Investor Presentaiton

KCB 2019 HIGHLIGHTS M&As Acquisition of NBK INTEREST RATE CAP BANKING CHARTER DEMONETIZATION KCB completed the takeover of National Bank of Kenya Sustained interest in the sector with the multiple announcements of mergers and acquisitions. Renewed focus on the sector following the repeal of the rate caps that limited the maximum lending rates to 400bps above CBR. Guidelines on the adoption of customer-centric business models by banks, risk-based credit pricing, enhanced transparency & information. disclosure and entrenching an ethical culture within banks.. CBK concluded the withdrawal of the older 1,000 shillings banknotes and introduced new notes. LO 5

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