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Investor Presentaiton

Q3 2023 Investor Presentation We delivered a strong sustainable growth in revenue from new business lines, deepening of digital channels and market leading customer value propositions. ^27% Increase in revenue driven by interest income from customer loans & government securities, NFI growth from trade finance & digital transactions and the impact of consolidation of TMB. Interest income From loans, 81.9 39% Interest expense Deposits, 27.8 56% Interest expense Deposits & Placements 11.0A 194% Other income, 6.1 17% Total income 117.3 Forex income, 8.2 (2%) Lending fees, 8.1 4% KCB 47 ^3x Increase in trade finance book to KShs 477 billion For People. For Better. Interest income Govt securities, 29.8 23% Service fees, 20.0 119% Amounts in KShs Billion
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