Investor Presentaiton

Innovative digital financial services Q3 2023 Investor Presentation KCB Increased self-serve capabilities continue to drive efforts to simplify customer journeys through availing unmatched convenience for customers. Ʌ99% of transactions by number conducted through non branch channels helping us drive exceptional customer experience. Q3 22 Q3 23 NPS 56 62 CES 18% 13% Number of non-branch channel transactions in Q3 2023 (M) YoY Change 18 98 46 Mobile Lending 264% 117 Total: 807M Up 121% YoY 609 *Mobi service includes B2C, C2B, B2B, Lipa Karo and Float purchase 14 For People. For Better. Mobi Service* (10%) Agency 8% Merchant POS 51% Internet Banking 49% ■ ATMs 3%

View entire presentation