#1KCB Q3 2021 INVESTOR PRESENTATION 17 NOVEMBER 2021#2KCB Mon 60 GROUP OVERVIEW#3LARGEST FOOTPRINT IN THE REGION 889 BANK 25.9 M Customers 8,373 Staff 491 Branches 0000 1,154 ATMS 27,371 Agents & POS/ Merchants KCB Kenya Branches 295 Tanzania ATMs 502 Agents 16,899 Staff 6,530 Branches 14 ATMs 15 Agents 249 Staff 291 South Sudan Branches 13 ATMs 4 Agents 45 Rwanda Branches 150 ATMs 77 Agents 842 Staff 132 Staff 1,114 Uganda Branches 13 ATMs 15 Agents 420 Staff 269 Burundi Branches 6 ATMs 8 Agents 200 Ethiopia Rep Office KCB KCB Bancassurance Capital Foundation Intermediary KCB Limited Staff 134 3#4HIGH LEVEL ORGANISATION STRUCTURE Board 11 Directors 8 Independent 1 NED and 2 Executive AUDIT & RISK OVERSIGHT STRATEGY & IT NOMINATIONS General Management Committee Group CEO & MD Reporting to the Board & executing delegated powers Executive Committee Assets & Liabilities Management Committee Group Operational Risk & Compliance Committee HR & GOVERNANCE Management Credit Risk Committee KCB 4#5THE EXECUTIVE COMMITTEE Joshua Oigara Group Chief Executive Officer and Managing Director Lawrence Kimathi Group Chief Finance Officer Samuel Makome Chief Commercial Officer Bonnie Okumu Group General Counsel Japheth Achola Paul Russo KCB *MD NBK Group HR Director Group Regional Business Director* AA Dr. Leonard Mwithiga Group Shared Services Director Joachim Steuerwald Rosalind Gichuru John Mukulu Group Chief Group Director Marketing, Group Chief Risk Officer Technology Officer Corporate Affairs and Citizenship Bernard Okello Group Director Credit 5#6KCB's 2023 STRATEGY 3 Year Strategy Vision The very best in customer experience, driving a digital future Our Aspirations CES <15% NPS 45%+ Total assets 1.2 Tr CIR 40-43% NFI 40% PBT from subsidiaries 20% Our Strategic Thrusts Customer first, with leading value propositions Step change in efficiency & productivity Digital leader & digital to the core Scale to achieve regional relevance 6#7CUSTOMER FIRST KCB Customer Excellence Scores 200 ATM Deposits 172 Steady improvement in customer satisfaction driven by investment in self serve channels 54 48 150 42 30% 100 24% 20% 38 89 24 40 12 93% Growth in value of ATM deposits to Kes 172B with Kes 86B deposits collected Q3 19 Q3 20 Q3 21 Q3 19 Q3 20 Volumes (Kes B) Q3 21 No. of CDMs* ** INPS* --CES * Industry average at 34 as at Q2 2021 46% of contact center calls resolved through interactive voice response (IVR) Customers' average wait times dropped from 14 minutes in December 2020 to 6 minutes in September 2021 **Cash deposit machines 7#8CUSTOMER FIRST Number of non-branch channel transactions in Q3 2021 (M) 98% of transactions conducted through non-branch channels 42.4 8.1 3.4 8.9 50% YoY growth 187.3 95.9 YoY growth Mobile Lending 61% Mobi Service 47% ■ Agency 25% Merchant POS 68% ■ ATMs (8%) ■Internet Banking 79% KCB 8#9SUPPORTING MSMES THROUGH THE PANDEMIC SME NPL ratio improved by 440bps to 8.7% due to prudent credit