Investor Presentaiton

KCB Group Actual Actual Y-O-Y KShs Billion 2018 2019 Change KCB Bank Kenya Actual Actual Y-O-Y 2018 2019 Change Strong Balance Sheet Cash and balances with 42.0 60.8 45% 39.1 42.2 8% central bank Balances with other KShs 79.5B growth in net loans 40.1 48.2 20% 16.6 19.7 18% institutions Investments in Government 120.1 169.2 41% & Other securities Net loans and advances 455.9 Fixed assets 14.1 Other assets Total Assets 535.4 17% 26.6 89% 42.1 58.4 39% 714.3 898.6 26% 103.0 118.4 15% 417.2 447.2 7% 10.1 15.1 50% 35.7 31.8 (11%) 621.7 674.3 8% Customer deposits 537.5 Balances due to other banks 20.1 686.6 28% 20.4 1% 475.4 528.1 11.2 8.7 11% (22%) Other liabilities 20.6 40.4 96% 18.4 26.4 43% Long-term debt Total Liabilities Shareholders' equity Total liabilities and equity 714.3 22.4 600.6 768.8 28% 113.7 129.7 14% 898.6 26% 21.5 (4%) 18.9 18.5 (2%) 523.9 581.7 11% 97.8 92.6 (5%) 621.7 674.3 8% KCB 31

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