My keyboard can only produce 95 characters?
There are two different kinds of "standard" keyboards, ANSI (like in your picture) and ISO.  The former is sold in the US, the latter in Europe.  

References you have seen to 96 characters are presumably for the ISO version. It has one key more than ANSI version, which is located to the left of the z. Your keyboard is ANSI and has 95. 

To see the different kinds of keyboards made by Apple, go to

https://support.apple.com/en-us/HT201794