Investor Presentaiton
29
SUMMARY PERFORMANCE OF CORPORATE AND INVESTMENT BANKING (CIB)
KES millions
2022
2021
% change
Net interest income
4,098
3,132
31
Non-interest revenue
4,853
3,947
23
Total Income
8,951
7.079
26
Credit loss ratio
(0.2%)
0.5%
Customer loans and advances
127,914
82,724
55
Customer deposits
104,744
111,271
(6)
Contingents
77,141
65,307
18
Letters of credit
2,686
1,851
45
Guarantees
74,455
63,456
17
KEY TAKEOUTS
Growth in interest income as a result of margin
improvement and growth in loan book.
Growth in non-interest revenue due to fees from
key deals in Power and infrastructure sector.
Lower Credit loss ratio as a result of proactive
risk management and booking of higher quality
loans.
Growth in customer loans and advances was
mainly driven by key Power and infrastructure
deals and increased working capital needs.
Decline in customer deposits reflecting point in
time balances.
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