Investor Presentaiton
Q3 2023 Investor Presentation
Summary statement of Profit or Loss for the year ended 30 September 2023
KCB
KCB Group
KCB Bank Kenya
Y-O-Y
KShs Billion
Q3 22
Q3 23
Q3 22
Q3 23
Change
Y-O-Y
Change
Interest income
Interest expense
83.5
113.9
36%
61.0
74.8
22%
(21.9)
(39.1)
78%
(15.2)
(27.6)
82%
Net interest income
61.6
74.9
22%
45.8
47.1
3%
Foreign exchange income
8.4
8.2
(2%)
6.3
5.6
(11%)
Net fees and commissions
17.0
28.1
66%
12.6
15.8
25%
Other income
5.2
6.1
17%
3.5
3.1
(11%)
Non-funded income
30.6
42.4
39%
22.3
24.5
10%
Total Income
92.1
117.3
27%
68.2
71.6
5%
Total operating expenses
(41.6)
(60.8)
46%
(25.6)
(27.7)
8%
Loan impairment
(7.3)
(15.8)
118%
(5.5)
(11.4)
108%
Profit before tax
43.3
40.6
(6%)
37.1
32.5
(12%)
Tax expense
(12.7)
(9.9)
(22%)
(10.8)
(8.5)
(21%)
Profit after tax
30.6
30.7
26.3
24.0
(9%)
60
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