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FINANCIAL YEAR 2012 PERFORMANCE ANALYSIS CHARTS

FINANCIAL YEAR 2012 PERFORMANCE ANALYSIS CHARTS. Excellent profitability growth. Remarkable growth in customer numbers. Sustained growth in customer numbers continues to deepen financial inclusion . Growing borrowing customer base.

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FINANCIAL YEAR 2012 PERFORMANCE ANALYSIS CHARTS

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  1. FINANCIAL YEAR 2012 PERFORMANCE ANALYSIS CHARTS

  2. Excellent profitability growth

  3. Remarkable growth in customer numbers • Sustained growth in customer numbers continues to deepen financial inclusion

  4. Growing borrowing customer base Strong growth in borrowing customer numbers continues to boost asset growth and the bottom line

  5. A well-diversified asset portfolio

  6. Consistent improvement in asset quality Loan book quality: NPL/Gross loans %

  7. Branch and ATM network 600 492 500 426 377 400 ATMs 300 260 Branches 182 200 114 92 85 100 79 51 0 2009 2008 2010 2011 2012 Robust technology and service delivery channels • Strong focus on our county banking strategy • Continued focus on developing innovative ways to optimise operational efficiency while providing unrivalled service

  8. Strong capital base • Stable growth in shareholder equity • Ability to double our deposit base within the set statutory requirements • Ability to lend up to Kshs 7.5B to a single customer • Capital retention strategy to grow business Kshs Billions

  9. Strong return on investment • Progressive dividend payout as our earnings grow • Critical focus of deepening shareholder value

  10. Prudent deployment of earning assets

  11. Funding distribution • Renewed focus on subordinated debt to improve interest margins and reduce mismatch between asset and liability mix

  12. Solid growth in key indicators KES Billions

  13. Above-market and rising returns to investors

  14. Attractive return on assets

  15. Sound capital strength Strong capital base, well above the statutory minimums of 8%, 8% & 12%, to fuel the business

  16. Prolific growth in operating income • Focus on non-funded income remains crucial to drive earnings • Growth in funded business remains a key anchor of future returns Kshs Millions

  17. Consistently improving efficiency • Steady decline in CIR is expected to continue • Outliers due to heavy investment in branch network and infrastructure • Creation of a dedicated Cost & Performance Management Unit to drive this agenda

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