H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Strong loan growth to deliver improvement in asset yield as innovative products continue to support increase in non funded income. Growth of CASA deposits on the back of improved liquidity in the market to support reduction in cost of funds and improvement in net interest margins. NFI Ratio Cost/Income ratio NPL ratio Cost of risk Cost of funds Revised Outlook 35%-37% 37.7% 52%-54% 55.3% 14%-16% 17.4% 2.0%-2.4% 2.2% 3.0%-3.3% 3.5% NIMS 6.1% 7.4%-7.6% Asset yield 9.6% 10.4%-10.9% Loan growth 10%-15% 32.0% Deposit growth 12%-18% 62.0% H1 23 Actual 2023 Revised Projection ROE 15.9% 17%-19% 34 For People. For Better.

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