Investor Presentaiton
5% GROWTH IN
EARNINGS
KShs Billion
KCB Group
Actual Actual Y-O-Y
2018 2019 Change
KCB Bank Kenya
Actual Actual Y-O-Y
2018 2019 Change
Interest income
Interest expense
Net interest income
Foreign exchange income
Net fees and commissions
4.4
14.2 19.8
66.3 74.4 12%
(17.5) (18.2) 4%
48.8 56.1 15%
4.5
59.3 63.7
(15.0) (14.9)
8%
(1%)
44.3 48.9
10%
2%
2.7
3.1
16%
40%
11.9
16.8
41%
Other income
Total other operating income
4.4
23.0 28.2
3.8 (13%)
3.9
3.6
(8%)
22%
18.6 23.5
27%
Total other operating expenses
(35.0) (38.5)
10%
(28.3) (30.5)
8%
Provisions for bad debts
Profit before tax
(2.9)
33.9 36.9
(8.9) 207%
(3.1) (8.7)
181%
9%
31.4
33.2
6%
Tax
(9.9) (11.7)
19%
(9.0) (10.5)
16%
Profit after tax
24.0 25.2
5%
22.4
22.7
1%
KCB
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