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LOAN BOOK PERFORMANCE Asset Quality Review 13.3% 13.0% 12.0% 12.0% 10.6% 11.9% 10.9% 19% 81% 9.1% 6.9% 8.5% 7.4% -KCB Group 8.0% NPL excl NBK, up 40 bps 1.5% 1.8% 1.0% 0.7% KShs 7.8 billion reduction in the NBK gross NPL in Q4 2019 FY 2016 FY 2017 FY 2018 FY 2019 ■ Industry NPL (Kenya) -NPL Group --COR -Combined NPL NPL Breakdown ■LCY FCY 14.4% 13.1% 10.4% NBK NPL ratio 8.6% 7.4% down in Q4 2019 6.2% 3.7% to 43% from 50% in Q3 2019 2.3% KCB CHECK OFF MORTGAGE CORPORATE SME & MICRO 2016 2017 2018 2019 25

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