Investor Presentaiton
Q3 2023 Investor Presentation
KCB
Overview of key financial ratios
KCB GROUP
Q3 2023
Q3 22
FY 22
H123
KCB Kenya KCB Group
23.3%
23.0%
15.9%
Return on average equity
21.2%
19.9%
45.1%
45.7%
55.3%
Cost to income
38.7%
51.9%
18.2%
17.3%
17.4%
Gross NPL to gross loans
18.8%
16.4%
61.4%
60.7%
59.7%
NPL regulatory coverage
61.9%
62.9%
33.4%
31.8%
31.1%
Debt to equity
46.1%
32.1%
33.2% 33.3%
37.7%
Non funded income (NFI) to total income
34.2%
36.1%
25.8%
25.2%
27.7%
Mobile NFI to total fees and commissions
44.8%
25.1%
3.0%
3.1%
3.5%
Cost of funds
3.9%
3.4%
7.0%
7.0%
6.1%
Net interest margin
6.6%
6.3%
1.4%
1.7%
2.2%
Cost of risk
2.0%
2.2%
82.3%
76.2%
65.6%
Net loans to deposits ratio
65.1%
63.3%
21.7%
19.1%
19.4%
Government and other securities to total assets
20.1%
17.7%
16.4%
27.8%
32.1%
Growth of net loans and advances
25.5%
38.1%
7.4%
35.6%
61.9%
Growth of customer deposits
64.2%
79.6%
58
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