Investor Presentaiton

KCB December 2018 OUR CHANNEL CONTRIBUTION MOBILE 45% AGENCY, INTERNET AND POS 32% BRANCH TELLER 12% 97% of transactions performed outside the branch December 2019 MOBILE 78% ATMS 11% AGENCY, INTERNET AND POS BRANCH TELLER ATMS 4% 15% 3% 126% growth in non-branch revenue to over KShs 12B 23% decrease in average transactions /tellerper day Dec 2018 23% decrease in Number of branch transactions. 71.5 Dec 2018 16.2 Dec 2019 55.2 Dec 2019 12.5 Avg. Transactions/Teller perday Number of Branch Transactions (M) 17

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