H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Customer deposits increased to KShs 1.5 trillion, driven by organic growth in demand and term deposits in the existing businesses and the consolidation of TMB. Ʌ61.9% Increase in customer deposits, 36% from organic growth and 26% from the consolidation of TMB. 16.2% Contribution to total customer deposits from TMB 28 For People. For Better. Growth in customer deposits (KShs B) 25 3 124 411 1,472 Deposits by type H123 68% 5% 22% 909 5% ■Demand Savings Term Call H122 Demand Term Savings Call H123 H122 Deposits mix Retail, 49% Corporate, 51% LCY, 68% FCY, 32% 65% 6% 22% 7%

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