H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Contribution to the stock of non-performing loans is concentrated within a few sectors as legacy NPLs in tourism and transport sectors continue to decline. 34.0% Share of gross loans in personal and household sector. 25 For People. For Better. Sectoral contribution to Gross loans and NPL stock Mining and Quarrying Financial Services Energy and Water Agriculture Tourism, Restaurant and Hotels Transport and Communication Building and Construction Trade Manufacturing Real Estate Personal/Household 34.0% 0.6% 1.9% 1.6% 1.2% 3.2% 3.9% 3.4% 4.5% 3.8% 3.3% 7.2% 8.0% 8.5% 10.1% 9.9% 12.0% 13.6% 24.8% 14.1% 16.0% 14.2% Share of gross loans Share of NPL stock

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