FY 2022 Investor Presentation

FY 2022 Investor Presentation Overview of key financial ratios KCB GROUP Group Overview | Operating Environment | Financial Performance | Appendices FY 2022 KCB KCB FY 21 H1 22 Q3 22 Kenya Group 22.4% 23.0% 23.3% Return on average equity 28.1% 23.0% 44.0% 45.7% 16.5% 21.5% 45.1% Cost to income 38.0% 45.7% 18.2% Gross NPL to gross loans 19.6% 17.3% 60.0% 54.6% 61.4% NPL regulatory coverage 57.7% 60.7% 21.3% 22.5% 33.4% Debt to equity 44.2% 31.8% 28.5% 32.1% 33.2% Non funded income (NFI) to total income 34.4% 33.3% 25.3% 21.8% 25.8% Mobile NFI to total fees and commissions 34.5% 25.2% 2.8% 3.0% 3.0% Cost of funds 3.0% 3.1% 7.6% 7.0% 7.0% Net interest margin 7.3% 7.0% 2.0% 1.2% 1.4% Cost of risk 1.4% 1.7% 80.7% 80.4% 82.3% Net loans to deposits ratio 88.5% 76.2% 24.2% 23.5% 21.7% Government and other securities to total assets 21.2% 19.1% 13.5% 9.1% 15.6% 20.3% 16.4% Growth of net loans and advances 16.0% 27.8% 7.4% Growth of customer deposits 11.2% 35.6% 30 For People. For Better. Closer. Connected. Courageous. KCB

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