Investor Presentaiton

Q3 2023 Investor Presentation Significant momentum in balance sheet growth across all subsidiaries led by KCB Bank Kenya, Tanzania and Uganda. KCB 33.4% Proportion of assets in subsidiaries outside of KCB Bank Kenya, up from 26.4% in Q3 2022 13.3% TMB's contribution to total assets. 35 For People. For Better. Total assets distribution KCB Kenya 1,407 Non-KCBK 700 280 YoY Change ■KCB Kenya 50% 33%* 151 TMB 98 NBK 8% 80 BPR 13% KCB Tanzania 48% 51 KCB Uganda 70% 24 16 KCB S Sudan 21% KCB Burundi 20% *YTD growth Amounts in KShs Billion

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