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Investor Presentaiton

Q3 2023 Investor Presentation KCB Strong growth in profitability achieved across all our subsidiaries more than offset the impact of loss at NBK netting an overall growth in net earnings for the Group. 3.6x growth in net profits at KCB Investment Bank to KShs 93M. Net loss of KShs 3.0 billion at NBK in Q3 2023 due to legal award, increased cost of borrowings and provisions. 51 For People. For Better. Net profit contribution per subsidiary KCB Kenya 23,982 Non-KCBK 12,110 YoY Change ■KCB Kenya (9%) N/A 1,999 TMB 1,986 KCB Tanzania 157% 1,060 BPR 22% 898 KCB Uganda 129% 5,240 499 KCB S Sudan 79% 428 KCB Burundi 5% Amounts in KShs million Numbers include the holding company balances which are consolidated as part of the overall Group position KCBBIL* 18% * KCB Bancassurance Intermediary Limited
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