Supporting MSMEs Through the Pandemic

IMPROVED ASSET QUALITY KCB 10 Cost of risk vs ECL charge Gross loans staging Cost of Risk 20.0 improvement driven by reduced provisions in 126 516 corporate and digital loans 5.8 1.7% 76 4.8% 9.3 IFRS provisions staging ■ Stage 1 6.6 Stage 2 ■ Stage 3 2.0% 5.9 Q3 19 Q3 20 Q3 21 ECL charge (Kes B) --Cost of risk 52.8 Amounts in Kes B 31

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