Equity Group Holdings Limited · NSEKE:EQTY
Equity — Q3 2022 Earnings Presentation
96 slides from Equity's earnings presentation, Nov 22, 2022
Slide 1: Investor Briefing Q3 2022 Performance
INVESTOR BRIEFING Q3 2022 PERFORMANCE
Slide 2: Equity Group Holdings Plc Investor Briefing
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE 2
Slide 3: Equity Group's Philosophies
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Equity Group’s Philosophies Our Purpose: Our Mission: Transforming lives, giving dignity and expanding We offer integrated financial services that socially and opportunities for wealth creation economically empower consumers, businesses
Slide 4: Governance and Organizational Structure
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Governance and Organizational Structure 4
Slide 5: Governance and Organizational Structure
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Governance Governance and Organizational and Organizational Structure Structure CBK CMA SHAREHOLDERS NSE RATING AGENCY YOUR HEADLINE EQUITY GROUP HOLDING PLC Subsidiary Group Board Subsidiary Boards Boards Board Structured Board Committ
Slide 6: Breadth and Depth of the Management Team
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Governance and Organizational Structure Breadth and Depth of the Management Team EGH Strategy Alignment of strategy and execution reflected by close interaction between the CEO’s office and Corporate Office Breadth and diversification r
Slide 7: Group Executive Management
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Group Executive Management Dr.James Mwangi,CBS Mary Wamae Sam Gitwekere Lydia Ndirangu Group Managing Director & Group Executive Director Group Director, Group Company Secretary Chief Executive Officer Enterprise Risk Brent Malahay Eliz
Slide 8: Group Executive Management
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Group Executive Management Gerald Warui Emmanuel Deh Samuel Kirubi Anthony Kituuka Managing Director, Executive Director, Managing Director, Executive Director, Equity Bank Kenya Equity Bank Kenya Equity Bank Uganda Equity Bank Uganda V
Slide 9: Group Board of Directors
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Group Board of Directors Prof. Isaac Macharia Dr. James Mwangi Non-Executive Chairman Group Managing Director and Chief Executive Officer Mary Wamae Dr. Edward Odundo Evelyn Rutagwenda Vijay Gidoomal Group Executive Director Non-Executi
Slide 10: Press Release
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Press Release 10
Slide 11: Press Release
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Press Release EQUITY GROUP REPORTS STRONG 3RD QUARTER 2022 PERFORMANCE KSHS.34.4 BILLION, PAT AND KSHS.1.364 TRILLION ASSETS • 28% Profit After tax growth • 31% growth in non-funded income • 27% growth in Earnings per Share • 15% growth
Slide 12: Press Release (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Press Release (continued) Pursuit of business and geographical regional diversification saw subsidiaries enhance their significance contributing 44% of group deposits, 37% of group loans, 42% of group assets, 43% of group revenues and 3
Slide 13: Press Release (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Press Release (continued) The COVID-19 environment management strategies have positioned the Group to steadily steer through volatile and uncertain economic and financial environment characterized by supply shocks, broken supply chains,
Slide 14: Macroeconomic and Operating Environment
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Macroeconomic and Operating Environment 14
Slide 15: Economic Recovery Outlook
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Economic Recovery Outlook Stagflation risk rising amid sharp economic slowdown Economic Outlook Stagflation International Monetary Fund(IMF) risk economic - Global rising amid sharpiseconomic activity slowdown experiencing a broad-based
Slide 16: Economic Recovery Outlook (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Economic Outlook Cont… Economic Recovery Outlook (continued) Stagflation risk rising amid sharp economic slowdown Stagflation risk rising amid sharp economic slowdown Global Economies experiencing unprecedented inflation rates Global ec
Slide 17: Economic Recovery Outlook (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Economic Recovery Outlook (continued) Tight monetary policy by the US government putting pressure on regional currencies 17
Slide 18: Economic Recovery Outlook (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Economic Recovery Outlook (continued) GDP growth projected to slow down as inflationary pressure persists 18