management Revised lending criteria through extended loan tenures and enhanced limits, fueling a Kes 16.8B growth Loan book 31.4 54% Participation in risk sharing guarantees to de-risk the portfolio KCB Actively upgrading customers to the corporate segment upon outgrowing the retail SME proposition Deposits 11% 7 104.5 94.1 48.2 ■Q3 20 Q3 21 Amounts in Kes B 9#10DRIVING EFFICIENCY THROUGH NON-BRANCH CHANNELS Improvement in efficiency ratios in 2021 supported by deepening of digital channels Value transacted through digital channels (Kes B) 449 47 256 YoY growth ■Mobi Service 70% ■Internet banking 36% 499 56% YoY growth ■ Agency 1,563 ■ ATMs Cost to income ratio Q3 19 Q3 20 44.7% Q3 21 43.5% 46% 43% Merchants POS 66% Return on equity Q3 19 46.3% Q3 20 10.9% Q3 21 Cost of funds 21.8% Q3 19 Q3 20 KCB 22.0% Q3 21 2.6% 2.7% 2.8% 10#11DRIVING EFFICIENCY THROUGH NON-BRANCH CHANNELS Group Q3 21 Revenue KCB Digital Channels Revenue Kes 6.6 B 79.9 (1.9%) Total revenue from digital channels. 69.1 Other NFI, 6.7 6.6 9.0 Other NFI 7.0 1.1 0.8 88% being NFI, equivalent to half of KCB Bank Kenya's total fees and commissions F&Cs 14.5 F&Cs, 14.3 5.8 5.6 NII, 47.9 NII 56.4 Q3 20 Q3 21 Q3 20 Q3 21 NFI Mobile interest F&Cs Fees and commissions Amounts in Kes B 11#12GROWING OUR PAYMENT UNIVERSE Ready to build something amazing? PAYMENTS flow na vcoma PAY SEND RECEIVE SAVE BORROW ON YOUR PHONE Increase in recruitment of customer & partner base to grow utilization of payment services. Discover APIs curl https://buni.kcbgroup.com/ Curl Python JavaScript Ruby -request POST\ -url https://sandbox.buni.kcbgroup.com/v2/token -header 'authorization: Authorization' \ -header 'content-type: Content-Type' 0.6 KCB Developer sandbox online with 20 partners live Available APIs on Buni ✓ To pay - to Vooma wallet, till to till & notifications ✓ Queries – query and validate utility bill by account, merchant till or agent name & number ✓ Deposit & withdraw at any Vooma agent to any partner bank account or wallet 274 32 Number of wallets (M) Number of merchants (K) Number of Agents (K) 12#13BUILDING MOMENTUM FROM OUR REGIONAL BUSINESSES ▲ 80% Organic growth of PBT from subsidiaries outside KCB Bank Kenya to Kes 5.1B in Q3 2021 KCB Contribution of subsidiaries outside KCB Bank Kenya Profit before tax Total assets Q3 19 7.7% Q3 19 12.7% Q3 20 11.7% Q3 20 23.9% Q3 21 14.4% Q3 21 26.4% 13#14KCB OPERATING ENVIRONMENT HIGHLIGHTS#15COVID-19 POSITIVITY RATES DECLINING ACROSS THE REGION 99% of KCB staff in Kenya and 89% across the region have been vaccinated with at least one dose, enabling resumption of up to 80% of our staff to their primary working sites Source: Africa CDC data Tanzania 0.6 1.5 Nigeria 2.7 Ghana 4 0.3 South Sudan 6 Uganda 0.9 Kenya* 8 3.4 9 0.1 Burundi 9 Rwanda Ethiopia South Africa 17.5 13 14 21.8 34 KCB Percentage of people fully vaccinated Weekly cases per 1M population *Fully vaccinated persons as a percentage of the