Investor Presentaiton

Q3 2023 Investor Presentation Sustained drop in NPL ratio driven by improvement in tourism and transport sectors. NPL stock increase due to downgrades in the period and FX impact. Group NPL stock evolution 149.3 161.2 187.0 Group YoY NPL evolution 21 44 15 187 20 18.2% 17.3% 16.4% 10 149 KCB Q3 22 FY 22 Q3 23 Q3 22 TMB Impact FX Downgrade Recoveries Write off Q3 23 INPL ratio Gross NPL (KShs B) Amounts in KShs Billion 38 For People. For Better.

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