Investor Presentaiton

Q3 2023 Investor Presentation The drop in capital ratios has not impacted lending in KCB Bank Kenya as the buffers remained more than adequate to sustain our growth trajectory. Our risk management framework ensures that we always match our appetite to our capital both on an ongoing basis and under stress scenarios. 44 For People. For Better. Quarterly growth of core capital vs risk weighted assets in KCB Bank Kenya 109 a 96 92 1,035 86 22 913 101 94 964 896 879 938 819 848 834 792 760 725 Q2 22 Q3 22 FY 22 Risk weighted assets Q1 23 Q2 23 Q3 23 Max risk weighted assets --KCB Kenya core capital KCB Amounts in KShs Billion

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