H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation We availed more financing to households and businesses in key sectors of the economy such as transport & communication, trade and manufacturing in H1 2023. Ʌ30% Growth in gross loans. Organic and inorganic growth accounted for 20% and 10% increase respectively. 7.8% TMB's contribution to net loans and advances. 22 For People. For Better. Gross loans growth 806 133 41 1,048 68 28% LCY ■FCY 72% H122 Corporate Retail (Excl MSME) MSME H123 Amounts in KShs Billion

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