Investor Presentaiton

Q3 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. KCB 32.0% Share of gross loans in personal and household sector. 40 For People. For Better. Sectoral contribution to Gross loans and NPL stock Financial Services Mining and Quarrying Energy and Water Agriculture Tourism, Restaurant and Hotels Transport and Communication Building and Construction Trade Real Estate Manufacturing Personal/Household 32.0% 1.7% 1.3% 1.7% 0.4% 3.4% 3.9% 3.4% 3.8% 3.5% 2.6% 7.2% 8.0% 9.1% 9.9% 9.3% 10.0% 13.3% 16.7% 15.3% 24.9% 18.6% Share of gross loans Share of NPL stock

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