H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Market leading solutions and easily accessible channels continue to deepen product uptake enabling us to ringfence our market share. Ʌ99% of transactions by number conducted through non branch channels. Ʌ93% YoY increase in number of non-branch transactions to 523M driven by increased self-serve capabilities on digital channels. Number of non-branch channel transactions in H1 2023 (M) YoY Change 29 11 65 Mobile Lending 170% 82 Mobi Service* 1% Agency Total: 523M 390 *Mobi service includes B2C, C2B, B2B, Lipa Karo and Float purchase 11 For People. For Better. 4% Merchant POS 49% Internet Banking 56% ■ ATMs (3%)

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