Investor Presentaiton

Innovative digital financial services Q3 2023 Investor Presentation KCB Value of mobile loans disbursed grew to an all time high of KShs 245 billion augmenting our efforts to support households and small businesses to bounce back stronger. ^ 77% Growth in value of mobile loans disbursed driven by Fuliza, introduction of term loans on KCB Mobi and new mobile lending products for small businesses. 16 For People. For Better. Value of mobile loans disbursed in Q3 2023 (KShs B) Fuliza personal 69% YoY growth 150.3 33.8 24.8 KCB MPESA 1% YoY growth 23.0 13.3 KCB mobi loan Total value of mobile loans 245.2 60% YoY growth Business loans Digital overdraft and retailer financing. Fuliza business Introduced in 2023

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