FY 2022 Investor Presentation
FY 2022 Investor Presentation
Group Overview | Operating Environment | Financial Performance | Appendices
Strong performance against our 2022 outlook - M&A activities propelled loans and deposits growth
and slowed the increase in CoF but weighed down CIR
Significant improvement in
Q4 in NPL ratio as well as
loan and deposits growth
NIMS impacted by rising
costs of borrowings coupled
with interest suspension on
NPLs
2022 Actual
2022 Projection
2023 Outlook
NFI Ratio
33.0%
33.3%
36.0%
Cost/Income ratio
44.0%
45.7%
45.0%
NPL ratio
15%-17%
17.3%
13.0%
Cost of risk
1.7%
1.8%
1.2%
Cost of funds
2.7%
3.1%
2.7%
NIMS
7.0%
7.7%
7.8%
Asset yield
10.5%
10.1%
10.4%
Loan growth
15.0%
27.8%
10.0%
Deposit growth
14.0%
35.6%
15.0%
ROE
23.0%
25.6%
28
For People.
For Better.
Closer. Connected. Courageous.
KCB
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