Investor Presentaiton

Non funded income growth 25.0% NFI Ratio 36.2% Cost/ Income ratio 45.0% FY 2020 OUTLOOK Cost of funds 2.8% Cost of Risk 1.8% NPL Ratio 8.0% NIM 7.8% Asset yield 11.1% Loan growth 14.0% Deposit growth 14.0% ROA 3.5% ROE 22.9% KCB 35

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