Investor Presentaiton
SUSTAINED IMPROVEMENT IN LOAN BOOK QUALITY
NPL and CLR
12.00%
9.9%
9.6%
9.3%
9.0%
8.6%
10.00%
9.87%
9.56%
9.25%
9.05%
8.55%
8.00%
1.0%
1.7%
1.9%
2.0%
1.8%
6.00%
4.00%
90.4%
88.5%
88.5%
88.7%
89.2%
2.00%
1.64%
1.41%
1.40%
1.11%
1.10%
0.00%
Jun-21
Sep-21
Stage 1
Dec-21
Mar-22
Jun-22
Q2 2021
Q3 2021
Q4 2021
Q1 2022
Q2 2022
■Stage 2
Stage 3
NPL
CLR
KES millions
25,000
45.5%
KEY TAKEOUTS
46.0%
45.0%
20,000
44.0%
Loan loss provision
15,000
43.0%
42.0%
10,000
41.8%
Discounted value of
security
Coverage ratio
41.0%
5,000
40.0%
39.0%
June 2022
June 2021
23
NPLs below industry level
Discounted value of security and provisions held adequate to cover
for NPLs.
Credit losses have decreased year on year;
Proactive engagement of customers.
Improved collection strategies and strong collaboration with our
customers.
Better asset quality for new loans booked.
Stanbic IT CAN BE
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