Q3 2019 INVESTOR PRESENTATION WHO WE ARE WHAT DRIVES US HOW WE ACHIEVE IT OUR STRATEGY Our Purpose Simplified customer Customer perspective journey Simplifying Market share your world to Shared value enable your Brand position Digital first and fast progress Financial Profit before tax Optimize balance Efficiency sheet and drive asset 2015-2019 STRATEGY: Shareholder value quality Our Promise TRANSFORMATIVE Internal Business Maximize on regional Go Ahead PARTNERSHIPS processes businesses System reliability Sustainability Operational efficiency Control environment Our Values Learning and growth Inspiring Staff productivity Sustainability Simple Staff development agenda Friendly Culture change

2 CUSTOMERS 21.2 MILLION OUR REGIONAL 258 BRANCHES PRESENCE 973 ATMS, 20,561 AGENTS & MERCHANTS

Banking Businesses: STAFF •KCB Bank Kenya 6,195 FTE •KCB Bank Tanzania •KCB Bank South Sudan

•KCB Bank Rwanda KCB BANK KENYA •KCB Bank Uganda (ETHIOPIA REPRESENTATIVE •KCB Bank Burundi KCB BANK OFFICE ) SOUTH •Ethiopia Rep. Office SUDAN

Other Investments: KCB BANK KCB BANK KENYA UGANDA • KCB Capital Limited KCB INSURANCE AGENCY KCB FOUNDATION • KCB Insurance Agency KCB CAPITAL KCB BANK • KCB Foundation RWANDA • Kencom House Limited

KCB BANK KCB BANK BURUNDI TANZANIA 3 OUR FOOTPRINT Branches 11 Ethiopia South ATMs 3 Sudan Staff 123 (Representative Office Agents 25 with 1 staff) Touch Points: Branches 15 Uganda ATMs 18 Staff 328 Branches 201 Agents 450 Kenya ATMs 371 Branches 14 Staff 5,065 Agents 12,213 Rwanda ATMs 25 Staff 260 Agents 324 Branches 14 Tanzania ATMs 16 Branches 5 Staff 291 Burundi ATMs 7 Agents 125 Staff 127 Agents 185

4 REGIONAL Total KShs. 104.8 Bn MARKET LEADER Equity KShs. 121.2 Bn

Q3 2018 NO. 1 Q3 2019 Net Loans Total BANK and Assets IN THE Advances KShs. 435.3 Bn KShs. 684.2 Bn REGION KShs. 764.3 Bn KShs. 486.4 Bn

KShs. 526.8 Bn Customer KShs. 586.7 Bn Deposits

5 STABLE CREDIT RATINGS RATING AGENCY SOVEREIGN KCB BANK KENYA

Ratings confirmed in August and September 2019 B2 (Stable) B2 (Stable)

B+/B B+/B

No deviation in rating from 2018

6 MACRO ECONOMIC HIGHLIGHTS MACRO ECONOMIC HIGHLIGHTS Contribution to GDP Q219 (%) Q219 Growth (%)

Kenya 23.1 11.6

9.7 8.2 7.1 7.2 7.2 5.6% 6.7 5.8 6.0 5.7 5.4 5.5 5.2 6.9 5.9 4.1 4.2 6.8 3.6 1.8 0.9

AGRICULTURE MANUFACTURING REAL TRADE EDUCATION TRANSPORT & FINANCIAL & CONSTRUCTION ICT HEALTH MINING& ESTATE STORAGE INSURANCE QUARRYING Q2 19 GDP Growth Rate (%)

*Source: Kenya National Bureau of Statistics 8 MACRO ECONOMIC HIGHLIGHTS GDP Growth 2019 Projected (%)

Regional GDP Growth 7.8 7.7 6.6 5.5 6.2 2.3 South Sudan

Ethiopia Rwanda Tanzania Uganda Burundi

2018 East Africa -2.6 GDP Growth Rate(%)

*Source: AfDB, Africa Economic Outlook Source: AfDB, WEO 2019,WB 9 2019 Inflation Evolution (%) 7.5 6.27 MACRO ECONOMIC 5.70 5.58 5.49 HIGHLIGHTS 4.70 4.35 3.83

2.5

Sep-18 Nov-18 Jan-19 Mar-19 May-19 Jul-19 Sep-19 Upper Limit Inflation Lower Limit

