Kenyan Listed Banking Sector Quarterly Earnings and Operating Metrics

Listed Banks Earnings and Growth Metrics Cont... Revenue diversification has been witnessed in the banking sector as evidenced by the increase in the NFI contribution to Total Operating Income to 38.1% in Q3'2022, from 35.2% in Q3'2021 Earnings and Growth Metrics 120.0% 100.0% 102.0% 80.0% 60.0% 36.7% 40.0% 20.0% 73.7% 69.7% 57.1% 55.7% 48.6% 44.6% 38.1% 35.2% 24.6% 16.9% 17.0% 14.3% 12.4% 9.7% 7.3% 7.3% 0.0% Core EPS Growth Loan to Deposit Ratio CIR with LLP CIR without LLP NFI to Total Operating Income Return on Average Equity Deposit Growth Loan Growth Net Interest Margin Cytonn Q3'2021 Q3'2022 31

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