adult population in Kenya stand at 8.0% 15#16REGIONAL GDP RECOVERY OUTLOOK Kenya's GDP expanded by Kes 515B, to Kes 10.2T, after it was rebased to capture new sectors whose output had grown in recent years. Projected GDP Growth Rates 6.0% 5.6% 7.0% 6.5% 5.3% 5.1% 5.1% 4.7% 1.6% 4.2% 4.0% KCB 5.1% Kenya Uganda Rwanda 2021 South Sudan 2022 Burundi Tanzania Source: IMF October 2021 World Economic Outlook 16#17會 REGIONAL CURRENCIES PERFORMANCE Performance of regional currencies against USD Year to Sep 2021 KENYA Diaspora remittances up 20% to USD 2.7B in nine months of 2021 UGANDA Shilling driven by inflows and coffee exports 3.41% 12.81% KCB SOUTH SUDAN 0.10% Devalued its currency in Q1 21 -1.16% -2.28% -2.07% Burundi Rwanda Kenya Tanzania Uganda South Sudan 17#18REGIONAL CURRENT ACCOUNTS TREND KENYA Import cover 5.77 months at the end of Sep 2021 Exports up 11.5% in year to Aug 2021 Imports up 22.9% in year to Aug 2021 KCB Current account deficit as a percentage of GDP -4.8 -5.2-5.4 -8.4 -9.1 -5.7 -2.7 2020 2021* ■2022* -4.3 -3.9 -4.5 0.2 -11.4 -11.9 -12.2 -12.5 -13.3 -14.5 -15.7 Kenya Uganda Tanzania Rwanda Burundi South Sudan 18 *Projected#19INFLATION AND LENDING RATE MOVEMENT Inflation rates Inflation remained moderate in most countries in the region on account of reduced prices of locally produced food items KCB 69.9% 67.0% 8.0% 6.9% 1.8% 2.7%2.2% 3.1%4.0% 4.2% 6.3%5.1% Rwanda Uganda Tanzania Kenya Burundi South Sudan ■Sep-20 Sep-21 Central Bank rates 7.1% 7.0% 7.0% 6.6% 7.0% 6.5% 4.5% 4.5% 5.0% 5.0% 10.0%10.0% Rwanda Tanzania Burundi Kenya Sep-20 Sep-21 Uganda South Sudan 19#20CONTINUED FOCUS ON ESG OUR APPROACH TO SUSTAINABILITY IS GUIDED BY THE FOLLOWING SDGS Climate Action Responsible Consumption and Production Peace and Justice Strong Institutions Partnerships to achieve the Goal KEY DEVELOPMENTS IN 2021 16 eco есе No Poverty Decent Work and Economic Growth Industry, Innovation and Infrastructure Reduced Inequality 000 KCB Sustainable Cities and Communities M KCB Group is committed to creating long term value for shared prosperity through alignment of our strategy to sustainable practices. As we deepen our presence across the region, we seek to address the environmental, social and governance (ESG) risks and effects of our operations in a manner consistent with our values. Reduced our carbon footprint by 23%. Targeting to be carbon neutral by 2050 Minimized the E&S impact from our lending through screening of loans worth Kes 85B Trained over 6,633 staff on sustainability to help demystify and ensure mitigation of climate risks 20#21CONTINUED FOCUS ON ESG Supporting our Communities through shared value Kes 11.1B distributed to the elderly, orphans and vulnerable under the Inua Jamii programme. Embracing diversity at the workplace 45% of all employees and 40% of managers are women KCB Decent Work and Economic Growth No Poverty Reduced Inequality ++ 口 KCB Scholarship programme expanded to