Q& A

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

2. OUR VISION, MISSION AND VALUES • VALUE • Putting the CUSTOMER • first. • Working together as a TEAM • Being PROFESSIONAL • in everything we do • A willingness to CHANGE • Caring for the COMMUNITY

3. The Group Footprint: Strong, Stable Regional Bank • Asset Base • 349 Billion • Capital Base • 47 Billion • - No. of Branches 226 • - Over 930 ATM’s • - No. of Customers • 2 Million • - No. of Agents 3,243 GROUP SUDAN- 2006 19 Branches 22 ATMs 322 Staff UGANDA- 2007 14 Branches 16 ATMs 303 Staff KENYA- 1896 170 Branches 864 ATMs 3,724 Staff BURUNDI- 2012 1 Branch opened 2 ATMs 27 Staff RWANDA- 2008 11 Branches 14 ATMs 325 Staff TANZANIA- 1997 11 Branches 12 ATMs 252 Staff 3

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

5. Group Service Offering • 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

6. Group Service Offering • 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

7. Group Service Offering • 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

8. Group Service Offering • 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 KCB’s 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

9. Group Product Offering • 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.

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

11. Our Sponsorships: • 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,

12. KCB Foundation 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 - 1.5 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 - 750 School have received learning material, 200 Students have received full scholarships. Enterprise Development - 400 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.

13. Sustainability and Green Agenda: 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

14. Our Awards: • 2012: • 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

15. 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

16. KCB’s Future: • 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 Bank’s operations

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

18. THANK YOU