Investor Presentaiton

Q3 2023 Investor Presentation 33% quarter on quarter increase in net earnings in KCB Bank Kenya driven by strong growth in revenue and an easing of cost of funds. Strong performance in the third quarter helped to reduce the year-on- year drop to 9% in Q3 from 16% in half year. KCB Bank Kenya quarterly net earnings 2% 9.8 10.0 (9%) 8.3 (23%) 8.2 7.5 6.4 53 For People. For Better. Q1 Q2 Q3 ■2022 2023 KCB Amounts in KShs Billion

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