Investor Presentaiton

32 SUMMARY PERFORMANCE OF CONSUMER AND HIGH NETWORTH CLIENTS (CHNW) Dec Dec Change 2022 2021 % KES M KES M Net interest income 4,809 4,074 18 Non-interest revenue 2,039 1,349 51 Total Income 6,848 5,423 26 Customer loans and advances 52,843 50,112 5 Customer deposits 73,682 72,538 2 Contingents 585 360 1 Letters of credit 0 16 (1) Guarantees 585 344 1 Key Takeouts Growth in interest income as a result of growth in customer loans and margin improvement Increase in non-interest revenue mainly driven by income from transactional products Marginal growth in customer loans reflecting challenging times for most households Growth in deposits supported by liabilities campaigns

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