FY 2022 Investor Presentation

FY 2022 Investor Presentation Group Overview | Operating Environment | Financial Performance | Appendices Assets yield down 30bps YoY to 10.1% due to the impact of suspension of interest on loans and advances that migrated to NPL and offset by improved yields on Government securities 11.5% Yields from Government securities in 2022. This improvement contributed immensely Loans and Govt. securities 276 to the funded income. Yields vs Cost of funds 10.4% Assets yield 10.1% 295 863 675 2021 2022 Government securities Loans and advances 22 For People. For Better. Closer. Connected. Courageous. 7.6% NIMS 7.0% 3.1% 2.8% CoF 2021 Amounts in KShs Billion 2022 KCB

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