Interest Rate Evolution (%)

12.7 12.61 12.47 12.47

9.0

7.63 7.56 7.36 7.34 7.39 7.19 7.02 7.08 7.17 6.90 6.62 6.44 6.35

Sep-18 Oct-18 Nov-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19

91 day T-Bill Avg Lending Rate CBK Rate 10 USD/KES Exchange Rate

103.8 MACRO ECONOMIC 103.2 103.3 102.6 HIGHLIGHTS 102.3 101.8 101.6 101.7 101.1 101.1 101.2 100.2 100.4 Stable Currencies

across the region SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP 2018 2018 2018 2018 2019 2019 2019 2019 2019 2019 2019 2019 2019

Exchange Rates to USD 3,765 3,684 2,289 2,261 1,863 1,783 910 864 221 160 27 28

Uganda Tanzania Burundi Rwanda South Ethiopia Sudan 11 Q3 18 Q3 19 CURRENT ACCOUNT BALANCE (% OF GDP) MACRO ECONOMIC HIGHLIGHTS

-4.2 -4.5 -4.8 -5.0 -5.5  Tourist arrivals remained -6.7 -6.2 strong. Maintained peaks seen in 2018. Good for the hotel industry and Foreign -10.5 exchange source. 2014 2015 2016 2017 July 2018 2018 July 2019 2019 Projected  Average forward hotel Imports grew at a slower pace in the 12 months to July 2019 mainly bookings for September to due to lower imports of food and SGR equipment. December 2019 were 4,432 higher relative to a similar 3,421 period in 2018 2,927 1,631

1,187 IMPORTS ($M) ($M) IMPORTS

Machinery and Manufactured Others TOP TOP Petroleum Food equipment goods 12 12 Month Private Sector Credit Growth 6.1 6.3 5.2 MACRO ECONOMIC 4.3 4.4 4.3 HIGHLIGHTS 2.4

Kenya

Aug-18 Oct-18 Dec-18 Mar-19 Jun-19 Jul-19 Aug-19

MPC Market Perception Aug-18 Oct-18 Dec-18 Mar-19 Jun-19 Jul-19 Aug-19 Survey conducted in Overall Private Sector Credit 4.3 4.4 2.4 4.3 5.2 6.1 6.3 September 2019 showed Consumer durables 11.5 7.6 11.0 13.9 21.3 23.6 23.0 2.7 5.1 6.8 8.0 7.6 7.1 8.6 increased optimism on Private households Trade 6.9 4.0 2.9 8.7 5.5 8.0 8.4 the economic growth Manufacturing 13.2 14.8 6.5 7.2 11.4 10.3 7.5 prospects Agriculture -4.3 -5.6 -2.0 0.2 3.9 7.6 6.6 Finance and Insurance 3.5 9.1 17.5 10.2 4.7 5.3 6.3 Consumer durables Transport and Communication -11.0 -7.7 -9.4 5.7 5.8 6.4 5.8 0.9 1.2 -0.5 -0.1 1.0 0.5 2.4 leading by far the main Real estate Business services 6.5 12.1 8.0 -0.4 -3.2 1.6 1.0 drivers for credit growth Building and Construction 14.7 7.1 1.8 -7.0 -6.3 -5.4 -6.0 Mining and quarrying -9.1 -11.6 -10.7 -11.4 -4.3 -13.5 -10.8 Other activities -4.6 -12.4 -34.8 -31.7 -22.6 -17.2 -14.4

13 MACRO ECONOMIC Diaspora Remittances (USD Millions) HIGHLIGHTS 350

295.32 300 266.19

250 224.49 8% 215.27 215.56 214.31 214.7 200 166.41 154.88 152.31 Cumulative inflows 150 in the 12-months to

September 100

2019: $ 2,786M 50 2018: $ 2,579M

0 June July August June July August June July August Sept 2017 2018 2019

14 YEAR TO DATE OVERVIEW • Renewed focus on the sector following the repeal of the interest rate cap. 2019 KENYA HIGHLIGHTS The target is to only marginally increase lending rates by not more than 300bps thus including customers previously cut from the lending universe.

The Banking Sector • The Central bank concluded the withdrawal of the older 1,000 shillings banknotes and introduced new notes. After the demonetization exercise, which had little impact on inflation or the exchange rate, KShs. 7.4 billion, or 3% of the total value in circulation of 1,000 notes, was rendered worthless.

