FY 2022 Investor Presentation

FY 2022 Investor Presentation Group Overview | Operating Environment | Financial Performance | Appendices We posted a strong growth in gross loans across all segments of the business driven by increased lending to support recovery in economic activities Ʌ25.4% Growth in gross customer loans driven by improved lending in personal, building & construction and manufacturing sectors. Organic and inorganic growth accounted for 16.7% and 8.7% increase in gross loans respectively Gross loans growth 745 107 82 934 19% ■LCY ■FCY 81% Dec-21 Retail Corporate Dec-22 19 For People. For Better. Closer. Connected. Courageous. Amounts in KShs Billion KCB

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