H1 2023 Investor Presentation
KCB
H1 2023 Investor Presentation
Summary statement of Profit or Loss for the year ended 30 June 2023
KCB Group
KCB Bank Kenya
Y-O-Y
KShs Billion
H122
H123
H122
H123
Change
Y-O-Y
Change
Interest income
54.5
70.1
29%
39.9
45.6
14%
Interest expense
(13.9)
(24.6)
77%
(9.5)
(17.1)
79%
Net interest income
40.6
45.5
12%
30.3
28.5
(6%)
Foreign exchange income
4.9
5.9
20%
3.6
4.0
11%
Net fees and commissions
11.4
17.8
56%
8.4
10.0
18%
Other income
2.9
3.8
34%
2.1
2.4
19%
Non-funded income
19.2
27.6
43%
14.1
16.4
16%
Total Income
59.8
73.1
22%
44.4
45.0
1%
Total operating expenses
(27.3)
(40.4)
48%
(17.3)
(17.9)
3%
Loan impairment
(4.3)
(10.2)
136%
(3.3)
(7.9)
142%
Profit before tax
28.2
22.5
(20%)
23.8
19.2
(20%)
Tax expense
(8.5)
(6.4)
(25%)
(7.3)
(5.2)
(28%)
Profit after tax
19.6
16.1
(18%)
16.5
13.9
(16%)
38
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