Investor Presentaiton

31 SUMMARY PERFORMANCE OF BUSINESS AND COMMERCIAL CLIENTS (BCC) Growth in net interest income as a result Dec 2022 KES m Dec Change Key Takeouts 2021 % KES M Net interest income 4,258 3,757 13 Non-interest revenue 3,121 1,631 91 Total Income 7,379 5,388 37 Customer loans and advances 38,655 35,692 8 Customer deposits 65,371 56,467 16 Contingents 3,589 4,057 (12) Letters of credit 286 1,197 (76) Guarantees 3,303 2,860 15 of growth in customer loans Increase in non-interest revenue supported by good client flows Increase in customer loans due to increased working capital requirements by our clients Growth in customer deposits mainly because of growth in transactional account balances

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