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Investor Presentaiton

Q3 2023 Investor Presentation KCB Operating context characterized by currency depreciation and a high-interest rate environment. We are committed to support our customers through these challenges. ĉ„Ÿ Tailwinds Strong projected GDP growth rates across the region in the medium term despite the slowing growth globally. Headwinds Depreciation of local currencies exacerbating inflationary pressure, eroding purchasing power and negatively impacting trade. Rollout of risk-based pricing to drive inclusion of previously priced-out customers. Fiscal pressures across the region portend increased costs due to rise in taxes while constrained liquidity in the markets impacts cost of funds. Anticipated decline of interest rates in the medium term as inflation continues to decline. (starting H2 2024) Continued disruptions occasioned by global geopolitical risks. 7 For People. For Better. Kil Appendices
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