Kenyan Listed Banking Sector Quarterly Earnings and Operating Metrics
Financial Statements Extracts
KCB Group's PAT is expected to grow at a 5-year CAGR of 19.0%
Income Statement
Net Interest Income
2019
2020
2021
2022f
56.1
67.9
77.7
91.1
Non Funded Income
Total Operating Income
Loan Loss Provision
Other Operating Expenses
Total Operating Expenses
Profit Before Tax
28.2
28.5
30.9
36.8
84.3
96.4
108.6
127.9
8.9
27.5
13.0
13.6
38.5
43.2
47.8
57.5
47.4
70.7
60.5
71.1
36.9
25.7
47.8
56.7
% PAT Change YoY
4.9%
(22.1%)
74.3%
16.2%
EPS
7.8
6.1
10.6
12.4
DPS
3.5
1.0
2.0
2.2
Cost to Income (with LLP)
56.2%
73.3%
56.0%
55.6%
NIM
8.2%
8.5%
8.4%
8.1%
ROE
20.7%
14.4%
21.8%
27.0%
ROA
3.1%
2.1%
3.2%
4.1%
Balance Sheet
Net Loans and Advances
Government Securities
Other Assets
Total Assets
Customer Deposits
Other Liabilities
Total Liabilities
Shareholders Equity
Number of Shares
2019
2020
2021
2022f
539.7
595.3
675.5
868.5
164.9
208.8
270.8
329.3
194.0
183.8
193.4
273.6
898.6
987.8
1,139.7
1471.4
686.6
767.2
837.1
1070.7
82.2
78.2
129.0
177.9
768.8
845.4
966.2
1248.6
129.7
142.4
171.7
220.4
3.2
3.2
3.2
3.2
Book value Per share
40.4
44.3
53.4
68.6
% Change in BPS YOY
7.5%
9.8%
20.6%
28.4%
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