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. 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

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