16 • KCB completed the take-over of National Bank of Kenya Limited (details on slide 41) 2019 KENYA HIGHLIGHTS • The merger of CBA Limited and NIC Group PLC to form NCBA, was effective as of 30th September 2019, following attainment of all The Banking Sector regulatory approvals.

17 AGRIBUSINESS

KCB 2JIAJIRI BUILDING AND 14,244 PROGRAMME CONSTRUCTION BEAUTY AND 5,725 HIGHLIGHTS AUTOMOTIVE PERSONAL CARE ENGINEERING 2,542 DOMESTIC 1,579 SERVICES 1,249 FUTURE OF 2JIAJIRI

Catalyze job and wealth creation for at least 2,000,000 youth engaged in the informal 27,139 sector within Eastern Africa BENEFICIARIES TO DATE 5-year investment of over Kenya 25,339 KShs 50 billion Tanzania to nurture and grow youthful and SME entrepreneurs Male : Female Ratio 1,500 Rwanda 300 ‘Young Africa Works’ 54:46 KShs 10 billion funding from the MasterCard Foundation to scale up the bank’s 2jiajiri job creation programme 18 Innovative Agri Entrepreneurs: Greenlife Veggies – Simon Muriithi and friends KCB FOUNDATION CASE STUDIES • Armed with skills from 2jiajiri agribusiness training, they established a lettuce growing business that inculcated the hydroponics farming technology. • Signed a five-year sub-award contract with an aggregator and off-taker.

From dilapidated structure to modern salon – Irene Wangari

• Irene trained in hairdressing and beauty at Nyeri National Polytechnic under 2jiajiri. • Funding from KCB Foundation moved her from deplorable premises with obsolete equipment and revamped her business at Skuta area in Nyeri that currently earns her over KShs 40,000 monthly profit.

19 Mainstreaming our 8 Adopted SDG’s

•182 Business Bankers, Relationship SUSTAINABILITY Managers and Credit Analysts UPDATE trained on Environmental, Social Risk screening and Assessment.

•90.5% of business units have identified key performance indicators for tracking and monitoring of the 8 SDG’s.

UNEP FI – 6 Principles for RESPONSIBLE BANKING: Launched on 23 Sept. 2019 in New York

Impact & Clients & Alignment Target Setting Customers

Transparency Governance Stakeholders & & Culture Accountability 20 EUROMONEY AWARDS FOR EXCELLENCE 2019 •East Africa’s Best Bank for SMEs Q3 2019 GROUP AWARDS •Kenya's Best Bank GLOBAL FINANCE AWARDS 2019 •Best Bank in Kenya BRAND AFRICA AWARDS 2019 •Most Admired Financial Services Brand AFRICAN BANKER AWARDS 2019 •Best Regional Bank in East Africa •Innovation in Banking GLOBAL BUSINESS OUTLOOK 2019 •Best Digital Transformation in Online Banking •Best CSR Initiative – 2jiajiri GLOBAL BANKING AND FINANCE AWARDS 2019 •Best Corporate Governance Bank in Kenya •Best Customer Service Bank in Kenya THE BANKER MAGAZINE – TOP 1000 BANK RANKINGS • 717th Globally • 21st Africa (Highest mover Africa)

21 CHANNELS PERFORMANCE September 2018

AGENCY, BRANCH OUR CHANNEL MOBILE INTERNET TELLER ATMS 42% AND POS 13% 12% CONTRIBUTION 33%

95% of September 2019 transactions performed AGENCY, INTERNET BRANCH ATMS MOBILE TELLER outside the AND POS 75% 5% 5% branch 15%

141% growth 18% decrease in average 18% decrease in Number of transactions / teller per day branch teller transactions (M) in non-branch revenue to over Sep 2018 73.6 Sep 2018 12.5

8.6B Sep 2019 60.0 Sep 2019 10.2

Avg. Transactions / Teller per day Number of Branch Teller Transactions

23 Value of Mobile Transactions No. of Mobile transactions Mobile Revenue (KShs.B) (M) (KShs.M) OUR CHANNEL CONTRIBUTION 454 6,949 149.2 272 259 2,051 420% 37.8 40.9 Growth in total Mobile Loans Q3 19 Q3 18 Q3 19 Q3 17 Q3 18 Q3 19 Q3 18 Q3 19 Advanced

