H1 2023 Investor Presentation

KCB H1 2023 Investor Presentation Growth in operating costs driven by exceptional cost items from the consolidation of TMB, provision for NBK court ruling and staff rationalization program. Increase in depreciation driven by amortization of separately acquired intangible assets from TMB and BPR. 27.3 Growth in other operating costs driven by customer acquisition activities and investments in technology. 11.2 30 For People. For Better. 40.4 48% 2.0 1% 14.1 H122 12.8 One off/exceptional costs* Other opex 11.4 Depreciation 14.7 H123 Staff costs *TMB impact, provision for NBK court ruling and staff rationalization program. Amounts in KShs Billion

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