Slide 19: Overview of the Africa Recovery and Resilience Plan
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Overview of the “Africa Recovery and Resilience Plan” The Plan 6 Pillars of the Plan Objectives of the Plan The Africa Recovery and Resilience The Plan comprises 6 strategic pillars that ensure a The first phase (end-2025) objectives of
Slide 20: 2025 Strategy Framework
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Framework and objectives 2025 Strategy Framework Equity Group’s 2025 strategy is a multi-pronged and holistic solution to achieve social and economic transformation of Africa. The strategy comprises 6 strategic pillars that will be oper
Slide 21: Equity Bank Business Model and Strategy
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Equity Bank Business Model and Strategy 21
Slide 22: Equity Bank Business Model & Strategy Focus
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Equity Bank Equity Bank Business Business Model Model &Focus & Strategy Strategy Focus Inclusive, High volume, Low Margin, Digital and Experiential, Agile and Quality-Driven Inclusive, High volume, Low Margin, Digital and Model Business
Slide 23: Focus Area 1: Non-Funded Income Growth
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 1: Non-Funded Income Growth Focus Area 1: Non-Funded Income Growth Kes Billion Gross Loan Interest Gross Interest Income Non-Funded Income Contribution to Total Income Income Growth Trend YOUR HEADLINE Growth Trend Growth Tre
Slide 24: Trade Finance Performance
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus AreaIncome Focus Area 1: Non-Funded 1: Non-Funded Income Trade Finance Performance Trade Finance Performance Kes Billion Gross trade finance revenue Trade finance related lending Trade finance guarantees & YOUR HEADLINE off-balanc
Slide 25: Focus Area 1: NFI Contribution
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 1: NFI Contribution Focus Area 1: NFI Contribution Equity Group still more diversified than the sector’s average as at H1 2022. Equity’s focus on NFI has led to superior returns compared to the market with higher income and p
Slide 26: Focus Area 2: Treasury Efficiency
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 2: Treasury Efficiency Focus Area 2: Treasury Efficiency Kes Billion Government Treasury Gross Income Treasury Income Mix Yield on Government Securities & Securities Portfolio YOUR HEADLINE Contribution Capital Gains Governme
Slide 27: Focus Area 3: Subsidiaries Performance and Contribution
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 3: Subsidiaries Performance and Contribution 27
Slide 28: Banking Subsidiaries Performance Trend
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 3: Geographical Expansion and Business Diversification Focus Area 3: Geographical Performance Expansion Trend - Banking andValue Subsidiaries: Business Diversification creation and growth Performance Trend - Banking Subsidiar
Slide 29: Regional Subsidiaries Are High-Growth Assets
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 3: Geographical Expansion and Business Diversification Focus Area 3: Geographical Expansion and Business Diversification Regional subsidiaries Regional subsidiaries are high-growth are high-growth assets, with UGassets, with
Slide 30: Subsidiaries Achieving High Returns in Shorter Periods
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus 3: Focus Area Area 3: Geographical Geographical Expansion and Expansion andBusiness Business Diversification Diversification Subsidiaries achieving high returns in shorter periods Subsidiaries achieving high returns in shorter per
Slide 31: Geographical Expansion and Business Diversification
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE FocusFocus Area 3:Area 3: Geographical Geographical Expansion Expansion and and Business Diversification Business Diversification YOUR HEADLINE W I L L SIT H E R E • Present in 6 countries and a commercial representative office in Ethio
Slide 32: Productivity Gains from Improving Access to Credit and Infrastructure
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE FocusFocus Area Area 3: Geographical 3: GeographicalExpansion andBusiness Expansion and Business Diversification Diversification Productivity gains coming Productivity gainsfrom improving coming accessaccess from improving to credit and
Slide 33: Regional Trade and Growing Connectivity to Global Trade
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus FocusArea 3: Geographical Area Expansion 3: Geographical and Business Expansion and Business Diversification Diversification Regional trade and growing connectivity to global trade underpinned by expanding trade corridors Regional
Slide 34: Regional Presence to Drive Cross-Border Trade
