FY 2022 Investor Presentation
FY 2022 Investor Presentation
Group Overview | Operating Environment | Financial Performance | Appendices
Summary statement of Profit or Loss for the year ended 31 December 2022
KCB Group
KCB Bank Kenya
Y-O-Y
Y-O-Y
KShs Billion
2021
2022
2021
2022
Change
Change
Interest income
102.2
117.8
15%
78.4
83.3
6%
Interest expense
(24.5)
(31.1)
27%
(16.9)
(21.9)
30%
Net interest income
77.7
86.7
12%
61.5
61.4
(0%)
Foreign exchange income
6.5
11.1
69%
4.0
8.9
126%
Net fees and commissions
19.4
23.0
19%
14.9
17.2
15%
Other income
5.0
9.2
83%
3.4
5.5
60%
Non-funded income
30.9
43.3
40%
22.3
31.5
42%
Total Income
108.6
129.9
20%
83.8
92.9
11%
Total operating expenses
(47.8)
(59.4)
24%
(32.6)
(35.3)
8%
Loan impairment
(13.0) (13.2)
2%
(10.7)
(8.7)
(18%)
Profit before tax
47.8
57.3
20%
40.5
48.9
21%
Tax expense
(13.6) (16.5)
21%
(11.9)
(14.2)
19%
Profit after tax
34.2
40.8
20%
28.6
34.7
22%
32
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