1 Q& A 1 KCB GROUP: ENABLING GROWTH & DEVELOPMENT IN EAST AFRICA

VISION To be the preferred financial solutions provider in Africa with global reach. MISSION To transform our business from Good to Great in order to position KCB as the preferred financial solution in Africa with global reach VALUE Putting the CUSTOMER first. Working together as a TEAM Being PROFESSIONAL in everything we do A willingness to CHANGE Caring for the COMMUNITY 2 OUR VISION, MISSION AND VALUES

3 The Group Footprint: Strong, Stable Regional Bank UGANDA Branches 16 ATMs 303 Staff TANZANIA Branches 12 ATMs 252 Staff BURUNDI Branch opened 2 ATMs 27 Staff RWANDA Branches 14 ATMs 325 Staff KENYA Branches 864 ATMs 3,724 Staff SUDAN Branches 22 ATMs 322 Staff -Asset Base 349 Billion -Capital Base 47 Billion - No. of Branches Over 930 ATMs - No. of Customers 2 Million - No. of Agents 3,243 GROUP 3

KCB BRANDS Our Products Our Channels Our Partnership Our Sponsorships Our Caring Nature 4 New Brands

Group Service Offering 5 Mobile banking Enhancing convenience to customers through our mobile banking platform. Advantages of the system: Fast, convenient and cost effective Multiple delivery channels– USSD, WAP and GPRS (downloaded application to the handset) Not limited to a particular network 24 hour access worldwide Ease in deposit mobilization Services: Airtime top up for self or others across networks All balance enquiries including credit card and loan status Loan repayments and utility payments Money transfer services to any mobile number

Group Service Offering 6 Internet banking Enhancing worldwide convenience to customers through our online banking platform. Services: Account summary Create and maintenance of standing orders Funds transfers – SWIFT, EFT, RTGS Fixed Deposit opening and maintenance Cheque book request and stop cheque payment Credit card payments

Group Service Offering 7 KCB Mtaani – Agent Banking Offering banking services at non-bank outlets e.g. Pharmacies, Post Offices, Supermarkets etc Advantages It is easier and cheaper for the bank to set up an agent in remote locations than a fully-fledged branch Additional revenue source for the agent Decongestion of banking halls Extension of banking hours Services Cash deposit and withdrawal School fees payment Collection of Account opening documentation

Group Service Offering 8 Custody services We provide: Safe Keeping Services Account Administration Transaction Settlement Capital and Income Services Corporate Actions Administration Trustee Services Our shares are Cross listed in the Kenya, Uganda, Tanzania and the Rwanda exchanges – providing an avenue for investment from the region Envisioning an East African Stock Exchange that will facilitate greater volume and value of trading. In 1H12 the KCBs stock outperformed the NSE 20 by 29% It is among the most liquid stocks with a turnover of KES 5.5 Billion ranking it 3rd on the FTSE NSE Kenya 25 Index

Group Product Offering 9 KCB is ready and able to offer efficient and reliable banking services in a personalized and responsive manner. Wide range of personal and corporate accounts Card services – Debit, Pre-Paid and Credit Trade Finance solutions Diaspora banking Advisory services Asset Finance Project financing Mortgage Financing Cash management.

Group Service Offering 10 Contact Centre 24 hour Access to the bank through telephone, , Social Media, Fax and SMS. Services include: Basic account queries, Product and service information, Branch/ATM locations, Complaints and suggestions.

Our Sponsorships: 11 KCB has invested significantly in different sports with the aim of building talent across Eastern Africa. The bank has to date invested over 600 Million towards sponsorship. The bank has used sports sponsorship to profile players and the bank across the market of operation. Key sponsorships include: KCB Athletics Cross country championships series KCB East African Golf tour National League Rugby, Football, Basketball and Volleyball teams KCB Kenya National Rally championship -10 year sponsorship & 62 Rallies held. KCB East African Rally Challenge - Held in Kenya, Tanzania, Uganda,

KCB Foundation 12 KCB is committed to supporting the development of communities around whom it operates across the region. Through the KCB Foundation we reach out and positively impact the community in the areas of: Environment million Trees planted, Goal- to plant 4 Million by 2014 Health - 20,000 children treated in medical camps, 5 Dialysis machines have been installed Education School have received learning material, 200 Students have received full scholarships. Enterprise Development Youth entrepreneurs benefited from the Junior Achievement training and enterprise management. 600 Youth in higher learning institutions were reached with financial literacy and money management skills through Nurture Smart. Humanitarian Intervention - Kenyans for Kenya National campaign. Post Election violence support.

Sustainability and Green Agenda: 13 Implementing the Social & Environmental Management System (SEMS) to manage loans with potential social and environmental risks Integration of SEMS into procedures within Credit, Risk and Corporate divisions Green Agenda: Implementation of Green initiatives to reduce on resource consumption Application to new buildings and branches – to be green and intelligent Sustainability reporting now to be an annual activity – published together with the annual report and financial statements

Our Awards: : Best Bank Corporate Banking Best Corporate Banker Best bank in Retail Banking Best bank in SME Banking Chief Executive of the Year 1st Runners up- Micro Banking 1st Runners up Mortgage Financing 2nd Runners up in Asset Finance 2011: Best Trade Finance bank in Kenya - Global Finance Magazine 2011 Best Retail bank in Kenya 2011 EURO STP Excellence Award. Euromoney awards Total Eco-Challenge Awards Company of the Year Awards (COYA) – Corporate Citizenship

Our Financials: Over the past five years, our balance sheet has grown tremendously – to Kshs 349.3B (equivalent to USD 4.1 billion) by the end of June 2012

KCBs Future: 16 OUTLOOK: Strong performance driven by innovation Transformation programme on track for completion in December 2012 Reduction in the NPL ration across the Group Cost Income ratio down to 51-52% The guiding principles and strategic objectives are: to ensure focus on core the activity of providing banking services and solutions – with innovation at the centre to ensure efficiency and a high level of productivity customer centricity and enhanced human resource capacity increased shareholder value; which remains the overarching objective of the Banks operations

Our Competitive Advantages Our Growth Drivers Our Transformation Agenda Our Award Winning products Our unmatched regional presence The bank is an early adopter of Research and Innovation Our unmatched Pursuit towards growing sustainable business Lay the foundation to Leverage our talent Develop best-in-class enabling processes Optimize the subsidiaries Profitably grow business in Kenya Micro & SME Mortgage Improved cost to income ratio International Business 17 Increased Revenues Reduction in Costs Improved Efficiencies KCB ROAD MAP AND TRANSFORMATION PILLARS

THANK YOU 18