1. 1 Dr. Martin Oduor-Otieno, KCB Group Chief Executive My Story

2. Vision, Mission & Values 2 Values: Putting the CUSTOMER first Working together as a TEAM Being PROFESSIONAL in everything we do A willingness to CHANGE Caring for the COMMUNITY Mission: To drive efficiency whilst growing market share in order to be the preferred financial solutions provider in Africa with global reach. Vision: To be the preferred financial solutions provider in Africa with global reach. The Extra Ordinary Story Of KCB

3. Where we have come from 3 The Extra Ordinary Story Of KCB KCB has been in Kenya for over 114 years, first as National Bank of India then as National & Grindlays Bank. From one tiny branch in Mombasa in 1896, we now have 167 branches, spread across the country. We also serve our customers through over 750 ATMs across the region, mobile telephone banking & other global services. Our Client base stands at 1.5M customers, representing 11% of market share (customers); 15% by value. We have the largest asset base and capital base in EA; Kshs 244 B and Kshs36.8 B respectively. Employer of choice with approximately 5,000 staff

4. Regional expansion began in 1997 with entry into Tanzania. Our vision was to capture the EAC market as the Community was reborn; promote regional businesses. First branch in Dar-es-Salaam but now also in Mwanza, Arusha, Moshi, Morogoro & Zanzibar. Recorded successes in spite of challenges; an inspiration to Kenyan businesses in that market. KCB shares cross-listed on Dar-Es-Salaam Stock Exchange Pioneering in Tanzania 4 The Extra Ordinary Story Of KCB Tanzania slowly embracing regional integration 6 Moshi Morogoro

5. Braving the unknown- Southern Sudan 5 KCB was the first international bank to be licensed to operate in Southern Sudan in 2006. Very brave move as country had just began developing systems and structures; huge risks. Began operations in Rumbek and Juba; expanded to 14 locations; significant market share. KCB is the key banker for the Government of Southern Sudan; benefits from strong pro- Kenya sentiment in the market based on support during CPA negotiations. The Extra Ordinary Story Of KCB 6 Bentiu Yambio Rumbek Torit Nimule Yei

6. Venturing into Uganda 6 Launched our first branch in Kampala in 2008 and since expanded to 14 branches. Uganda is Kenya’s top trading partner hence great opportunity for financial intermediation. Immense synergies with our businesses in Rwanda and S. Sudan. Recent discovery of Oil a major driver of economic growth into the future. KCB Shares cross-listed at Uganda Securities Exchange The Extra Ordinary Story Of KCB 6 Hoima

7. Rwanda – The Land of a Thousand Hills 7 Started with a state-of-the-art branch at Avenue de la Paix, Kigali; grown to 9 branches. KCB is a strong brand in the market. Rwanda has made huge strides in opening up its market to the region. Increasing business opportunities, especially in ICT sector; KCB positioning itself to tap into the potential. The Extra Ordinary Story Of KCB 5 Rubavu Huye Musanze

8. … next stop? 8 The Extra Ordinary Story Of KCB These countries offer KCB additional opportunities to expand footprint Synergies with existing markets Value in strengthening regional ties; more business for the bank and its customers Largely untapped markets Interest from Foreign investors/ increasing FDIs Burundi DR Congo Zambia

9. KCB’s Regional Growth Strategy 9 Leverage on Technology: Single platform banking system Intelligent ATMs Mobile banking products Mortgage/ABF products SME & BOP products. Youth products The Extra Ordinary Story Of KCB Tanzania – Islamic banking products, Mortgage finance, Asset Finance, credit cards and women and youth products Southern Sudan - Advantage banking, Mortgage finance and Money transfer services Uganda – Advantage banking and Money transfer services Rwanda – Mortgage finance products, personal and group business accounts Eastern Africa – Synergies from EAC Common Market

10. Our Evolving Ownership Structure 10 The Extra Ordinary Story Of KCB

11. Government Shareholding 11 The Extra Ordinary Story Of KCB IPOIPO POPO POPO RIGHTSRIGHTS POPO RIGHTSRIGHTS RIGHTSRIGHTS

12. Our Market Position 12 CategoryDec 2009 Kes BillionsRanking 2009 Total Assets 172.38No 1 Market Share 13.10% Customer Deposits 137.97No 1 Market Share 13.71% Total Deposits 147.28No 1 Market Share 14.18% Loans & Advances (Net) 96.56No 1 Market Share 13.95% Shareholders Funds 22.40No 3 Market Share 11.41% Interest on Loans and Advances 11.82No 2 Market Share 13.43% Total Interest Income 15.24No 2 Market Share 13.01% Net Interest Income 12.37No 2 Market Share 14.87% Profits Before Tax 6.43No 3 Market Share 13.49% The Extra Ordinary Story Of KCB

13. Resilient Share Price 13 The Extra Ordinary Story Of KCB KCB is Cross listed in the Uganda Securities Exchange, Tanzania Stock Exchange and the Rwanda Over the Counter Market Today, our market Capitalization stands at Ksh 67B

14. PBT Growth (Kshs Millions) 14 The Extra Ordinary Story Of KCB Proportion of profits from the subsidiaries increasing albeit slowly. This we look to grow to account for 20% of the Group’s PBT over the next 5 years.

15. Net Loans and Deposits (Kshs. Billions) 15 The Extra Ordinary Story Of KCB

16. Dividend Payout (Kshs Millions) 16 The Extra Ordinary Story Of KCB

17. Return on Equity 17 The Extra Ordinary Story Of KCB

18. Shareholders Funds 18 The Extra Ordinary Story Of KCB

19. Enhanced Potential – Post Rights Issue 19 The Extra Ordinary Story Of KCB After rights issue 6,947M Before rights issue 4,492M Single Borrower Limit Asset (loans) Potential has grown from the KShs163B to KShs251B Liability (deposits) Potential has grown from the KShs246B to KShs380B

20. KCB Awards 20 The Extra Ordinary Story Of KCB I.T. Division scooped the Network Innovation Award from CISCO Systems(2009). Euromoney Award for Best Bank in Kenya in the 2009 Euromoney Awards of Excellence Banking Innovation of the Year Award in 2009 for KCB Connect. The Kenya Information & Communications Technology Excellence Awards Africa investor SRI (Socially Responsible Investment) 30 CEO of the Year (2010) Best Bank in Product Marketing Best Bank in Technology Use Best Retail Bank Best Bank in Asset Finance Best Bank in Mortgage Finance The Banking Awards 2010:EMEA Finance's best local bank in Kenya 2010 award for the 3 rd consecutive year

21. Socially Responsible & Sustainable Business 21 The Extra Ordinary Story Of KCB The KCB Foundation supports the community in: Education Environment Enterprise Development Health Humanitarian Intervention Launched Friends of the Foundation Partnership programme. KCB is the first bank in Eastern Africa to launch a sustainability programme. Issued first Sustainability Report in 2008 Implementing the KCB Green Agenda; a blue- print for green business practices. Amb. James Baba Min. of State and KCB Staff during the Uganda SOS Medical Camp

22. You can be part of KCB’s Success 22 The Extra Ordinary Story Of KCB KCB Ambassador Come experience our advantage service Invest in and through KCB Transact through KCB’s Global correspondent banks Start your children on the savings culture through our cub accounts

23. You can be part of KCB’s Success 23 KCB Ambassador Engage with us via our varied contact points – branches and contact center Secure your home through S&L Mortgages Visa/Master Cards Mobile Banking The Extra Ordinary Story Of KCB

24. … and finally 24 THANK YOU.