Equity Bank Group- Corporate Philosophies & Alignment to UNHCR Mission and Vision For Africa

Purpose We exist to transform the lives and livelihoods of our people socially and economically by availing to them modern, inclusive financial services that maximize their opportunities.

Vision To be the champion of the socio-economic prosperity of the people of Africa.

Mission Statement We offer inclusive, customer-focused financial services that socially and economically empower our clients and other stakeholders. Values o Professionalism o Integrity o Creativity & Innovation o Teamwork o Unity of purpose o Respect & Dignity for customers o Effective Corporate Governance

Positioning Statement Your listening, caring partner

Motto Growing together in trust. Equity Bank Group - Current Status, Balance Sheet, Socially Responsible Investors (SRIs) and High Corporate Governance NSE Publicly Listed/ Cross Listed at USE at RSE • 10 million customers – 6 countries • Asset Base ~ USD 4.5 Billion • Loans ~ USD 2.75 Billion • Deposits ~ USD 3 Billion • Market Capitalization ~ USD 1.66 Billion • Profit Before Tax ~ USD 73 Million Ownership Over 30,000 shareholders Strategic Investors • Norfininvest AS • Genesis • Helios EB investors L.P. • NSSF- Uganda • NSSF - • British – American Investments Company (Kenya) Limited • Equity Bank ESOP (Employees) Regional presence Kenya, Rwanda, Tanzania, Uganda, South Sudan & DRC

3 Our Presence in Africa

Equity Bank is one of the largest financial services providers in Africa. Our overarching objective is to grow the member base to over 100 million customers, in 15 countries across the continent.

4 Equity Group Social Sustainability Pillars

5 Equity Supports Sustainable Development Goals

6 Equity Group Foundation- Driving Economic and Through The Foundation That Complements AWF Work Social Brand

1 ▪ Cash transfers ▪ Wings to Fly 7 Education and ▪ Fanikisha Leadership ▪ Equity African Leaders ▪ Fanikisha+ (Tanzania) Financial Develop-ment Programme Inclusion

2 ▪ Transforming 6 smallholder farmers ▪ Forest Agriculture restoration Environment ▪ Scaling up Monitoring and medium size ▪ Energy program evaluation farms

▪ Financial Knowledge Financial Innovation and for Africa training Literacy Entrepreneurs ▪ Entrepreneurship hip training program Programme 5 Health 3 ▪ Equity Afia 4

20 7 Equity Bank Social payments Experience

8 Equity work with Humanitarian Agencies

 Over 70,000 smallholder farmers have access USD 60M  Current programme with 40,000 farmers under input subsidy via e-voucher solution and targeting 100,000 farmers

 Voucher Payments for millers at Maban Refugee Camp – South Sudan  Cash for Asset Project  Purchase for Progress (P4P) project- Smallholder farmers loans  Humanitarian food aid- 100,000 beneficiaries - Paid more than 30M USD  Fresh food vouchers project Daadab  Cashlite pilot project in Northern Kenya

 Sustainable Livelihood Development in the Mau Complex- Targeted 700 farmers provided financial literacy and access to credit.

 Payments of 2.32M USD- 15,000 households with vulnerable children- Northern Kenya

 Developing Fanikisha programme for supporting access to credit to women-

9 Equity Bank South Sudan Cash Transfer/ Cash drop (WFP) March- Nov 2013

Number of Beneficiaries  About 125000 Areas covered by Program  Yida Amount of Cash Transfer  USD 184,615 twice per month for 9 months Total Amount transferred  USD 3,323,070 Model  Agency Model- Through local money transfer agents

Key Recommendation No. 1 – Capitalize  Strong Public Private Partnership- PPP- Equity Bank South Private Sector’s Expertise in Delivering Sudan /MasterCard (WFP) to Scale social payments Payments innovation  Bank accounts & biometric prepaid cards holds digital cash Key Recommendation No. 2 – Where  Agency model and branches are Sustainable Rural Possible Deliver Cash Digitally and in a Financial System Infrastructure supporting local cash Manner that Deepens Financial Inclusion economy  Agency Model- using local money transfer Agents  Security - Card system is EMV - Europay Visa - Compliant Key Recommendation No. 3 – Improve and Equity Autobranch Aid Agencies Data Security, Privacy  Strong KYC- Know your customer- manage AML/ fraud Systems and Compliance with Financial Regulations