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 3:Area Focus 3: Geographical Geographical Expansion and Business Diversification Expansion and Business Diversification Equity Group regional presence to drive cross-border trade and support informal traders Equity Group regi
Slide 35: DRC Significant Resource Endowment
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 3: Geographical Expansion and Business Diversification DRC significant resource endowment 35
Slide 36: Landmark Oil Pipeline Deal Signed by Uganda and Tanzania
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Focus Area Area 3: 3: Geographical Geographical Expansionand Expansion and Business Business Diversification Diversification Landmark Oil Pipeline deal signed by Uganda and Tanzania Landmark Oil Pipeline deal signed by Uganda and
Slide 37: Promising Tanzania Operating Environment
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Focus Area Area 3: Geographical 3: Geographical Expansion Expansion and and Business Business Diversification Diversification Promising Tanzania Operating Environment Promising Tanzania Operating Environment • On 20th May 2021 Tan
Slide 38: Branches, Agents, POS and ATM Network
Equity Group Holdings Plc Investor Briefing Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE FY 2021 PERFORMANCE Focus Area 3: Geographical and Business Diversification Focus Area 3: Geographical and Business Diversification BRANCHES BRANCHES 337 353 CAPITAL CITY 133132 CAPITAL CITY B
Slide 39: Focus Area 4: Balance Sheet Efficiency, Optimization and Agility
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus AreaFocus AreaSheet 4: Balance 4: Balance Sheet Efficiency, Efficiency, Optimization Optimization and Agility and Agility Kes Billion Funding Structure and Leverage Asset Mix Group Group YOUR HEADLINE +15% YoYYoY Growth Growth +15
Slide 40: Digital Business: Transaction Numbers
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus FocusArea Area 5: Business BusinessTransformation Transformation - Innovation - Innovation and Digitization and Digitization Digital Digital business: business:Enabling Enablingtransition transitionfrom fixed from cost fixed to to
Slide 41: Digital Business: Transaction Values
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area Focus 5: Business Area Transformation 5: Business - Innovation Transformation and - Innovation and Digitization Digitization Digital Digitalbusiness: business:Enabling Enablingtransition from transition fixed from costcost fi
Slide 42: Digital Business: Transaction Numbers by Channel
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus5: Focus Area Area 5: Business Business Transformation Transformation - Innovationand - Innovation andDigitization Digitization Digitalbusiness: Digital business:Enabling Enablingtransition transitionfrom from fixed fixed cost cost
Slide 43: Migrating to Self-Service Channels
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5: Business Transformation - Innovation and Digitization Migrating from fixed and variable cost channels to self-service channels Equity PWE Mobile App 43
Slide 44: 99% of Transactions Outside the Branch
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus FocusArea Area 5: BusinessTransformation 5: Business Transformation - Fintech - Fintech Capabilities: Capabilities: Digital Digital Business Business 99% of our transactions outside the branch 99% of our Transactions outside the b
Slide 45: Self-Service Channels: Transaction Value
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5: Business Transformation - Fintech Capabilities: Focus Area 5: Business Transformation - Fintech Capabilities: Self-Service Channels Self-Service Channels 73%the 73% of our Transactions Value outside of our transactions val
Slide 46: Data Strategy, Decision Science and Analytics
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5: Business Transformation - Fintech Capabilities: Data Strategy, Decision Science and Analytics 83% of our Loan Transactions via Mobile Channel 46
Slide 47: Payments Processing Capabilities
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5: Business Transformation - Fintech Capabilities: Focus Area 5: Business Transformation - Fintech Capabilities: Lifestyle Support Lifestyle Support Payments Processing Capabilities Payments Processing Capabilities Quarterly
Slide 48: Promoting a Cashless Economy
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5: Business Transformation - Fintech Capabilities: Focus Area 5: Business Transformation - Fintech Capabilities: Lifestyle Support Lifestyle Support Payments Processing Capabilities Payments Processing – Promoting Capabilitie
Slide 49: Payments Processing by Channel
