Investor Presentaiton

Innovative digital financial services Q3 2023 Investor Presentation KCB Value of transactions across our channels grew by 61% to KShs 8.1 trillion, showcasing KCB's position both as an enabler and beneficiary of recovery in business activity. Ʌ59% of transactions by value conducted through non branch channels Ʌ82% YoY growth in value of branch transactions to KShs 3.3 trillion 15 For People. For Better. Value transacted through digital channels in Q3 2023 (KShs B) YoY Change 137 303 491 1,451 Mobi Service* 59% Internet Banking 51% Total: 4,481B 2,437 ■Agency YoY growth of 36% *Mobi service includes B2C, C2B, B2B, Lipa Karo and Float purchase ■ ATMs 13% 43% Merchant POS 99%

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