H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation All subsidiaries except for NBK are compliant with core and total capital requirements and are adequately capitalized to drive growth of risk weighted assets. NBK below core and total capital adequacy ratios by 4.3% and 3.9% respectively. Ratios impacted by loss registered in H1 2023. Management exploring options to correct this position. Core Capital Adequacy Ratios 7.2% KCB Group 4.5% 4.5% KCB Bank Kenya 0.6% 10.5% 10.5% 10.5% 10.5% H122 H123 H122 H123 32 For People. For Better. Total Capital Adequacy Ratios KCB Group KCB Bank Kenya 7.1% 3.9% 5.0% 1.0% 14.5% 14.5% 14.5% 14.5% H122 H123 H122 H1 23 Minimum statutory ratio Headroom

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