INVESTOR PRESENTATION

FY 2022 Performance

Nairobi, 16 March 2023

For People.

For Better.

FY 2022 Investor Presentation

Disclaimer

The information contained herein has been prepared by KCB Group Plc ("KCB"). This presentation has been prepared for information purposes only and is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basis of or be relied on in connection with any contract or commitment whatsoever.

Forward looking statements

Some of the information in this presentation may contain projections or other forward-looking statements regarding future events or the future financial performance of KCB. These forward-looking statements include all matters that are not historical facts. Although KCB believes that the expectations and opinions reflected in such forward-looking statements are reasonable, no assurance can be given that such expectations and opinions will prove to have been correct.

KCB or any other entity within the Group undertakes no obligation to publicly update or publicly revise any forward-looking statement, whether as a result of new information, future events or otherwise except to the extent legally required. Nothing in this document should be construed as a profit forecast.

Rounding differences

Please note that rounding differences may appear within the presentation.

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2 For People.

For Better.

Group

Overview

For People.

For Better.

FY 2022 Investor Presentation

Group Overview | Operating Environment | Financial Performance | Appendices

Our wide regional footprint enables us to facilitate seamless service, intra-regional trade and investment flows for our stakeholders.

4 For People.

For Better.

Customers

Branches

Employees

ATMs

Agents &

Merchants

Appendices

32.4M

603

11,098

1,270

28,834

FY 2022 Investor Presentation

Group Overview | Operating Environment | Financial Performance | Appendices

We create value supported by a clearly defined governance structure which provides for oversight, delegation and clear lines of authority.

Shareholders

Accountable to BOARD OF DIRECTORS

Accountable

to the Board

shareholders

11 Directors*

9 Non-executive and 2 Executive

Delegated

authority

Reporting to

the Board

Group

delegation of

GROUP CHIEF

authority

EXECUTIVE OFFICER

Board Committees

Executive

Committee

Audit and Risk

Human Resources

and Governance

Nomination

Strategy and IT

Oversight

General Management

Committee

Assets & Liabilities

Management Committee

Group Operational Risk & Compliance Committee

Management Credit

Risk Committee

5 For People.

For Better.

*One vacant NED position

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Disclaimer

KCB Group Ltd. published this content on 03 May 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 03 May 2023 16:55:03 UTC.