FY 2022 Investor Presentation

FY 2022 Investor Presentation Group Overview | Operating Environment | Financial Performance | Appendices. Non funded income (NFI) from digital channels grew by 21% supported by increased usage of internet banking, mobile banking and merchant POS terminals Total NFI from digital channels KShs 8,738 M Digital channels non funded income in 2022 (KShs M) Mobile banking Agency and Merchant POS 1,971 10 For People. For Better. Closer. Connected. Courageous. Internet Banking 466 YoY Change 5,930 22% 21% 39% ATMs 371 3% KCB

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