MobileTransaction type(%) Q3 2018 Q3 2019

159.3B 49.9 48.0 33.6 31.8 16.5 16.5 30.6B 1.7 2.0

Q3 18 Q3 19 B2C B2B C2B LIPA KARO 24 Value of Transactions No. of transactions Agent revenue (KShs. B) (M) (KShs M) OUR CHANNEL 653 CONTRIBUTION 217 153 405 24.2 88 20.9 356 AGENCY 16.8

Q3 17 Q3 18 Q3 19 Q3 17 Q3 18 Q3 19 Q3 17 Q3 18 Q3 19 Agency Transaction type (%) 42% Q3 2018 Q3 2019 Growth in 55.6 Agency 37.2 Banking 29.5 16.8 16.7 Volumes 14.7 14.8 10.9 1.7 1.3 0.7 9 0.1

CASH BALANCE SCHOOL CASH BILL OTHERS DEPOSIT ENQUIRY FEES WITHDRAWAL PAYMENT

25 *Others: Account opening, mini statement, load cards and Funds transfer Value of Transactions No. of transactions ATM revenue OUR CHANNEL (KShs. B) (M) (KShs M) CONTRIBUTION

ATM 361 117 359 4% 112 328 Decrease in ATM Volumes 11.5 86 11.1 10.4

Q3 17 Q3 18 Q3 19 Q3 17 Q3 18 Q3 19 Q3 17 Q3 18 Q3 19

26 OUR CHANNEL Value of Transactions (KShs. B) POS Revenue (KShs. M) CONTRIBUTION

37 MERCHANT/POS 33 702 11% 32 643 611 reduction in the average value of Merchant/ POS transactions

Q3 17 Q3 18 Q3 19 Q3 17 Q3 18 Q3 19

27 PERFORMANCE TO DATE Govt. Securities BALANCE SHEET HIGHLIGHTS KShs 119.5B KShs 128.5B

12% growth Net Loans & Advances in Total Assets KShs 435.3B KShs 486.4B

Customer Deposits KShs 526.8B KShs 586.7B

Total Assets

KShs 684.2B KShs 764.3B

29 Q318 Q319 Sectoral Loans Comparison Industry* KCB Sep 19 LOAN BOOK 0.5% 0.1% Mining and Quarrying 3.6% 2.6% Agriculture PERFORMANCE 4.4% 2.8% Energy and water 2.9% 4.3% Tourism, restaurants and hotels 6.8% 4.6% Transport and communication 11% growth 3.6% 4.9% Financial services in Gross 18.8% 6.8% Trade Loans & 4.7% 6.9% Building and construction Advances 13.0% 12.1% Manufacturing 15.1% 17.9% Real estate 26.6% 37.0% Personal/Household *CBK Data as at Dec 2018

* Group gross loans KShs.B 23 3 513 24 20% LCY FCY 463 80%

30 Sep-18 Corporate Retail Mortgage Sep-19 Asset Quality Review 12.7% 12.6% 10.7% LOAN BOOK 9.1% 19% 6.8% 8.0% 8.3% 81% 8.3% 7.5% PERFORMANCE 6.9%

1.4% 1.3% 1.0% 0.6% 1.7%

Q3 15 Q3 16 Q3 17 Q3 18 Q3 19 LCY FCY Industry NPL (Kenya) CoR NPL Group

NPL Breakdown 15.6% 14.3% 14.1%14.7% 13.0%

10.6% 10.5% 10.4% 9.5% 9.4% 9.6% 9.5% 8.5% 7.5%7.9%

3.3%3.4%3.9% 2.4% 2.8%

CHECK OFF MORTGAGE CORPORATE SME & MICRO Q3 2018 FY 2018 Q1 2019 HY 2019 Q3 2019

31 Group Coverage Ratio

LOAN BOOK 50,000 100.0% PERFORMANCE 85.6% 80.0% 40,000 76.0% 42,583 80.0% 34,780 34,731 66.1% 30,000 60.0% 31,097 64.2% 58.9% 56.0% 24,548 20,000 47.9% 41.5% 40.0% 38.9%

