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 Strong growth in borrowing customer numbers continues to boost asset growth and the bottom line

A well-diversified asset portfolio

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

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

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

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

Prudent deployment of earning assets

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

Solid growth in key indicators KES Billions

Above-market and rising returns to investors

Attractive return on assets

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

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

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