MTN is a leading mobile money operator with services in 15 countries and over 50 million registered users. It facilitates over 200 million transactions per month totaling $4 billion in value. MTN's mobile money platform is used to digitize payments for utilities, loans, donations, and business transactions. In Ghana, the customer base grew 30% in one year to 96 million, usage increased from 45% to 66% of MTN's network, and over 5,000 loans per day are disbursed to mobile phones. There is significant potential for MTN mobile money to drive financial inclusion in Ethiopia through retail payments, business payments, financial access, and government services by enabling affordable and accessible transactions.

1. 1
MTN MFS
ETHIOPIA
March 2018
Financial Inclusion

2. 2
MTN Group is one of the most successful Mobile Money operator in the world
MTN Mobile Money footprint and outlook
Guinea C
Uganda
Ghana
Cote d’Ivoire
Zambia
Nigeria
Cameroon
Liberia
Congo B
Swaziland
Guinea B
Rwanda
Benin
Sudan
MTN Mobile Money
outlook
- Footprint: Mobile Money service live in
15 countries, 8 operations with more than
1 million active customers
- Customers: 50 million registered, 22
million active
- Access: 250 000 agents facilitating
deposits and withdraw, MoMo accessible
through USSD, App, Web and IVR
- Usages: 200 million transaction per
month, USD 4 billion in total transaction
value

3. 3
MFS as an catalyst to digitizing the economy
With a multitude of partners leveraging MoMo
In Ghana, a
prepaid water
company
leverages MoMo
to deliver
potable water
in remote
areas
In most of our
countries
prepaid solar
energy provide
use our
platform to
deliver their
products
Financial
institutions
leverage our
platform to
digitize their
loan process
and payments
In Uganda the
Red Cross uses
our platform
to digitize
the collection
of donations
In all our
markets our
platform is
used by
merchants to
digitize their
businesses
In most market
our platform
is also used
to facilitate
social and
emergency
response
disbursements

4. 4
MTN Driving Financial Inclusion
A Closer Look at Ghana
Easy Affordable
accesss to
Finance
Transactions
Jan 2017 – Dec 2017
30%, 7m
Remittances
International Processing
Customer Growth
Jan 2017 – Dec 2017
29M to 96M
> 3M Per
Month
5,000 Loans a
day
Not only has the customer base increased by 30% in one year.
The usage of Mobile Money also grow from 45% of MTNs network to 66%
Simplified transaction processing, allowing transfer of funds,
purchase of goods and service for as low as a dollar
Driving access to affordable finance. 10% of Ghana’s mobile
money customers have quick and easy access to loans
disbursed directly to their mobile phones
Transaction processing has now moved global. MTN Ghana now
receives approximately 3M per month from other countries

5. 5
Potential for Ethiopia
Retail Payments
Mobile money will drive
Affordability, Access and
Ease of use for Ethiopia for
consumers via;
• Send Money – P2P Local
and international
transfers
• Pay for Utilities – Remote
Payments for consumer
utilities such as Water,
electricity, PayTV
• Financial Institutions –
Mobile deposits and
withdrawals
01
Business Payments
With the growth of Mobile
Money, businesses have
now adopted simplified
ways of collecting
payments
• Merchant businesses –
Payment for goods &
Services
• Bulk Payments: Businesses
can pay more than one
person e.g. A coffee farm
paying pickers
• Governments – County
payments such as
parking fees
02
Financial Inclusion
MTN has partnered with
service leaders to provide
access to financial
products, Savings and
Loans to our customers who
may have not had access
to these formal products
• Mobile registration based
on the customers SIM
Card
• Securely manage and
operate your financial
portfolio directly from
your phone
03
Gov. payments
MTN Mobile Money
facilitate government
disbursements and
collection in several
countries thus enabling
government to:
• save cost of manipulating
cash
• Facilitate and simplify
social disbursements
• Expend and fasten social
and tax payment
collections
04
+ + + +

6. 6
Thank you