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 StatementWe offer inclusive, customer-focused financial services that socially and economically empower our

clients and other stakeholders.

Positioning StatementYour listening, caring partner

MottoGrowing together in trust.

Values

o Professionalism

o Integrity

o Creativity & Innovation

o Teamwork

o Unity of purpose

o Respect & Dignity for customers

o Effective Corporate Governance

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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 - Kenya

• British – American Investments Company

(Kenya) Limited

• Equity Bank ESOP (Employees)

Regional presence

Kenya, Rwanda, Tanzania, Uganda, South

Sudan & DRC

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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.

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Equity Group Social Sustainability Pillars

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Equity Supports Sustainable Development Goals

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Through The Foundation That Complements AWF Work

Monitoring and evaluation

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2

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Education and Leadership

Develop-ment

Agriculture

Innovation andEntrepreneurs

hip

Health

Financial Literacy

Financial Inclusion

Environment

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▪ Equity Afia

▪ Cash transfers

▪ Fanikisha

▪ Fanikisha+ (Tanzania)

▪ Forest restoration

▪ Energy program

▪ Financial Knowledge for Africa training Programme

▪ Entrepreneurship training program

▪ Transforming smallholder farmers

▪ Scaling up medium size farms

▪ Wings to Fly

▪ Equity African Leaders Programme

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Equity Group Foundation- Driving Economic and

Social Brand

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Equity Bank Social payments Experience

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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-

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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 Private Sector’s Expertise in Delivering Payments

Strong Public Private Partnership- PPP- Equity Bank South Sudan /MasterCard (WFP) to Scale social payments

innovation

Key Recommendation No. 2 – Where Possible Deliver Cash Digitally and in a Manner that Deepens Financial Inclusion

Bank accounts & biometric prepaid cards holds digital cash

Agency model and branches are Sustainable Rural Financial System Infrastructure supporting local cash economy

Agency Model- using local money transfer Agents

Key Recommendation No. 3 – Improve Aid Agencies Data Security, Privacy Systems and Compliance with Financial Regulations

Security - Card system is EMV - Europay Visa - Compliant and Equity Autobranch

Strong KYC- Know your customer- manage AML/ fraud

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Model

Bio-metric authentication, with a smartcard & photograph. 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

Mode of Delivery

Bank Accounts & Biometric PrePaid Cards Holds Digital Cash Agency Model and Branches are Sustainable Rural Financial System

Infrastructure Supporting Local Cash Economy Agency Model- Shared Prosperity Growing Local Entrepreneurs Build ‘’Last Mile’’ for National Payments System

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

Hunger Safety Net Program- HSNP

Phase I (2009-2013)

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Number of Beneficiaries households 68,624 households or 420,000 individualsAreas 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

Number of Beneficiaries households100,000 households on regular cash transfer

270,000 households on emergency interventionAreas covered by Program Turkana, Mandera, Marsabit, Wajir

Amount of Cash Transfer Per Year

Year 1: 2014 Amount KES 4,600.00 Year 2: 2015 Amount KES 4,900.00 Year 3: 2016 Amount KES 5,100.00 Year 4: 2017 Amount KES 5,400.00

Total Cash Transfer ValueProgram Budget KES 15.46 BillionPaid to date KES 10 Billion

Hunger Safety Net Program- HSNP Phase 2 (2014-2017)

Hunger Safety Net Program HSNP

Phase I (2009-2013)

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Number of Beneficiaries

households

57,246 households or 343,476 individuals

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

Mode of Delivery

Biometric PrePaid Cards Holds Digital Cash

Agency Model and Branches are Sustainable Rural Financial System

Infrastructure Supporting Local Cash Economy

Agency Model- Shared Prosperity Growing Local Entrepreneurs

Compliance to Regulation

Security - Card System is EMV- Europay MasterCard and Visa- Compliant

Beneficiaty Data Confidentiality per CBK Prudential Regulations

Strong KYC- Know Your Customer- Manage AML/ Fraud

Orphans & Vulnerable Children (CT-OVC)

(2012 – 2017)

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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 Private Sector’s Expertise in Delivering

Payments

Strong Public Private Partnership- PPP- Equity Bank / IFAD/ EU to Scale Agriculture Subsidy Innovations

Key Recommendation No. 7 – Where Possible Deliver Cash Digitally and in a

Manner that Deepens Financial Inclusion

Account based cash transfer Debit card with wallets Agrodealers to issues subsidy including seeds, fertiliser Access to credit for all the 40,000 farmers

Key Recommendation No. 8 – Improve

Aid Agencies Data Security, Privacy Systems and Compliance with Financial Regulations

Security - Card System is EMV- Europay MasterCard and Visa- Compliant

Beneficiaty Data Confidentiality per CBK Prudential

Regulations Strong KYC- Know Your Customer- Manage AML/ Fraud

KCEP (Kenya Cereal Enhancement Programme)

2015 - 2018

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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

Model

Bank Accounts & Biometric Debit Cards Holds Digital Cash Agency Model and Branches are Sustainable Rural Financial

System Infrastructure Supporting Local Cash Economy Agency Model- Shared Prosperity Growing Local Entrepreneurs

Key Recommendation No. 1 –Capitalize Private Sector’s Expertise in Delivering Payments

Strong Public Private Partnership- PPP- Equity Bank Rwanda /MasterCard (WFP) to Scale social payments innovation

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

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Smart Card : Multi Wallet – Multi Programme

Bio Data

Bank Account

Health Care

Food Ration

Water

Education

NutritionSeeds/Fertilizer

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Gihembe Camp

Location:

Gihembe refugee camp is located in

Byumba town, Kageyo Sector of

Gicumbi District in Northern

Province, 60 km north from Kigali

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

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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.

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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.

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Equity Bank Social Payments Beneficiaries’ Success Story

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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.

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EA HPPP ( East Africa - 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.

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Allan M. Waititu, Equity Bank,

Director- Special Projects,

Email allan.waititu@equitybank.co.ke

Equity Bank,

Equity Centre,

Hospital Road, Upper Hill

Po Box 75104-00200, Nairobi , Kenya

Website: www.equitybankgroup.com