Investor Presentaiton

Innovative digital financial services Q3 2023 Investor Presentation KCB Our market leading solutions and easily accessible channels continue to deepen product uptake leading to a growth in revenue from digital channels. Total NFI from digital channels KShs 9,879 M YoY growth of 67% 17 For People. For Better. Digital channels non funded income in Q3 2023 (KShs M) Mobile banking Agency and Merchant POS 2,020 Internet Banking 561 YoY Change 7,066 76% 50% 67% ATMs 232 2%

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