Supporting MSMEs Through the Pandemic

DRIVING EFFICIENCY THROUGH NON-BRANCH CHANNELS Improvement in efficiency ratios in 2021 supported by deepening of digital channels Value transacted through digital channels (Kes B) 449 47 256 YoY growth ■Mobi Service 70% ■Internet banking 36% 499 56% YoY growth ■ Agency 1,563 ■ ATMs Cost to income ratio Q3 19 Q3 20 44.7% Q3 21 43.5% 46% 43% Merchants POS 66% Return on equity Q3 19 46.3% Q3 20 10.9% Q3 21 Cost of funds 21.8% Q3 19 Q3 20 KCB 22.0% Q3 21 2.6% 2.7% 2.8% 10

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