10,000 20.0%

- 0.0% Q3 15 Q3 16 Q3 17 Q3 18 Q3 19

Gross NPL CBK Coverage Ratio IFRS Coverage Ratio

32 3% 2% 3% 3% BALANCED 46% 49% 49% 47% DEPOSIT MIX

51% 48% 49% 50%

Q3 18 2018 HY 2019 Q3 19

Corporate Retail Other

Currency Mix Deposits by type Q318 Deposits by type Q319

8% 7% 15%

26% 25% 61% 85 63% % 5% 5% LCY FCY 33 Demand Savings Term Call Core Capital to RWA Total Capital to RWA Group Group 18.1% 18.1% 19.5% 16.3% 17.8% 19.5% STRONG CAPITAL

BUFFERS 14.5% 14.5% 14.5% 10.5% 10.5% 10.5%

Q3 18 FY 18 Q3 19 Q3 18 FY 18 Q3 19 Min. Core/RWA Core Capital /RWA Min. Total/RWA Total Capital/RWA

Kenya Kenya 17.8% 17.8% 15.0% 16.4% 16.5% 16.5%

14.5% 14.5% 14.5%

10.5% 10.5% 10.5%

Q3 18 FY 18 Q3 19 Q3 18 FY 18 Q3 19 34 Net interest income P&L HIGHLIGHTS KShs 36.3B KShs 38.7B

Total non Interest Income Profit before tax KShs 17.9B Up 6.1% KShs 20.9B

Operating Expenses

6.2% Net KShs (26.8B) KShs (26.6B) earnings growth to Profit before tax KShs 19.2B KShs 25.6B KShs 27.2B

35 Q318 Q319 Q3 19 Investment in Q3 19 Q3 19 Net Loans Customer 586,715 Government 128,459 486,423 and Advances Deposits Securities Q3 18 Q3 18 Q3 18 Q3 2019 (KShs. Million) (KShs. Million) PERFORMANCE (KShs. Million) 119,529 435,281 526,844 SUMMARY

Q3 19 Q3 19 Q3 19 Profit Total 764,335 13,575 27,339 Assets Staff costs Before Tax Q3 18 (KShs. Million) Q3 18 (KShs. Million) Q318 (KShs. Million) 684,165 12,783 25,608

Q3 19 Q3 19 Q3 19 Market Non-Performing 42,583 Return 3.5% 128,772 Loans Capitalization on Assets Q3 18 Q3 18 (KShs. Million) Q3 18 (KShs. Million) 34,780 3.6% 124,173

36 KCB Group KCB Bank Kenya Actual Actual Y-O-Y Actual Actual Y-O-Y KShs Billion Q3 18 Q3 19 Change Q3 18 Q3 19 Change

STRONG BALANCE Cash and balances with central 39.7 54.3 37% 36.8 49.6 35% SHEET GROWTH bank Balances with other institutions 39.5 42.5 8% 13.5 19.8 46% Investments in Government & 119.7 128.5 7% 102.3 114.6 12% Other securities Driven by KShs Net loans and advances 435.3 486.4 12% 398.4 442.0 11% Fixed assets 10.6 17.0 61% 7.6 12.2 61% 51.1B growth in Other assets 39.4 35.5 (10%) 35.4 29.5 (17%) net loans and Total Assets 684.2 764.3 12% 594.0 667.7 12% advances Customer deposits 526.8 586.7 11% 472.0 522.1 11% Balances due to other banks 12.6 13.5 7% 3.2 5.1 58% Other liabilities 18.5 20.8 12% 15.1 17.7 17% Long-term debt 20.7 22.1 7% 17.1 18.9 11% Total Liabilities 578.7 643.1 11% 507.5 563.9 11% Shareholders’ equity 105.5 121.2 15% 86.5 103.8 20% Total liabilities and equity 684.2 764.3 12% 594.0 667.7 12% 37 KCB Group KCB Bank Kenya

Actual Actual Y-O-Y Actual Actual Y-O-Y KShs Billion Q3 18 Q3 19 Change Q3 18 Q3 19 Change

