Supporting MSMEs Through the Pandemic

DOUBLING UP OF GROUP PROFITABILITY Q3 2021 Ʌ109% Customer loans 53.4 17% Growth in PBT driven by increased interest income from loans and government securities, FX trading income and a decline in the provisions charge Government securities 18.9 12% 2.1 Interest expense 17.1 11% 1.7 Lending fees 6.6 -0.2 (3%) Service fees 7.9 5% 0.4 Forex income 4.5 Provisions 9.3 -10.7 35% 1.2 (53%) 7.7 KCB Operating expenses 34.8 9% 2.8 Profit before tax 35.8 109% 18.7 Amounts in Kes B Q3 20 vs Q3 21 YoY movement 36

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