Investor Presentaiton

Q3 2023 Investor Presentation Our strong growth in pre-provision operating profits support our resolve to build loan loss cash provisions without impacting shareholder value. 118% Increase in provisions charge in 2023 to build up coverage for downgraded facilities and offset impact of currency depreciation for USD denominated loans in Kenya 12% Loan loss provision expense (KShs B) Earnings per share (KShs) 12.75 15.8 12.64 118% 5.6 7.3 6.1 3.0 Growth in pre-provision 2.2 operating profit to KShs 56B 4.1 2.1 2022 2023 Q3 22 Q3 23 49 For People. For Better. Q1 Q2 Q3 KCB

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