H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Our widely accessible mobile financing solutions augment our efforts to support households and small businesses to bounce back stronger. Λ Ʌ 91% Growth in value of mobile loans disbursed driven by Fuliza, KCB Mobi loan and introduction of new mobile lending products for small businesses. 13 For People. For Better. Value of mobile loans disbursed in H1 2023 (KShs B) Fuliza personal 107% YoY growth 98.2 21.3 16.1 KCB MPESA 7% YoY decline 12.5 6.2 KCB mobi loan 60% YoY growth Total value of mobile loans 154.3 Business loans Digital overdraft and retailer financing. Fuliza business Introduced in 2023

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