FY 2022 Investor Presentation

FY 2022 Investor Presentation Group Overview | Operating Environment | Financial Performance | Appendices NPL ratio improved by 420 bps in H2 of 2022 as a result of concerted effort to bring down the size of the nonperforming book especially in the KCB Bank Kenya and NBK businesses Significant reduction in NPL stock and ratio Non-performing loans evolution driven by building & construction, real estate and manufacturing sectors 173.4 161.2 122.9 20 For People. For Better. Closer. Connected. Courageous. 21.5% 17.3% 16.5% FY 21 H1 22 NPL ratio FY 22 Gross NPL (KShs B) KCB

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