Investor Presentaiton

Q3 2023 Investor Presentation KCB Decline in net interest margin due to increased cost of funds as a result of the high-interest-rate environment. Rollout of risk-based pricing to support appropriate funding/lending spread. 46 Loans and government securities Yields vs cost of funds Interest rates trend 10.0% Assets yield Sep 22 Dec 22 Sep 23 9.6% 371 SOFR 1.5% 3.0% 5.2% Kenya Interbank 5.6% 6.5% 12.4% 277 7.0% NIMS 6.3% 91 day T-Bills Kenya 8.9% 9.4% 14.5% 1,048 759 Burundi 3.5% 3.5% 5.5% 3.4% 3.0% COF Rwanda 6.9% 7.3% 8.2% Tanzania 3.0% 3.6% 6.0% Q3 22 Q3 23 Uganda 10.4% 10.5% 10.0% Government securities Q3 22 Q3 23 Loans and advances Amounts in KShs Billion For People. For Better.

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