Investor Presentaiton

KCB P&L HIGHLIGHTS Net Interest Income KShs 48.8B Profit before tax up 9.0% KShs 56.1B Total Non Interest Income KShs 23.0B KShs 28.2B (5% growth Operating Expenses excl NBK) KShs (38.5B) KShs (35.0B) 4.9% Net Earnings growth to Kshs 25.2B (Flat excl NBK) Profit before tax KShs 33.9B KShs 36.9B 2018 2019 29

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