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19 OPERATING EXPENSES AND CREDIT IMPAIRMENT 1,609 1,557 1,502 1,500 1,261 KES millions 8,000 7,000 49.0% 48.9% 48.8% KES millions 2,000 6,000 3,662 48.6% 5,000 Other operating 2,983 1,000 expenses 4,000 48.4% Staff costs 48.2% 3,000 48.2% CTI 500 2,000 3,673 3,076 48.0% 1,000 47.8% June 2022 June 2021 Credit imp General debt provision Specific debt provision (55) (348) (500) June 2022 ■ June 2021 Decline in cost to income ratio due to revenue growing faster than costs. ■ Double digit reduction in impairment charges due to improved credit quality and focus on arrears management. Stanbic IT CAN BE

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