included university students 4,241 young persons trained under the 2Jiajiri programme leading to creation of 5,592 jobs Partnerships Partnerships to achieve the Goal UN Convened, Industry-d Net-Zero Banking Alliance SHARED VALUE AFRICA INITIATIVE GRI Empowering Sustainable Decisions FINANCE UNEPINITIATIVE UN GLOBAL COMP 41% composition of women on the Group and subsidiaries' Boards 250 women trained under the Women in Leadership Network 0 United Nations Global Compact TCFD TASK FORCE ON CLIMATE-RELATED FINANCIAL DISCLOSURES ✓ PCAF 21#22IMPROVED STOCK PERFORMANCE Kes 150 B Market capitalization Share price (Kes) 46.75 20% Share price appreciated by 23% in 2021 outperforming NSE20 index by 14% KCB's shares are listed on the NSE, DSE, USE and RSE with shares worth USD 91M being traded in 2021 As at 30 September 2021 39.10 Q3 20 Q3 21 19.8% Shareholder profile 11.6% 3.2B issued shares with 72% being free float 26.1% ■Local Institutional Investors ■ National Treasury of Kenya KCB 42.5% ■Local Individual Investors Foreign Investors 22#23DECLARATION OF INTERIM DIVIDEND KCB Kes 9.92 Annualized earnings per share in Q3 2021, up 92% The Board of Directors approved payment of an interim dividend of Kes 1.00 per share. The dividend will be paid on or about 14 JANUARY 2022, to shareholders registered at the close of business on 9 DECEMBER 2021 Dividend per share (Kes) 3.50 3.50 3.00 3.00 2.00 2.50 2.50 2.00 3.00 2.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 2015 2016 2017 2018 2019 2020 2021 Interim Final 23#24STABLE AND STRONG RATINGS KCB BANK KENYA 2019 2020 2021 Credit ratings at par with the sovereign rating and affirmed in October 2021 Rating B2 B2 B2 Outlook Stable Negative Negative Credit rating affirmed KCB's: . Solid profitability metrics • Stable deposit-based funding structure, and; Strong capital buffers MOODY'S INVESTORS SERVICE KCB 24#25AWARDS THE BANKER TOP 1000 BANKS KCB ranked 685th Globally 20th in Africa 1st in Eastern Africa • · Best Bank in Kenya by: • Global Finance World's Best Bank Awards. • Global Business Outlook Awards. • World Economic Magazine Awards. KCB 2. 1 3 Best Bank in Kenya and Africa's Best Responsibility Bank by Euromoney Global Awards. • Safest Bank in Africa by Global Finance. ⚫ Best Sustainable Bank by International Business Magazine. • Most Socially Responsible Bank in Kenya by Finance Derivative Awards. ⚫ Best ESG solution by Middle East & Africa Innovations Awards. · • Fortune Change the World ranked KCB Group 8th Globally for community support and service to society Best Bank in Kenya for Customer Experience, Digital and Innovation by Global Brands Magazine Awards. Best in Digital Banking, Product Marketing and Mortgage Finance by Think Business Awards. • Best Corporate and Best Retail Bank by Global Banking and Finance Awards. 