Investor Presentaiton

18 STEADY REVENUE GROWTH KES millions KES millions 8,000 14,000 7,000 12,000 11,494 10,132 6,000 10,000 8,343 5,000 4,525 8,000 6,901 Interest income Trading and other income 4,000 3,361 6,000 Interest expense 3,000 ■Net fees and commissions 4,000 3,150 3,231 Net interest income 2,000 2,000 1,000 2,335 2,121 June 2022 June 2021 ■ Net interest income increased year on year by 21% mainly explained by growth in the lending book and improved margins. June 2022 June 2021 Net interest income 45% 44% 55% ■Non-interest revenue 56% June 2022 June 2021 KEY TAKEOUTS Net fees and commission income Increase in net fees and commission income explained by: ㅁ Closure of key investment banking deals. ם Rebound of trade finance activity and improved digital adoption by our clients. Trading and other revenue ■ Growth in trading and other income due to increased client flows and currency volatility. Stanbic IT CAN BE

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