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5: Business Transformation - Fintech Capabilities: Focus Area 5: Business Transformation - Fintech Capabilities: Lifestyle Support Lifestyle Support Payments Processing Capabilities Payments Processing Capabilities Cards (POS
Slide 50: Remittances Processing
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5:Focus Business Transformation Area 5: - Fintech –Capabilities: Business Transformation Compressing Fintech Time and Geography Capabilities: Compressing Time and Geography Remittances Processing Remittances Processing Kes Bi
Slide 51: FX Trading: Enabling Global Trade
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 5: Business Transformation - Fintech Capabilities: Focus Area 5: Business Transformation - Fintech Capabilities: Global Presence Global Presence FX Trading – Enabling Global Trade FX Trading – Enabling Global Trade Kes Billio
Slide 52: Focus Area 6: Asset Quality, Distribution and Risk Mitigation
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE FocusFocus AreaArea 6: Asset 6: Asset Quality, Quality, Distributionand Distribution and Risk Risk Mitigation Mitigation Risk mitigation via diversification of market segments Risk mitigation via diversification of economic sectors Agri
Slide 53: NPLs: Industry vs EGH Plc
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 6:Focus Asset Area Quality, 6: Distribution andDistribution Asset Quality, Risk Mitigation and Risk Mitigation NPL’s –Industry vs EGH Plc NPL per sector as at Q3 2022 Industry-Kenya Equity Group YOUR HEADLINE * W I L L SI T H
Slide 54: Prudent Approach to Credit Risk Management
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 6: Asset Quality, Distribution and Risk Mitigation Prudent approach to credit risk management 54
Slide 55: Overall Asset Quality Is Improving
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 6: Asset Quality, Distribution and Risk Mitigation Overall asset quality is improving as evidenced by growth in the performing book and reduction in COVID-19 accommodated and NPL portfolios As part of the Group’s commitment t
Slide 56: Proactive Prudent Management
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 6: Asset Quality, Distribution and Risk Mitigation – Proactive Prudent Management COVID-19 accommodated loans Kes 171.4 Bn; Kes 163.7Bn resumed repayment, remaining Kes 7.7Bn expected to resume in 3 Months 56
Slide 57: Focus Area 7: Efficiency and Cost Optimization
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 7: Efficiency and Cost Optimization Focus Area 7: Efficiency and Cost Optimization Kes Billion Staff Cost Trend Other Expenses Trend Cost to Income Ratio Cost to Assets Ratio Y O U R H EGroup ADLINE (Without Loan Loss Provisi
Slide 58: Efficiency and Cost Optimization: EBUL and EBTL
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 7: Efficiency and Cost Optimization Focus Area 7: Efficiency and Cost Optimization Kes Billion Staff Cost Trend Other Expenses Trend Cost to Income Ratio Cost to Assets Ratio EBULY O U R H EEBUL ADLINE (Without Loan Loss Prov
Slide 59: Efficiency and Cost Optimization: EBRL and EquityBCDC
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Focus Area 7: Efficiency AreaOptimization and Cost 7: Efficiency and Cost Optimization Kes Billion Staff Cost Trend Other Expenses Trend Cost to Income Ratio Cost to Assets Ratio EBRLY O U R H EEBRL ADLINE (Without Loan Loss Provi
Slide 60: Net Interest Margin, Yield and Cost of Funds
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 7: Efficiency Focus and Costand Area 7: Efficiency Optimization Cost Optimization Group Y O U R H E A% D L I N E Net Interest Margin Yield on Interest Earning Assets % 7.5 7.2 W I L L SI T H E R E 10.2 10.0 9.5 9.5 9.7 9.8 6.
Slide 61: Focus Area 7: Efficient Financial Intermediation
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Focus Area 7: Efficient Area 7: Financial Efficient Financial Intermediation Intermediation 13.0 12.6% 12.3% 12.4% 12.5 12.2% Equity Group’s 12.0 12.0% 11.6% YOUR HEADLINE 12.0% 11.7% 11.9% 11.8% 11.4% 11.4% 11.3% W I L L SI T H E
Slide 62: Impact & Social Investment Programs
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Focus Area 8: Impact Area 8: Impact Investment Investment Impact & Social Investment Programs Impact & Social Investment Programs USD 585 M in Social Investment Programs YOUR HEADLINE Health Food & Agriculture W I L L SI T H E R E
Slide 63: Shared Prosperity Business Model and Its Social Impact
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Focus Area 8: Impact Investment Focus Area 8: Impact Investment Shared Prosperity Business Model and its Social Impact Shared Prosperity Business Model and its Social Impact 47,009 2.4M 50,000 47,009 45,000 2021 Wings to Fly Graduates 4
