Transcript Financial Year 2012 Performance Analysis Charts

FINANCIAL YEAR 2012 PERFORMANCE
ANALYSIS CHARTS
Excellent profitability growth
11.0
9.98
10.0
9.0
Kshs. Billions
8.0
7.0
6.36
5.77
6.0
5.0
4.0
3.36
3.74
2008
2009
3.0
2.0
1.0
0.0
2010
Profit before Tax
2011
2012
Remarkable growth in customer numbers
Customer numbers
Sustained growth in
customer numbers
continues to deepen
financial inclusion
3,500
3,200
Number in Thousands
3,000
2,500
2,300
2,000
1,600
1,500
1,000
1,200
695
500
2008
2009
2010
2011
2012
Growing borrowing customer base
Number of borrowers, thousands
Strong growth in
borrowing customer
numbers continues to
boost asset growth
and the bottom line
300
248
250
259
200
150
150
112
125
100
50
0
2008
2009
2010
2011
2012
A well-diversified asset portfolio
Loans Distribution In Kes. Billions
Sacco Loan, 17.8B,
Agribusiness 14%
Corporate, 25B,
20%
4.8B, 4%
Mortgage , 8.4B,
7%
MCU, 3.9B, 3%
SME, 6.4B, 5%
Personal , Card &
other retail, 51.9B,
42%
Asset Finance,
5.8B, 5%
Consistent improvement in asset quality
Loan book quality: NPL/Gross loans
14
12%
12
10
%
7%
8
5%
6
4%
4
3.8%
2
0
2008
2009
2010
2011
2012
Robust technology and service delivery channels
Branch and ATM network
•
Strong focus on our
county banking
strategy
600
492
500
426
•
Continued focus on
developing innovative
ways to optimise
operational efficiency
while providing
unrivalled service
377
400
ATMs
300
260
Branches
182
200
100
51
79
85
92
2009
2010
2011
114
0
2008
2012
•
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 capital base
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
29.8B,
15%
3.1B, 4.6B,
2% 2%
Borrowed funds
Deposits
Shareholders funs
Other Liabilities
163.3B,
81%
KES Billions
Solid growth in key indicators
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
Kshs Millions
•
Growth in funded
business remains a
key anchor of future
returns
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