FY 2022 Investor Presentation

FY 2022 Investor Presentation Group Overview | Operating Environment | Financial Performance | Appendices We drive financial inclusion through consistent growth in the mobile lending book to personal customers and micro enterprises. ^ 23% Growth in value of mobile loans disbursed driven by Fuliza and KCB Mobi loan Value of mobile loans disbursed in 2022 (KShs B) 124.4 43.2 ■Fuliza 29% Average ticket: KShs 302 KCB MPESA 5% Average ticket: KShs 4,923 8 For People. For Better. Closer. Connected. Courageous. 21.6 2.4 ■KCB Mobi Loan 1.4 Total value of mobile loans 193.1B 36% Average ticket: KShs 21,076 ■ Kopa Float Launched in 2022 ■Retailer Finance ▲ 112x KCB

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