Investor Presentaiton

19 STEADY GROWTH IN ALL INCOME LINES KES Millions 30,000 26,087 25,000 20,000 15,000 10,000 7,142 5,000 20,567 18,945 6,194 Dec 2022 Dec 2021 Interest expense |Net interest income KES Millions 15000 12000 14,373 9000 Interest income Net interest income increased year on year by 32% mainly explained by growth in the lending book and improved margins Dec 2022 59% 41% Dec 2021 42% 58% Net Interest income Non interest revenue 6000 3000 8,986 4,153 Dec 2022 Dec 2021 Trading and other income Net fees and commision Key Takeouts Growth in trading and other income due to higher margins and increase in client flows 6,484 4,132

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