FY 2022 Investor Presentation
FY 2022 Investor Presentation
Revenue improved by 19.6% driven by non-funded
income (NFI) from lending fees, forex and trade
finance as well as funded income from investment in
Government securities.
Group Overview | Operating Environment | Financial Performance | Appendices
Costs grew by 24.1% driven by BPR amalgamation activities,
TMB acquisition, increased spend on customer acquisition
initiatives, investments in technology and increases in overall
staff remuneration.
15.3%
Interest income: 117.8
16.9%
Service fees: 12.3
69.2%
FX income: 11.1
20.6%
Lending fees: 10.6
83.4%
Other income: 9.2
Interest expense: 31.1 27.1%
Staff costs: 30.2
22.4%
Provisions: 13.2 1.7%
Other opex: 29.1 26.0%
PBT: 57.3 19.9%
25
For People.
KCB
For Better.
Closer. Connected. Courageous.
Amounts in KShs BillionView entire presentation