H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation We continue to take prudent measures on the non-performing loan book in order to build and maintain adequate coverage both from provisions and securities held. Coverage ratios 136% Increase in provisions charge in H1 2023 to KShs 10.2 billion to build up coverage for downgraded facilities. IFRS Coverage Regulatory Coverage 114.2% 99.2% 99.5% 101.4% 41.7% 68.4% 45.0% 53.1% Additional provision taken to offset impact of currency depreciation for USD denominated loans in Kenya 24 For People. For Better. 54.5% 59.7% 46.1% 45.8% H122 H123 ■Provisions H122 Additional cover provided by collateral H123

View entire presentation