Investor Presentaiton

Q3 2023 Investor Presentation KCB Growth in operating costs driven by exceptional cost items from the consolidation of TMB, provision for NBK court ruling and staff rationalization program. Growth in other operating costs driven by customer acquisition activities and investments in technology. 48 For People. For Better. 46% 2.7 0.6 0.3 44.0 41.6 6% 60.8 16.8 Q3 22 Depreciation Staff costs Other opex Q3 23 Normalized One off/execptional costs* Q3 23 Total opex *TMB impact, provision for NBK court ruling and staff rationalization program. Amounts in KShs Billion

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