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H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation 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. 27 Loans and government securities 285 362 965 730 H1 22 H1 23 Government securities Loans and advances For People. For Better. Yields vs cost of funds Interest rates trend 10.0% Assets yield 9.6% Jun 22 Dec 22 Jun 23 SOFR 1.5% 4.3% 5.1% Kenya Interbank 5.3% 6.5% 10.2% 7.0% NIMS 6.1% 91 day T-Bills Kenya 8.1% 9.4% 11.9% Burundi 4.0% 3.5% 4.3% 3.5% 3.0% COF Rwanda Tanzania 6.2% 7.3% 9.1% 2.8% 3.6% 4.6% Uganda 7.8% 10.5% 9.3% H1 22 H1 23 Amounts in KShs Billion

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