Investor Presentaiton

Q3 2023 Investor Presentation High return on equity across subsidiaries with the Group ROE improving to 19.9% from 15.9% in H1 2023 on improved profitability. KCB Banking subsidiaries 43.8% 19.9% 21.5% 54 31.4% 29.6% 21.2% 21.4% 20.1% 18.7% Non- banking subsidiaries 70.4% 68.3% 22.7% 16.4% 15.1% 26.3% 22.5% 15.9% 8.8% 63.4% KCB S Sudan TMB KCB Tanzania KCB Uganda KCB Kenya KCB Burundi BPR (30.2%) NBK KAM KCBBIL KCBIB Q3 22 Q3 23 For People. For Better. TMB Acquired in December 2022. KAM (KCB Asset Management) and KCBIB (KCB Investment Bank) re-positioned in 2023. KCBBIL - KCB Bancassurance Intermediary Limited.

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