10 Hunger Safety Net Program- HSNP Phase I (2009-2013)

 Bio-metric authentication, with a smartcard & photograph. Model  Agency Model across Northern Kenya  Installation of solar equipment to support POS equipment

Partnerships  Strong Public Private Partnership- PPP- Equity Bank / DFID /GoK/ MasterCard to Scale Social Payments Innovation  Bank Accounts & Biometric PrePaid Cards Holds Digital Cash  Agency Model and Branches are Sustainable Rural Financial System Infrastructure Supporting Local Cash Economy Mode of Delivery  Agency Model- Shared Prosperity Growing Local Entrepreneurs  Build ‘’Last Mile’’ for National Payments System

 Security - Card System is EMV- Europay MasterCard and Visa- Compliant  Beneficiary Data Confidentiality per CBK Prudential Regulations Compliance with Regulation  Strong KYC- Know Your Customer- Manage AML/ Fraud

11 Hunger Safety Net Program HSNP Phase I (2009-2013)

Number of Beneficiaries households  68,624 households or 420,000 individuals Areas covered by Program  Turkana, Mandera, Marsabit, Wajir Amount of Cash Transfer  Year 1: 2009 Amount KES 2,150.00  Year 2: 2010 Amount KES 3,000.00  Year 3: 2011 Amount KES 3,500.00  Year 4-5:2012/13 Amount KES 4,600.00

Total HSNP I (including 2 bonus cycles paid to 50,000 exiting beneficiary households)  KES 4.79 Billion Hunger Safety Net Program- HSNP Phase 2 (2014-2017) 100,000 households on regular cash transfer Number of Beneficiaries households 270,000 households on emergency intervention Areas covered by Program Turkana, Mandera, Marsabit, Wajir  Year 1: 2014 Amount KES 4,600.00  Year 2: 2015 Amount KES 4,900.00  Year 3: 2016 Amount KES 5,100.00 Amount of Cash Transfer Per Year  Year 4: 2017 Amount KES 5,400.00

Program Budget KES 15.46 Billion Total Cash Transfer Value Paid to date KES 10 Billion 12 Orphans & Vulnerable Children (CT-OVC) (2012 – 2017)

Number of Beneficiaries 57,246 households or 343,476 individuals households

Areas covered by Program 20% of Kenyan District

Amount of Cash Transfer KES 4,000.00 Total value CT-OVC KES 3.003 Billion Partnerships  Strong Public Private Partnership- PPP- Equity Bank / UNICEF/ World Bank /GoK/ MasterCard to Scale Social Payments Innovation

 Biometric PrePaid Cards Holds Digital Cash  Agency Model and Branches are Sustainable Rural Financial System Mode of Delivery Infrastructure Supporting Local Cash Economy  Agency Model- Shared Prosperity Growing Local Entrepreneurs

 Security - Card System is EMV- Europay MasterCard and Visa- Compliant  Beneficiaty Data Confidentiality per CBK Prudential Regulations Compliance to Regulation  Strong KYC- Know Your Customer- Manage AML/ Fraud

13 KCEP (Kenya Cereal Enhancement Programme) 2015 - 2018

Number of Beneficiaries households 40,000 farmers

Areas covered by Program a) Western Kenya and the Rift Valley: Bungoma, Kakamega, Nakuru, Nandi and Trans Nzoia. b) Eastern Kenya: Embu, Kitui and Tharaka

Key Recommendation No. 6 – Capitalize  Strong Public Private Partnership- PPP- Equity Bank / Private Sector’s Expertise in Delivering IFAD/ EU to Scale Agriculture Subsidy Innovations Payments  Account based cash transfer Key Recommendation No. 7 – Where  Debit card with wallets Possible Deliver Cash Digitally and in a  Agrodealers to issues subsidy including seeds, fertiliser Manner that Deepens Financial  Access to credit for all the 40,000 farmers Inclusion

 Security - Card System is EMV- Europay MasterCard and Key Recommendation No. 8 – Improve Visa- Compliant Aid Agencies Data Security, Privacy  Beneficiaty Data Confidentiality per CBK Prudential Systems and Compliance with Financial Regulations Regulations  Strong KYC- Know Your Customer- Manage AML/ Fraud

