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Investor Presentation HY 2020

NFI [Kshs Mn] 4,536 -7% Fee/Cost vs Fee/Income -O-Fee/Cost Fee/Income 4,213 98% 90% 891 88% 84% 959 +8% Other income includes; 1. Net income on 1,290 financial assets at fair value 942 -27% through profit or loss 39% 38% (FVTPL), 33% 35% 2. Rental income 1,227 1,100 -10% 3. income from sale of property and equipment 1,128 1,212 +7% Jun-19 Fees & Commissions on Loans FX Income Fee implies Non Funded Income [NFI] I&M HOLDINGS Jun-20 Other Fees & Commissions Other Income 2018 FY Jun-19 2019 FY Jun-20 NFI reduced as a result of the impact of Covid-19 and Central Bank of Kenya (CBK) emergency measures announced in Mid-March to ease the burden of transactions on consumers. 9

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