Slide 64: Business Validation
Business Validation
Slide 65: Global Ratings and Accolades
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Global Ratings and Accolades 2022 Equity Bank Credit Rating World’d strongest banking brands 2022 • Position 22nd in Africa; African Business Leadership Equity Bank Credit Rating • National Rating: B2 • Position 5 - in the world • Posit
Slide 66: Global Ratings and Accolades
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Global Ratings and Accolades • Africa best bank for • Socially Responsible Bank in Dr. James Mwangi, • Bank of the Year- Kenya 2019 SMEs 2021 Africa, 2020 named to the 3rd Annual • Bank of the Year - Uganda 2019 & 2021 • Excellence in L
Slide 67: 2022 National Banking Awards and Accolades
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE 2022 2022 National Banking National Awards Banking Awards and Accolades and Accolades 1. Best Overall Bank - 11 years running YOUR HEADLINE 2. Best Bank in Tier 1 - 8 years running Brand 3. Best Bank in Sustainable CSR - 6 years running
Slide 68: The Most Valuable and Strongest Banking Brands
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Global Ratings and Accolades The Most Valuable and Strongest Banking Brands Equity Group, East, East and and Central Africa’s Africa’s largest largest financial financialservices servicesGroup, Group,has hasbeen beennamed named the the
Slide 69: Global Ratings and Accolades
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Global Ratings and Accolades Equity Group’s MD and CEO, Dr. James Mwangi, was honoured in the 2019 Bloomberg 50 list. This is an honorary list of fifty innovators, entrepreneurs, and leaders who have impacted the global business landsca
Slide 70: Dr. James Mwangi, 2020 Oslo Business for Peace Award
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Global Ratings and Accolades Dr. James Mwangi honouree, 2020 Oslo Business for Peace Award Honourees are chosen by a prestigious Award committee consisting of past Nobel Prize winners in Peace Economics. “Dr. James Mwangi receives the A
Slide 71: The Africa Recovery & Resilience Plan
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE The Africa Recovery & Resilience Plan Commonwealth Heads of Government Meeting As part of continuous efforts to champion post COVID-19 recovery, Equity Group participated in 3 high-level engagements, where the Group’s Africa Recovery an
Slide 72: The Africa Recovery & Resilience Plan (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE The Africa Recovery & Resilience Plan (continued) Commonwealth Heads of Government Meeting (continued) 1. Boris Johnson, Prime Minister of the United Kingdom (left) engages with Dr. James Mwangi, Equity Group Managing Director & CEO at
Slide 73: AfCFTA Partnership Agreement
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE The Africa Recovery & Resilience Plan (continued) The Africa Continental Free Trade Area (AfCFTA) Partnership Agreement At the margins of the 41st Ordinary Session of the Executive Council of the African Union taking place in Lusaka, Za
Slide 74: East African Community Partnership Agreement
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE The Africa Recovery & Resilience Plan (continued) The East African Community (EAC) Partnership Agreement To further accelerate the implementation of the Africa Recovery and Resilience Plan, the East African Community has signed a partne
Slide 75: Market Validation: Market Capitalization
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Market Validation Market Validation KES Billion Market Capitalization as at 30th September 2022 Market Capitalization as at 30th September 2022 1,333.9 YOUR HEADLINE 1,210.1 W I L L SI T H E R E Mkt Cap as at 30th September 2022 Total A
Slide 76: Intermediation and Financial Performance
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Intermediation and Financial Performance 76
Slide 77: Balance Sheet
Equity Group Holdings Plc Investor Briefing Balance Sheet Q3 2022 PERFORMANCE Balance Sheet KES Billion Q3 2021 Q3 2022 Growth Assets YOUR HEADLINE Cash & Cash Equivalents Government Securities W I L L SI T182.7 H 361.3 E R E 212.2 366.5 16% 1% Net Loans 559.0 673.9 21% Other Assets 81.3 111.1 37% T
Slide 78: Income Statement
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Income Statement Income Statement KES Billion Q3 2021 Q3 2022 Growth Interest Income Interest Expense Y O U R H E67.0 18.5 A D L I N 84.2 E 24.4 26% 31% Net Interest Income W I L L SI48.5T H E R E59.8 23% Non-Funded Income 31.4 41.1 31%
Slide 79: RoAE and RoAA Trend