14 Equity Bank Rwanda Cash transfer - 2016

Number of Beneficiaries  About 13,496 Areas covered by Program  Gihembe , Nyabiheke and Kigembe Amount of Cash Transfer  RFW 6,300 per household for 9 months Total Amount transferred  RFW 3.6 Million  Bank Accounts & Biometric Debit Cards Holds Digital Cash  Agency Model and Branches are Sustainable Rural Financial Model System Infrastructure Supporting Local Cash Economy  Agency Model- Shared Prosperity Growing Local Entrepreneurs

Key Recommendation No. 1 –  Strong Public Private Partnership- PPP- Equity Bank Rwanda Capitalize Private Sector’s /MasterCard (WFP) to Scale social payments innovation Expertise in Delivering Payments Compliance with Regulation.  Security - Card System is EMV- Europay MasterCard and Visa- Compliant  Beneficiary Data Confidentiality per CBK Prudential Regulations  Strong KYC- Know Your Customer- Manage AML/ Fraud

15 Smart Card : Multi Wallet – Multi Programme

Bio Data

Bank Account

Health Care

Food Ration

Water

Education Seeds/Fertilizer Nutrition

16 Gihembe Camp

Location:

Gihembe refugee camp is located in Byumba town, Kageyo Sector of Gicumbi District in Northern Province, 60 km north from City. This camp was established in December 1997 to host Congolese refugees Eastern DRC. Currently, the camp is built on 40- hectares land with 3,055 households

17 Nyabiheke Camp

Location:

Nyabiheke is located in Gatsibo district in the Eastern Province,Nyabiheke was established in April 2005 when 4,500 Congolese from North Kivu. Another outbreak of fighting in North Kivu in 2007 led to a second wave of 3600 Congolese out of DRC into Nyabiheke.

The population is currently estimated to be 2,790 households.

18 Kigeme Camp

Location: Kigeme refugee camp is located in Nyamagabe district of the southern province, about 150 Km from Kigali. to host refugees. That camp originally hosted some 2,100 Burundian refugees until May 2009 and in June 2012 it was re- opened and expanded in order to host thousands of refugees who fled fierce fighting between FARDC soldiers and the M23 who were temporally received in Nkamira transit center in Rubavu near the borders of Rwanda-Goma. Kigeme camp is extended on two- hills (site A&B) of 34 hectares divided by the main road to Kigali.

19 Equity Bank Social Payments Beneficiaries’ Success Story

20 Cash Transfers helped widow Rosemary Fend for her 10 children.

Rosemary Eligoi, looks much older than her 37 years. Although she has nine children and is now expecting her tenth, this has not dampened her future. She is facing life stoically, thanks to the Hunger Safety Net Program that has given her a glimmer of hope. Rosemary knows first hand the benefits of the HSNP. In 2011, she joined Phase I, exactly two years after its inauguration. She describes those times as tough. Her husband who was the family’s bread winner had passed away. Death of her husband, a respected assistant chief then, plunged the family into a period of difficulty. From being provided for, they faced a life of lacking almost all the basic necessities of life. “ Life for me and my children looked bleak. But with cash transfers from the HSNP, I am grateful that the support helped my children not to drop out of school,” she proudly says. During the challenging period after demise of her husband, she trekked long distances, risking attack and sexual assault from ruthless bandits in search of firewood. “ HSNP is a great initiative. In Phase 1, I received 3,500 shillings every two months for six months,” she says her face beaming with genuine happiness. She says that without the cash transfers, she is convinced she would have died and not be alive today to share her success story.

21 EA HPPP ( - Humanitarian Private Sector Partnership Platform)

Equity Bank as the Chair of the EA HPPP works with OCHA, UNISDR and UNDP in launching the Connecting Business initiative. The aim is to: Establish and strengthen private- sector led networks at the sub-national, national and regional levels for disaster risk reduction, emergency preparedness, response and recovery. And to create a global coordination mechanism to share best practice and connect business networks to one another.

22 Allan M. Waititu, Equity Bank, Director- Special Projects, Email [email protected]

Equity Bank, Equity Centre, Hospital Road, Upper Hill Po Box 75104-00200, , Kenya Website: www.equitybankgroup.com

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