Supporting MSMEs Through the Pandemic

OVERVIEW OF KEY FINANCIAL RATIOS KCB GROUP Q3 2021 KCB Q3 20 FY 20 H1 21 KCB KENYA KCB GROUP 10.9% 14.4% 20.7% Return on Average Equity 24.4% 22.0% 46.3% 45.0% 44.3% Cost to Income 37.7% 43.5% 15.1% 14.7% 14.3% Gross NPL to Gross Loans 11.8% 13.7% 68.6% 66.7% 70.1% NPL Coverage 73.0% 72.0% 15.0% 26.0% 22.9% Debt to Equity 26.9% 21.6% 30.8% 29.7% 28.6% Non funded income to total income 27.0% 29.4% 29.8% 35.3% 28.7% Mobile NFI to total fees and commissions 37.5% 28.6% 2.7% 2.7% 2.6% Cost of funds 2.6% 2.6% 7.9% 7.9% 7.9% Net Interest Margin 8.3% 7.6% 4.8% 4.6% 2.2% Cost of risk 1.9% 2.0% 82.7% 77.4% 85.3% Loan to Deposit Ratio 81.0% 75.9% 19.2% 19.2% 19.1% Government securities to total assets 20.2% 22.6% 18.7% 11.0% 8.4% Growth of Net Loans and Advances 7.5% 12.4% 31.7% 12.0% 3.7% Growth of Customer Deposits 5.9% 11.2% 41

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