Investor Presentaiton

20 OPERATING EXPENSES AND CREDIT IMPAIRMENT KES Millions 15,000 KES Millions 6,000 52.0% 4,944 51.0% 5,000 4,801 50.9% 12,000 6,190 7,689 50.0% 4,000 49.0% 9,000 3,000 2,569 2,524 48.0% 6,000 3,000 46.7% 2,000 47.0% 6,519 46.0% 1,000 7,279 45.0% 143 0 44.0% -45 0 Dec 2022 Dec 2021 -1,000 Dec 2022 Dec 2021 Other opertating expenses Staff costs CTI Credit impairment General credit provision Specific credit provision Operating costs: driven by investment in people, technology and business growth Decline in cost to income ratio due to revenue growing faster than costs Growth in impairment charges mainly within Corporate and Investment Banking and Consumer and High net worth clients

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