Investor Presentaiton

Q3 2023 Investor Presentation Customer deposits increased to KShs 1.7 trillion, driven by organic growth in demand and term deposits in the existing businesses and the consolidation of TMB. Ʌ79.6% Increase in customer deposits, 54% from organic growth and 26% from the consolidation of TMB. 14.4% Contribution to total customer deposits from TMB 45 For People. For Better. Growth in customer deposits (KShs B) 168 176 396 Deposits by type Q3 23 13% 60% 1,656 23% 922 4% ■Demand Savings Term Call Q3 22 Demand Term Savings Call Q3 23 Q3 22 Deposits mix Retail, 49% Corporate, 51% LCY, 68% FCY, 32% 66% 6% 20% 8% KCB

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