KCB 5 Year Summary
 
Five Year Financial Highlights 2010 2011 2012 2013 2014
CONSOLIDATED STATEMENT OF FINANCIAL POSITION  (KES ‘000s)
Assets
Loans and advances to customers (net) 148,113,364 198,724,919 211,664,226 227,721,781 283,732,205
Property and equipment 8,271,647 8,017,595 8,895,573 8,484,836 8,838,074
Other assets 94,971,189 123,973,645 147,868,486 154,644,962 197,768,045
Total Assets 251,356,200 330,716,159 368,428,285 390,851,579 490,338,324
Liabilities
Customer deposits 196,974,651 259,308,849 288,037,367 305,659,189 377,271,886
Borrowed funds 8,525,000 8,923,312 7,719,647 12,734,848
Other liabilities 15,251,778 18,343,283 16,763,047 14,117,777 24,698,033
Total Liabilities 212,226,429 286,177,132 313,723,726 327,496,613 414,704,767
Total Equity 39,129,771 44,539,027 54,704,559 63,354,966 75,633,557
TOTAL LIABILITIES AND EQUITY 251,356,200 330,716,159 368,428,285 390,851,579 490,338,324
CONSOLIDATED INCOME STATEMENT (KES ‘000s)
Interest income 23,109,793 28,501,387 43,082,218 41,613,398 47,475,715
Interest expense 3,464,468 4,616,241 12,445,986 8,629,113 11,527,020
Net interest income 19,645,325 23,885,146 30,636,232 32,984,286 35,948,695
Non-interest income 11,016,062 16,022,665 15,620,886 17,125,979 22,001,159
Operating income 30,661,387 39,907,811 46,257,118 50,110,264 57,949,854
Operating expenses 20,863,416 24,179,708 29,048,975 29,986,506 34,162,425
Profit before tax 9,797,971 15,129,374 17,208,143 20,123,759 23,787,429
Income tax expense 2,619,998 4,148,328 5,004,612 5,782,377 6,938,567
Profit for the year  7,177,973 10,981,046 12,203,531 14,341,382 16,848,862
Other comprehensive income:
Other comprehensive income for the year net of tax 2,829,304 -305,795 797,284
Profit attributable to equity holders of the bank 7,177,973 10,981,046 15,032,835 14,035,587 17,646,146
Earnings per share (KShs) 2.76 3.72 4.11 4.82 5.63
Dividend per share (KShs) 1.25 1.85 1.9 2.00 2.00
OTHER DISCLOSURES (KES ‘000s)
Non-performing Loans and Advances
a) Gross non-performing loans and advances 14,583,382 12,228,264 14,750,335 19,227,705 18,404,132
b) Less interest in suspense 1,796,530 1,225,595 1,816,184 2,200,117 2,588,273
c) Total non-performing loand and advances (a-b) 12,786,852 11,002,669 12,934,151 17,027,588 15,815,859
d) Less loan loss provision 6,790,567 5,240,564 7,599,324 6,761,992 9,402,308
e) Net non-performing loans and advances (c-d) 5,996,285 5,762,105 5,334,827 10,265,596 6,413,551