Investor Presentaiton

Q3 2023 Investor Presentation KCB On track with our FY 2023 guidance supported by improved performance in Q3. Asset yield impacted by NPL book with slow drop in cost of funds exacerbating the impact on NIMs. Growth of CASA deposits on the back of improved liquidity in the market to support further reduction in cost of funds and improvement in net interest margins. Outlook NFI Ratio 35%-37% 36.1% Cost/Income ratio 51.9% 52%-54% NPL ratio Cost of risk Cost of funds NIMS 6.3% Asset yield Loan growth Deposit growth Q3 23 Actual 2023 Projection ROE 56 For People. For Better. 14%-16% 16.4% 2.0%-2.4% 2.2% 3.0%-3.3% 3.4% 7.4%-7.6% 9.7% 10.4%-10.9% 10%-15% 38.1% 12%-18% 79.6% 17%-19% 19.9%

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