Kenyan Listed Banking Sector Quarterly Earnings and Operating Metrics
Listed Banking Sector Metrics
Banks' asset quality deteriorated during the Q3'2022 due to the elevated credit risk
Cost to Income Ratio
NPL Ratio
Cost to Income Ratio
Gross NPL Ratio
70.0%
60.0%
63.8%
16.0%
62.4%
59.4%
13.50%
59.1%
56.6%
54.5%
54.4% 54.6%
55.7%
14.0%
12.3%
12.3%
52.7%
50.0%
12.0%
10.5%
9.9%
40.0%
10.0%
8.6%
7.4%
30.0%
8.0%
6.5% 6.1%
6.2% ->
20.0%
6.0%
4.5%
3.8%
10.0%
4.0%
0.0%
2.0%
2011
2012
2013
2014
2015
2016
2017
2018
2021 Q3'2022
0.0%
2011 2012
2013
2014
2015
2016 2017 2018
2019
2020 2021 Q3'2022
Loan to Deposit Ratio
Loan to Deposit Ratio
Net Interest Margin
Net Interest Margin
9.7%
100.0%
90.2% 92.2%
84.1% 84.1% 86.2%
10.0%
85.9%
81.1%
75.9% 75.0%
9.5%
80.0%
73.8%
69.6% 70.0%
9.0%
60.0%
8.5%
8.2%
8.0% 8.0%
7.8%
7.8%
7.8%
8.0%
7.6%
40.0%
7.3%
7.3%
7.3%
7.5%
7.0%
7.0%
20.0%
6.5%
0.0%
6.0%
2011 2012 2013 2014 2015 2016 2017 2018
2019
2020
2021 Q3'2022
5.5%
Cytonn
5.0%
28
2011 2012
2013 2014 2015 2016 2017 2018 2019
2020
2021 Q3'2022View entire presentation