6% GROWTH IN EARNINGS Interest income 49.2 51.4 5% 44.1 45.8 4% Interest expense (12.9) (12.8) (1%) (11.1) (10.8) (3%) Net interest income 36.3 38.7 7% 32.9 34.9 6% Foreign exchange income 3.7 3.5 (6%) 2.1 2.2 8% Net fees and commissions 11.0 14.1 28% 8.5 12.3 45% Other income 3.3 3.4 3% 3.0 2.9 (5%) Total other operating income 17.9 21.0 17% 13.6 17.4 28% Total other operating (26.8) (26.6) 1% (21.0) (21.9) -4% expenses Provisions for bad debts (1.8) (5.8) 225% (1.7) (5.4) 218% Profit before tax 25.6 27.2 6% 23.9 25.1 5% Tax (7.6) (8.0) 6% (6.9) (7.1) 3% Profit after tax 18.0 19.2 6% 16.9 17.9 6% 38 Q3 18 FY 18 HY19 KENYA GROUP

OVERVIEW OF 22.8% 21.9% 23.5% Return on Average Equity 23.8% 21.8% KEY FINANCIAL 49.7% 48.3% 45.7% Cost to Income 41.8% 44.7% RATIOS 7.5% 6.9% 7.8% Gross NPL to Gross Loans 8.3% 8.3%

80.8% 72.4% 60.8% NPL Coverage 73.3% 56.0%

19.7% 19.7% 19.1% Debt to Equity 18.9% 18.3%

33.3% 32.0% 34.1% Non funded income to total income 33.3% 35.2%

3.2% 3.2% 2.8% Cost of funds 2.8% 2.8%

8.1% 8.1% 8.3% Net Interest Margin 7.8% 7.9%

0.5% 0.7% 1.3% Cost of risk 1.6% 1.7%

88.0% 84.8% 89.2% Loan to Deposit Ratio 91.1% 87.0%

3.8% 8.0% 14.0% Growth of Net Loans and Advances 10.9% 11.7% Growth of Customer Deposits 10.6% 11.4% 6.2% 8.0% 7.0%

39 KShs. M Net Loans & Advances PBT 271% INTERNATIONAL KCB Bank South 404 BUSINESS 109 Sudan 198 1,034 HIGHLIGHTS 49% KCB Bank 21% growth 243 Burundi 2,567 3,320 163 in banking subsidiaries loans and (124%) advances KCB Bank 375 6,642 Uganda 5,879 • 14% earnings (90) growth in banking 44% subsidiaries KCB Bank 1… 679 Rwanda 1… 473

22% KCB Bank 17,7… 586 713 Tanzania 15,6…

4040 Q3 18 Q3 19 87.7% acceptance: • 297.1M of 338.7M shares HIGHLIGHTS ON NBK 142.6M additional shares • New shares listed and available for trading at the Nairobi Securities Exchange

Increase the shareholding to 97.17% • Upon completion of the conversion of the non-cumulative preference shares by the end of November 2019

Squeeze out • Process of compulsory acquisition of the remaining 41.6M shares is ongoing

• Reorganization of the board: Complete • Reorganization of the management team: Ongoing • Assessment on the value of capital allocation required: Ongoing • Integration work streams: Ongoing 41 Q3 19 Q3 19 Q3 19 Gov. Securities 37,014 Loan 30.8 Funded 690,838 HIGHLIGHTS (KShs. Million) Q3 18 Provisions Q3 18 accounts 41,012 (KShs. Million) ON NBK 232.7

Q319 Q3 19 Q3 19 Net Loans Staff cost 47,853 3,026 Staff numbers 1,454 and Advances (KShs. Million) Q3 18 (KShs. Million) Q3 18 48,002 2,917

Q3 19 Q3 19 Q3 19 Customer 82,513 Profit 675.5 Branches 79 Deposits Before Tax Q3 18 Q3 18 (KShs. Million) (KShs. Million) 92,814 464.6

Q3 19 Q3 19 Q3 19 Non Total 107,164 32,956 ATMs 97 Performing Assets Q3 18 Q3 18 Loans (KShs. Million) 112,450 30,884 42 (KShs. Million) Non funded income growth 27.4% NFI Ratio 34.3% KCB Group Cost/ Income ratio 44.9% (incl NBK) Operating expenses 10.9% FY 2019 Cost of funds 2.7% OUTLOOK Cost of Risk 1.7% NPL Ratio 10.0% NIM 7.9% Asset yield 10.6% Loan growth *15.1% Deposit growth *26.6% ROA 3.4% ROE 22.3% *Including the one-off from the investment in NBK

43 Investor Relations Email: [email protected] www.kcbgroup.com