A F R I C A

Our story of unparalleled

success

Africa Financial Services

Landscape

Africa has mere 24% banking population

East Asia & Pacific

Latin Americ

a

East Europe & Central

Asia

South Asia

Middle East & North Africa

Sub-Saharan Africa

18%

24%33%

39%

45%

55%

Mauriti

usKe

nyaAn

gola

Algeri

aTu

nisia

Botsw

ana

Ghana

Zimba

bwe

Zambia

Gabon

Maurita

niaMala

wi

Camero

on

Djibouti Tog

oCo

ngo

MaliSu

dan

Madag

ascar DRC

Niger0%

50%100%150%200% Mobile penetration (2013) Banking penetration (2012)

Pene

trat

ion

(%)

Source: World Bank indicators 2011, World Bank Findex 2012, Wireless Intelligence 2013 Note: Data above considers adult banking penetration, Adults refers to people above the age of 15

Percentage of Banked adults

24% 54%

Bank branches per 100,000 adults

3.4 20.6

ATMs per 100,000 adults

4.5 67.72%

54%

Niger

South Africa

BankingServices DisparityIn Africa

Source: World Bank indicators 2011, World Bank Findex 2012, Wireless Intelligence 2013

Africa has mere 24% banking population

Adults with an account at a formal financial institution (% age 15+)

Keny

a

Zimba

bwe

Morocco

Rwan

da

Somalia

Botsw

ana

Ghana

Zambia

Uganda

Gabon

Lesoth

o

Maurita

nia

Tanzan

iaMala

wi

Sierra

Leon

e

Camero

on

Burki

na Fa

soCh

ad

Cong

o B Mali

Sene

gal

Madag

ascar DRC

Guinea

CNiger

020406080

3840

NA

31

1122 25 22 20

8 15 17 14 15 13 14 12 6 5 7 5 4 2 2 1

76

38

NA

4257

49 52

1427 26

3619

4130 26

17

3519 13 18

9 10 11 11 9

Rural Urban

Perc

enta

ge

Adults with an account at a formal financial institution by area of residence (% age 15+)

70% of the adult population does not have a bank account Wide asymmetries in urban and rural access to financial infrastructure

Source: World Bank Findex 2011

10

20

30

40

70% of the population is unbanked

99 of 196 MNOs in 44 African countries offer mobile money service

Africa mobile financial services deployments by region

Guinea B1 of 3

Niger3 of 4

Egypt3 of 3

Kenya4 of 4

Uganda4 of 6

Benin2 of 5

Cameroon2 of 3

Ivory Coast3 of 6

Congo2 of 4

Botswana2 of 3

S.A.2 of 4 Swaziland

1 of 1

Zambia3 of 3

Rwanda3 of 3

Ghana3 of 6

Nigeria 5 of 8

Liberia1 of 5 Gabon

2 of 4Burundi2 of 5

DRC3 of 6

Mali2 of 2

Mauritania2 of 3Senegal

1 of 3

S.L.2 of 4

Somalia5 of 11

Tanzania4 of 8

B.F.3 of 3

Morocco2 of 3

Chad2 of 3

Madagascar3 of 4

Mozambique2 of 3

Zimbabwe3 of 3

Lesotho2 of 2

Mauritius3 of 4

Malawi2 of 2

Djibouti1 of 1

Tunisia2 of 3

Guinea C2 of 5

Seychelles1 of 3

South Sudan 1 of 5

Sudan 1 of 3

Namibia1 of 3

Togo1 of 2

LibyaAlgeria

Ethiopia

Angola

CAR

<= 25%26% to 50%51% to 75%>75%

0%

MNOs with mMoney

39

32

28

Rest of AfricaWest Africa

East Africa

Source: GSMA, Mahindra Comviva research

50% of MNOs in Africa offer Mobile Money Service

16

18

15Rest of Africa

East Africa

West Africa

mobiquity® Money deployments

Legend

Source: Mahindra Comviva research

CAR

Zimbabwe

Zambia

Guinea B

Niger

Egypt

Kenya

Uganda

Benin

Cameroon

Ivory Coast

Congo

S.A. Swaziland

Rwanda

Ghana

Nigeria

Liberia

GabonBurundi

DRC

MaliMauritaniaSenegal

S.L.

Somalia

Tanzania

B.F.

Morocco

Chad

Madagascar

MozambiqueLesotho

Mauritius

Malawi

Tunisia

Guinea C

Seychelles

South Sudan

Sudan

Namibia

Togo

LibyaAlgeria

Ethiopia

Angola

Botswana

Mahindra Comviva’s mobiquity® Money footprint

No deployment

1 deployment

2 deployments

3 deployments

7

Market leaders in commerce, data and content

Leading the market in the

mobile recharge and financial

solutions

Powering the data revolution

Developing the digital content

ecosystem

Over 130 operators Over 130 content partnersOver 300,000 unique tracks in over 35 local languages

Over 80 deploymentsIn more than 40 countries

With over 500 million subscribers

Over 120 deployments globallyOver 750 million subscribers40% share of Africa’s mobile

money market

Over 90 countries

About us : Mahindra Comviva

8

PreTUPS™

mobiquity®

payPLUS

connectMoney

Mahindra Comviva is among top 3 mobile financial providers in

emerging markets

• 120+ deployments of PreTUPS™ and mobiquity®

• Processing $22+ B payment flows

• Empowering 750+ million consumers globally

Mahindra Comviva’s Mobile Financial Solutions

9

Thank You

Mahindra Comviva is the global leader in providing mobile financial and VAS solutions. It’s a subsidiary of Tech Mahindra and a part of the USD 16.5 billion Mahindra Group. With an extensive portfolio of solutions spanning mobile finance, content, infotainment, messaging, mobile data and managed VAS services, Mahindra Comviva enables service providers to enhance customer experience, rationalize costs and accelerate revenue growth. Its solutions are deployed by over 130 mobile service providers and financial institutions in over 90 countries and enrich the lives of over a billion people, globally. For more information, please visit www.mahindracomviva.com