Supporting MSMEs Through the Pandemic

OPERATING COSTS OUTLAY *CAGR 4.6% 34.8 31.9 KCB *Cost growth consistently below inflation and other 26.5 11.8 NBK operating expenses down by 9.0% yoy on account of cost savings initiatives 12.9 10.0 4.4 Other opex 3.8 29.0* 2.9 26.4* ■Depreciation Staff costs 18.6 13.6 15.2 Q3 19 Q3 20 Q3 21 *Excluding NBK Amounts in Kes B 44.4% 46.3% 43.5% *excluding NBK 22.8% 22.1% 23.3% 8.6% 6.9% Q3 19 --Cost income ratio -4.9% Q3 20 --Staff cost income ratio Q3 21 Jaws 38

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