Investor Presentaiton

✓ DEPOSITS Customer Deposits KES Millions 300,000 250,000 200,000 150,000 100,000 50,000 0 191,585 194,222 217,444 242,345 Dec 2022 25 Key Takeouts Customer deposits grew by 12% year on year with core accounts accounting for 86% of total deposits 271,564 Dec 2021 Dec 2022 62% Current accounts 73,682 24% Savings accounts 3% Call accounts 9% Fixed Deposits 2% LC acceptance 3% Savings accounts 6% Fixed Deposits KES Millions 72,538 65,371 56,467 132,511 113,340 Dec 2022 Dec 2021 62% Current accounts 26% Savings accounts CIB-Corporate & Investment Banking BCC-Business & Commercial Clients CHNW-Consumer and High Net worth Clients 2% LC acceptance

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