25#26KCB FINANCIAL PERFORMANCE#27SUBSTANTIAL BALANCE SHEET GROWTH ▲ 15% Growth in balance sheet size to Kes 1.1 trillion ▲ 13% Loan book growth driven by improved lending in Kenya, Uganda and Rwanda and BPR acquisition Q3 2021 Government Securities 252.4 7% 15.8 Net loans 651.8 13% Customer deposits 859.1 11% Long term debt 35.3 73% 14.9 Total equity 163.0 20% 27.1 Total assets 1,122.5 15% Amounts in Kes B 74.3 86.4 KCB 150.5 Q3 21 vs Q3 20 ☐ YoY growth 27#28RESURGENCE IN MOBILE LENDING Kes 115B Value of mobile loans advanced. Significant improvement in the year driven by limit enhancements for qualifying customers KCB Mobile loan product split Recovery in mobile lending in 2021 14% 41 12 Q3 21 115B 15 25 38 36 5 3 4 11 Q3 20 12 118B 11 53 34 69 50 21 23 25 Q1 21 Q2 21 Q3 21 Fuliza ■KCB MPESA Vooma loan Amounts in Kes B 28#29DOUBLE DIGIT LOAN BOOK GROWTH Gross loans growth ▲ 12% Growth in Gross Loans driven by personal and manufacturing sectors. 640 32 46 19% 718 LCY FCY 81% Q3 20 Retail Corporate Q3 21 Gross loans per segment Q3 20 308 179 31 122 640 Q3 21 340 KCB 207 48 123 718 ■Corporate Amounts in Kes B Consumer Consumer SME Others* *Others include micro, premium, retail mortgages, staff, diaspora and digital loans 29#30IMPROVED ASSET QUALITY NPL evolution 13.7% Group NPL ratio down 140 bps year on year 20 98 98 97 97 96 96 16 15.1% 14.7% 14.8% 15 14.3% 13.9% 14.5% 14.1% 14.0% 13.7% 13.6% 10 Q3 20 --NPL ratio FY 20 --Kenya industry NPL ratio Q1 21 H121 Q3 21 • Gross NPL (Kes B) KCB 30#31IMPROVED ASSET QUALITY KCB 10 Cost of risk vs ECL charge Gross loans staging Cost of Risk 20.0 improvement driven by reduced provisions in 126 516 corporate and digital loans 5.8 1.7% 76 4.8% 9.3 IFRS provisions staging ■ Stage 1 6.6 Stage 2 ■ Stage 3 2.0% 5.9 Q3 19 Q3 20 Q3 21 ECL charge (Kes B) --Cost of risk 52.8 Amounts in Kes B 31#32DISTRIBUTION OF THE NON PERFORMING BOOK NPL breakdown by segment 11.8% KCB Bank Kenya NPL ratio in September 2021 down from 12.8% in December 2020 2.8% CHECK OFF 10.7% MORTGAGE 17.9% CORPORATE 13.9% Kenya industry NPL ratio as at August 2021 down from 14.0% in June FY 20 Q1 21 ■H1 21 ■Q3 21 NPL breakdown by subsidiary 42.8% 35.1% KCB 9.1% SME & MICRO 11.8% 5.6% 3.0% 2.1% 2.3% KCB Bank South Sudan NBK KCB Bank Kenya KCB Bank Uganda KCB Bank Tanzania KCB Bank Rwanda KCB Bank Burundi 32#33CONSISTENT IMPROVEMENT IN COVERAGE RATIOS Coverage ratios 72% Regulatory coverage 72.0% 70.1% ratio 200bps above our 68.6% 69.0% short term target 67.7% 63.5% KCB 75.0% Medium term target 73.4% 70.0% Short term target 69.5% 67.9% 66.7% 66.2% 65.2% Q3 20 FY 20 Q1 21 H121 Q3 21 Q3 21* -⚫-IFRS Coverage Ratio --CBK Coverage Ratio Q3 21* ratios inclusive of additional coverage provided by risk guarantee schemes 33#34DIVERSIFIED DEPOSIT PORTFOLIO Deposit growth (Kes B) 43 30 41% Liquidity ratio, up 320bps supported by low cost and stable funding mix driven by growth in demand and term deposits 773 11% Growth in customer deposits due to organic growth of Kes 60B and inorganic growth of Kes 26B FCY, 14% Currency Mix 7 CO Deposit