H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation 12% increase in PBT from regional businesses helped to reduce the impact of drop in performance in Kenya resulting in Group PBT easing down by 20% to KShs 22.5 billion. Ʌ23.8% PBT contribution from subsidiaries outside of KCB Bank Kenya in H1 23, up from 16.9% in H1 22. Loss of KShs 3.8 billion in NBK at H1 2023 due to legal award and increased cost of borrowings and provisions. 31 For People. For Better. PBT contribution per subsidiary 19,176 9,025 YoY Change KCB Kenya (20%) 1,435 TMB N/A 1,859 BPR 28% 751 KCB Tanzania 98% 740 KCB S Sudan 76% 476 3,331 433 KCB Uganda 150% KCBBIL* 15% Amounts in KShs million Numbers include the holding company balances which are consolidated as part of the overall Group position KCB Burundi 36% * KCB Bancassurance Intermediary Limited

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