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16 INCOME STATEMENT HIGHLIGHTS KES 15.2b Revenue 2021: KES 12.4b 5.04% Net interest margin 2021: 4.30% 48.2% Cost to Income 2021: 48.9% 23% 17% 1% KES 4.8b Profit after tax 2021: KES 3.5b 16.9% Return on Equity 2021: 13.4% 1.10% Credit Loss ratio 2021: 1.64% (+) 37% ↑ 26% 33% Stanbic IT CAN BE

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