Investor Presentaiton

KCB OVERVIEW OF KEY FINANCIAL RATIOS FY 18 HY 19 Q319 KENYA GROUP 21.9% 23.5% 21.8% Return on Average Equity 24.9% 20.7% 48.3% 45.7% 44.7% Cost to Income 42.1% 45.9% 6.9% 7.8% 8.3% Gross NPL to Gross Loans 7.3% 10.9% 72.4% 60.8% 56.0% NPL Coverage 90.8% 72.1% 19.7% 19.1% 18.3% Debt to Equity 19.9% 16.6% 32.0% 34.1% 35.2% Non funded income to total income 32.5% 33.4% 3.2% 2.8% 2.8% Cost of funds 2.8% 2.8% 8.1% 8.3% 7.9% Net Interest Margin 8.1% 8.1% 0.7% 1.3% 1.7% Cost of risk 1.9% 1.8% 84.8% 89.2% 87.0% Loan to Deposit Ratio 89.9% 84.6% 8.0% 14.0% 11.7% Growth of Net Loans and Advances 7.2% 17.4% 8.0% 7.0% 11.4% Growth of Customer Deposits 11.1% 27.7% 33 33

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