H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation YoY improvement in NPL ratio in KCB Kenya, NBK, South Sudan and Tanzania helped to reduce overall NPL ratio. NPL ratios per segment 3.3% Checkoff NPL ratios per subsidiary 11.1% TH122 FY 22 H123 32.4% 20.1% SME & Micro Mortgage Corporate 24.5% 19.6% 10.8% 7.9% 7.1% 4.6% H122 H123 2.8% 1.8% NBK KCB Bank Kenya TMB BPR Bank KCB Bank Uganda KCB Bank South Sudan KCB Bank KCB Bank Burundi Tanzania 26 For People. For Better.

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