mix KCB Retail, 47% Retail, 46% 859 Corporate, 53% Corporate, 54% Q3 20 Demand Term Savings Call Q3 21 Deposits by type Q3 20 21% LCY, 86% 5% 6% Q3 20 Deposits by type Q3 21 7% 22% 5% 68% Demand Savings Term Call 66% Q3 21 34#35SIGNIFICANT CAPITAL HEADROOM KCB Group All Group subsidiaries except NBK above minimum capital ratios. Loan recoveries and retained earnings to bridge NBK's capital shortfall KCB 5.0% 5.1% 6.1% 7.6% 7.3% 6.8% 14.5% 14.5% 14.5% 10.5% 10.5% 10.5% Q3 19 Q3 20 Q3 21 Q3 19 Q3 20 Q3 21 KCB Bank Kenya 3.3% 4.3% 2.8% 6.0% 5.5% 4.7% 14.5% 14.5% 14.5% 10.5% 10.5% 10.5% Q3 19 Q3 20 Q3 21 Q3 19 Q3 20 Q3 21 Core capital to RWA Headroom Minimum Core capital to RWA Total capital to RWA Headroom Minimum Total capital to RWA 35#36DOUBLING UP OF GROUP PROFITABILITY Q3 2021 Ʌ109% Customer loans 53.4 17% Growth in PBT driven by increased interest income from loans and government securities, FX trading income and a decline in the provisions charge Government securities 18.9 12% 2.1 Interest expense 17.1 11% 1.7 Lending fees 6.6 -0.2 (3%) Service fees 7.9 5% 0.4 Forex income 4.5 Provisions 9.3 -10.7 35% 1.2 (53%) 7.7 KCB Operating expenses 34.8 9% 2.8 Profit before tax 35.8 109% 18.7 Amounts in Kes B Q3 20 vs Q3 21 YoY movement 36#37STEADY GROWTH IN INTEREST EARNING ASSETS Net interest income up 18% to Kes 56.4B driven by increase in earning assets and interest write- backs. Loans and Govt. securities (Kes B) KCB Yields vs Cost of funds 11.1% 10.9% 10.9% 252 10.9% 236 10.4% 10.0% Cost of funds dropped by 10bps on account of lower cost of customer deposits 129 652 578 486 2.8% 2.7% 2.6% Q3 19 Q3 20 Q3 21 Q3 19 Q3 20 Q3 21 Government securities Loans and advances Yield on Loans Yield on govt securities -COF 37#38OPERATING COSTS OUTLAY *CAGR 4.6% 34.8 31.9 KCB *Cost growth consistently below inflation and other 26.5 11.8 NBK operating expenses down by 9.0% yoy on account of cost savings initiatives 12.9 10.0 4.4 Other opex 3.8 29.0* 2.9 26.4* ■Depreciation Staff costs 18.6 13.6 15.2 Q3 19 Q3 20 Q3 21 *Excluding NBK Amounts in Kes B 44.4% 46.3% 43.5% *excluding NBK 22.8% 22.1% 23.3% 8.6% 6.9% Q3 19 --Cost income ratio -4.9% Q3 20 --Staff cost income ratio Q3 21 Jaws 38#39ASSET CONTRIBUTION PER SUBSIDIARY 73.6% Proportion of total KCB 11% 12% 26% 17% 5% (18%) 20% 818 assets in KCB Bank Kenya. 740 146 130 45 39 31 23 27 22 23 17 14 10 12 KCB Bank Kenya NBK BPR KCB Tanzania KCB Rwanda KCB Uganda KCB South KCB Burundi Sudan Q3 20 Q3 21 YoY change Amounts in Kes B 39#40PROFITABILITY GROWTH AND DISTRIBUTION PER SUBSIDIARY 6/1 14.4% PBT contribution from subsidiaries outside of KCB Bank Kenya 102% 30,479 164% 110% 73% 96% 30% 23% 2% 15,118 1,415 927 836 537 483 442 385 754 KCB 475 440 366 358 264 268 191 KCB Bancassurance KCB Burundi KCB Uganda BPR ■Q3 20 Q3 21 YoY growth KCB Bank Kenya NBK KCB Rwanda KCB South Sudan KCB Tanzania Amounts in Kes M 40#41OVERVIEW OF KEY FINANCIAL RATIOS KCB GROUP Q3 2021 KCB