’s economy expanded by 10% y/y in Q1 2026, accelerating significantly from 6.5% in Q1 2025 and marking one of the strongest quarterly growth
Slide 99: Tanzania Country Economic Update
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Tanzania Country Economic Update Resilient Growth Amid Emerging Pressures • Economic growth: Mainland Tanzania’s economy expanded by 6.0% in Q1 2026, supported by agriculture, construction, mining and services. Growth is projected to mo
Slide 100: South Sudan Country Economic Update
Equity Group Holdings Plc Investor Briefing H1 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) estimated it was –24% (presumably for the fiscal year endi
Slide 101: Glossary
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Glossary # Acronym # Acronym # Acronym 1 ABSA Absa Group Limited 36 EBUL Equity Bank Uganda Limited 73 PAT Profit After Tax 2 AFDB African Development Bank 37 EGHL/EGH Equity Group Holdings Plc 74 PBT Profit Before Tax 3 AGOA African Gr
Slide 102: Disclaimer
Equity Group Holdings Plc Investor Briefing H1 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 103: Scan QR codes to download reports
Equity Group Holdings Plc Investor Briefing H1 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 104: Notes
Notes Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE For more information please contact: investorrelations@equitygroupholdings.com 104
Slide 105: Notes
Notes Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE For more information please contact: investorrelations@equitygroupholdings.com 105
Slide 106: Notes
Notes Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE For more information please contact: investorrelations@equitygroupholdings.com 106
Slide 107: Equity Centre - EquityBCDC Le Siège Social, Kinshasa
Equity Group Holdings Plc Investor Briefing H1 2026 PERFORMANCE Equity Centre - EquityBCDC Le Siège Social, Kinshasa 107
Slide 108: 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 — H1 2026 Earnings Presentation on 6ix