Investor Presentaiton

LOAN BOOK PERFORMANCE Sectoral Loans Comparison 0.4% 0.3% Key growth segments: Personal: 68% Tourism: 57% Manufacturing: 25% Industry* KCB Dec 2019 3.6% 2.6% 4.2% 2.8% 3.0% -4.2% 3.9% 4.4% 6.8% 4.6% 19.3% 6.9% 4.2% 7.0% 13.0% 11.5% 14.8% 17.8% 26.8% 37.8% Group gross loans KShs. B 66 36 Mining and Quarrying Agriculture Energy and water Tourism, restaurants and hotels Financial services Transport and communication Trade Building and construction Manufacturing Real estate Personal/Household *CBK Data as at June 2019 2 581 19% 477 LCY FCY 81% Dec-18 Retail Corporate Mortgage Dec-19 KCB 24 24

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