Investor Presentaiton

KCB OUR CHANNEL CONTRIBUTION 290% Growth in Total Mobile Loans Advanced 54.4B 2018 212.1B Value of Transactions: Mobi Service (KShs.B) No. of transactions (M) Mobile Revenue (KShs.M) 404 331 236 FY 17 FY 18 FY 19 Mobile Transaction type (%) 52.0 62.1 281.3 FY 17 FY 18 FY 19 FY 2018 FY 2019 2,261 3,175 9,873 FY 17 FY 18 FY 19 49.9 48.1 33.7 32.4 16.5 16.4 1.6 1.4 2019 B2C B2B C2B LIPA KARO 18

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