H1 2023 Investor Presentation
KCB
H1 2023 Investor Presentation
Overview of key financial ratios
KCB GROUP
H1 2023
H122
FY 22
Q123
KCB Kenya KCB Group
23.0%
23.0%
19.7%
Return on average equity
21.2%
15.9%
45.7%
45.7%
51.2%
Cost to income
39.7%
55.3%
21.5%
17.3%
17.5%
Gross NPL to gross loans
19.6%
17.4%
54.6%
60.7%
58.7%
NPL regulatory coverage
63.8%
59.7%
22.5%
31.8%
30.1%
Debt to equity
46.2%
31.1%
32.1%
33.3%
40.1%
Non funded income (NFI) to total income
36.6%
37.7%
21.8%
25.2%
20.3%
Mobile NFI to total fees and commissions
49.3%
27.7%
3.0%
3.1%
3.5%
Cost of funds
4.0%
3.5%
7.0%
7.0%
5.8%
Net interest margin
6.3%
6.1%
1.2%
1.7%
1.8%
Cost of risk
2.3%
2.2%
80.4%
76.2%
77.6%
Net loans to deposits ratio
71.5%
65.6%
23.5%
19.1%
18.3%
Government and other securities to total assets
23.1%
19.4%
20.3% 27.8%
15.6% 35.6%
31.9%
Growth of net loans and advances
18.6%
32.1%
41.5%
Growth of customer deposits
38.4%
61.9%
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