Investor Presentaiton

Q3 2023 Investor Presentation We continue to take prudent measures on the non-performing loan book aimed at building and maintaining adequate coverage both from provisions and securities held. The non-performing loan book has full coverage from cash provisions and collateral held. 41 For People. For Better. Coverage ratios IFRS Coverage Regulatory Coverage 116.6% 106.1% 104.5% 102.2% 39.3% 68.1% 39.5% 59.9% 65.0% 62.9% 46.2% 48.5% Q3 22 Q3 23 ■Provisions Q3 22 Additional cover provided by collateral Q3 23 KCB

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