H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Value of transactions across our channels grew by 32% to KShs 5.7 trillion, showcasing KCB's position both as an enabler and beneficiary of recovery in business activity. ^62% of transactions by value conducted through non branch channels Ʌ20% YoY growth in value of branch transactions to KShs 2.2 trillion 12 For People. For Better. Value transacted through digital channels in H1 2023 (KShs B) YoY Change 311 937 196 82 82 Total: 3,493B YoY growth of 41% 1,812 *Mobi service includes B2C, C2B, B2B, Lipa Karo and Float purchase Mobi Service* 42% Internet Banking 53% Agency 10% ■ ATMs 11% Merchant POS 94%

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