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Investor Presentaiton

Q3 2023 Investor Presentation All subsidiaries except for NBK are compliant with core and total capital requirements and are adequately capitalized to drive growth of risk weighted assets. NBK below core and total capital adequacy ratios by 3.6% and 2.9% respectively. Ratios impacted by loss registered in 2023. Management exploring options to correct this position. Core Capital Adequacy Ratios 4.0% KCB Group KCB Bank Kenya 0.3% 4.0% 2.1% 10.5% 10.5% 10.5% 10.5% Q3 22 Q3 23 Q3 22 Total Capital Adequacy Ratios Q3 23 KCB Group 3.6% 14.5% KCB Bank Kenya 3.3% 2.5% 0.4% 14.5% 14.5% 14.5% Q3 22 Q3 23 Q3 22 Q3 23 Minimum statutory ratio Headroom 42 For People. For Better. KCB
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