Investor Presentaiton

GÐ BANK Adequate Coverage Kshs. 7.9 Billion loan loss provisions in FY2021 (Kshs. 8.1 Billion in FY2020), indicating improving quality of our asset book as businesses and households continue to recover from the impact of Covid-19 pandemic. 2.9% FY2020 Cost of Risk 2.7% FY2021 Inclusive of the Discounted Value of Securities, our coverage is at 99.2% IFRS Coverage (Bank) 51.8% 68.5% FY2020 FY2021 41

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