H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Tough macroeconomic factors slow NPL recovery measures in manufacturing and trade sectors as improvement is noted in tourism, building & construction and transport sectors. Aging of NPLs in KCB Bank Kenya Group NPL stock evolution 173.4 161.2 182.0 13.3% 2.3% Group YoY NPL evolution 32 34 21.5% 8 2.7% 9 17.3% 17.4% 173 19.6% KCBK NPL ratio 1.3% 10 182 Below 6 Below 12 Months Below 24 24+ H122 FY 22 H123 NPL ratio Gross NPL (KShs B) H122 TMB Impact FX Downgrade Recoveries Write off H123 Amounts in KShs Billion 23 For People. For Better.

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