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE RoAE and RoAA Trend RoAE and RoAA Trend RoAE 32.6% Q3 2021 YOUR HEADLINE 29.7% 24.0% 27.8% Q3 2022 W I L L SI T H E R E EBKL Group RoAA 3.8% 3.7% 3.5% 3.2% Q3 2021 Q3 2022 EBKL Group 79
Slide 80: Financial Ratios
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Financial Ratios 2 80
Slide 81: 2022 Guidance Vs Actual - Group
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE 2022 Guidance Vs Actual - Group 2022 Guidance Vs Actual - Group 2022 Guidance Q3 2022 Actual Loan Growth YOUR HEADLINE 25% - 30% 21% Deposit Growth W I L L SIT H E R E 25% - 30% 15% Net Interest Margin 7.0% - 8.0% 6.9% Non Funded Income
Slide 82: Macroeconomic Environment Indicators & Trends - Kenya
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Macroeconomic Environment Indicators & Trends - Kenya 82
Slide 83: Macroeconomic Environment - Kenya
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE EMacroeconomic VERYDAY EnvironmentMacroeconomic - Kenya Environment - Kenya 15 11.9 9.9 QUARTERLY •§QUARTERLY GDP GROWTH GDP GROWTH – GDPis growth – GDP growth projected O VER 15 MYIL OLUION R HEADLINE 10 5.76.3 6.0 6.3 5.6 5.3 5.1 5.5
Slide 84: Macroeconomic Environment - Kenya (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Macroeconomic Environment Macroeconomic - Kenya-(continued) Environment Kenya continued… 8 • Interbank Rates – The interbank market rates Y O U R H E A D L Imarket N E rates remained stable 7 remained stable through the quarter at an av
Slide 85: Macroeconomic Environment - Kenya (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Macroeconomic Macroeconomic Environment Environment - Kenya (continued) - Kenya continued… 9.5 9.2 YOUR HEA D L–IofWith –N Eremoval 9.0 8.5 •§ Inflation Inflation removal With of subsidies in petrol in of subsidies andPetrol 8.0 reducti
Slide 86: Projected Regional GDP Growth
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Projected Regional GDP Growth Source: International Monetary Fund(IMF). 86
Slide 87: Regional Currencies Depreciation against USD
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Regionalagainst Regional Currencies Depreciation Currencies USD Depreciation against USD YOUR HEADLINE 3,900 3,852.0 USD/UGX 3,800 3,750.0 +2.7% 3,700 W I L L SIT H E R E 3,585.0 3,600 3,550.0 3,545.0 2,321.0 2,332.0 2,332.0 2,310.0 2,3
Slide 88: Regional Outlook
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Regional Outlook Uganda Uganda • The economy started the new year on a strong footing, aided by the removal of pandemic-related restrictions • The economy expected to grow by 6% in the medium-term despite sustained commodity price-drive
Slide 89: Regional Outlook (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Regional Outlook (continued) Rwanda Rwanda • The Russia-Ukraine war brought more uncertainty, posing an upside risk for Rwanda’s inflation, as well as additional • External financing through grants, concessional and non-concessional bor
Slide 90: Regional Outlook (continued)
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Regional Outlook (continued) South Sudan South Sudan • A•two-year The country has realized extension some formAgreement of the Revitalized of rebound on of growth in services the Resolution andConflict of the trade anchored on improving
Slide 91: Case Studies
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Case Studies The Equity business model is a leading case study in many business schools around the world. In addition, many business schools, organizations and institutions regularly visit the Group to learn firsthand about the brand, i
Slide 92: Equity Brand Campaign
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Equity Brand Campaign Today we celebrate over 15 Million Members empowered across 7 African markets to Learn, Grow, Dream, Create, Lead and Harvest. This is our One Equity spirit! Online: Click link below to view video on Equity’s celeb
Slide 93: Scan QR codes to download reports and view video
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Scan QR code below to download the Africa Scan QR code below to download the Equity Group Recovery and Resilience Plan Holdings Plc 2021 Integrated Report and Financial Statements Scan QR code below to view video: Reflections on how the
Slide 94: Notes
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Notes 94
Slide 95: Fireworks display during Equity's 35 years celebration
Equity Group Holdings Plc Investor Briefing Q3 2022 PERFORMANCE Fireworks display during the official celebration of Equity’s 35 years of transforming lives on 2nd October 2019. 95
Slide 96: Equity Centre contact details
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 — Q3 2022 Earnings Presentation on 6ix