Supporting MSMEs Through the Pandemic

MEASURING UP AGAINST OUR OUTLOOK Improving economic performance supporting the confidence to meet the 2021 outlook. NFI Ratio Cost/Income ratio NPL ratio Cost of risk All outlier items recorded improvement QoQ NFI ratio 80bps COR▼ 20bps Deposits growth ▲750bps Cost of funds NIMS Asset yield 29.4% KCB 33.0% 43.5% 44.7% 13.7% 14.0% 1.8% 2.0% 2.6% 7.4% 7.6% 10.0% 10.2% 10.0% 12.4% Loan growth 11.2% 12.0% Deposit growth 22.0% 20.3% Q3 21 Actual ROE 2021 Outlook 42

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