Q3 20 FY 20 H1 21 KCB KENYA KCB GROUP 10.9% 14.4% 20.7% Return on Average Equity 24.4% 22.0% 46.3% 45.0% 44.3% Cost to Income 37.7% 43.5% 15.1% 14.7% 14.3% Gross NPL to Gross Loans 11.8% 13.7% 68.6% 66.7% 70.1% NPL Coverage 73.0% 72.0% 15.0% 26.0% 22.9% Debt to Equity 26.9% 21.6% 30.8% 29.7% 28.6% Non funded income to total income 27.0% 29.4% 29.8% 35.3% 28.7% Mobile NFI to total fees and commissions 37.5% 28.6% 2.7% 2.7% 2.6% Cost of funds 2.6% 2.6% 7.9% 7.9% 7.9% Net Interest Margin 8.3% 7.6% 4.8% 4.6% 2.2% Cost of risk 1.9% 2.0% 82.7% 77.4% 85.3% Loan to Deposit Ratio 81.0% 75.9% 19.2% 19.2% 19.1% Government securities to total assets 20.2% 22.6% 18.7% 11.0% 8.4% Growth of Net Loans and Advances 7.5% 12.4% 31.7% 12.0% 3.7% Growth of Customer Deposits 5.9% 11.2% 41#42MEASURING UP AGAINST OUR OUTLOOK Improving economic performance supporting the confidence to meet the 2021 outlook. NFI Ratio Cost/Income ratio NPL ratio Cost of risk All outlier items recorded improvement QoQ NFI ratio 80bps COR▼ 20bps Deposits growth ▲750bps Cost of funds NIMS Asset yield 29.4% KCB 33.0% 43.5% 44.7% 13.7% 14.0% 1.8% 2.0% 2.6% 7.4% 7.6% 10.0% 10.2% 10.0% 12.4% Loan growth 11.2% 12.0% Deposit growth 22.0% 20.3% Q3 21 Actual ROE 2021 Outlook 42#43SUMMARY STATEMENT OF FINANCIAL POSITION KCB KCB Group KCB Bank Kenya Kes Billion Q3 2020 Q3 2021 Y-O-Y Change Q3 2020 Q3 2021 Y-O-Y Change Cash and balances with central bank 48.6 68.1 40% 38.2 56.5 48% Balances with other institutions 36.6 60.1 64% 8.5 21.3 152% Investments in Government & other securities 236.2 252.4 7% 166.1 165.2 (1%) Net loans and advances 577.5 651.8 13% 445.7 511.3 7% Fixed assets 25.5 31.9 25% 15.5 19.9 29% Other assets 47.5 58.2 22% 35.4 44.5 26% Total assets 972.0 1,122.5 15% 739.4 818.8 11% Customer deposits 772.7 859.1 11% 595.9 631.3 6% Balances due to other banks 16.6 26.6 60% 1.2 4.3 257% Long-term debt 20.4 35.3 73% 17.9 33.1 85% Other liabilities 26.4 37.1 40% 20.3 26.8 32% Total liabilities 836.1 958.1 15% 635.2 695.5 9% Shareholders' equity 135.9 163.0 20% 104.1 123.4 18% Total liabilities and equity 972.0 1,122.5 15% 739.4 818.8 11% 43#44SUMMARY STATEMENT OF COMPREHENSIVE INCOME KCB KCB Group KCB Bank Kenya Kes Billion Q3 2020 Q3 2021 Y-O-Y Change Q3 2020 Q3 2021 Y-O-Y Change Interest income 63.3 73.5 16% 49.9 56.9 14% Interest expense (15.4) (17.1) 11% (11.4) (11.9) 5% Net interest income 47.9 56.4 18% 38.5 45.0 17% Foreign exchange income 3.3 4.5 35% 2.2 2.5 16% Net fees and commissions 14.3 14.5 1% 11.3 11.0 (3%) Other income 3.6 4.5 23% 3.0 3.1 2% Total operating income 69.1 79.9 16% 55.0 61.7 12% Total other operating expenses (32.0) (34.8) 9% (21.2) (23.2) 10% Provisions for bad debts (20.0) (9.3) (53%) (18.7) (8.0) (57%) Profit before tax 17.1 35.8 109% 15.1 30.5 102% Tax (6.3) (10.6) 70% (5.3) (9.1) 73% Profit after tax 10.9 25.2 131% 9.9 21.4 117% 44#45KCB THANK YOU KCB Investor Relations [email protected] 177 www.kcbgroup.com