OTHER DISCLOSURES(1) Non -performing loans and advances

(a) Gross non-performing loans and advances 9,228,694 8,442,081 7,523,969 7,402,105 7,148,554 6,000,385 5,519,836 5,324,914

(b) Interest in suspense 1,995,393 1,830,264 1,471,145 1,084,338 1,359,572 1,168,398 1,033,069 737,712 (c) Total non-performing loans and

advances (a-b) 7,233,301 6,611,817 6,052,824 6,317,767 5,788,982 4,831,987 4,486,767 4,587,202 (d) Loan loss provisions 6,019,066 5,472,638 4,968,968 3,988,172 4,793,106 4,416,342 3,983,289 3,266,463 (e) Net non-performing loans (c-d) 1,214,235 1,139,179 1,083,856 2,329,595 995,876 415,645 503,478 1,320,739 (f) Discounted value of securities 1,214,235 1,139,179 1,083,856 2,329,595 995,876 415,645 503,478 1,320,739 (g) Net NPLs exposure (e-f) - - - - - - - -

(2) Insider loans and advances (a) Directors, shareholders and associates 3,567,216 4,766,496 3,461,872 4,582,197 3,077,382 4,209,499 2,878,981 3,919,749 (b) Employees 1,416,131 1,386,104 1,506,188 1,195,568 1,254,006 1,251,947 1,229,294 1,074,238 (c) Total insider loans and advances 4,983,347 6,152,600 4,968,060 5,777,765 4,331,388 5,461,446 4,108,275 4,993,987

(3) Off-balance sheet items(a) Letters of credit, guarantees,

acceptances 27,646,866 29,320,085 23,633,162 24,832,832 24,305,895 25,872,867 19,962,567 21,129,916 (b) Forwards, swaps, and options 11,860,481 9,067,859 6,938,248 26,754,761 10,380,041 7,085,043 5,461,719 25,384,740 (c) Other contingent liabilities - - - - - - - - (d) Total contingent liabilities 39,507,347 38,387,944 30,571,410 51,587,593 34,685,936 32,957,910 25,424,286 46,514,656

(4) Capital strength(a) Core capital 31,185,189 30,345,455 29,720,081 25,805,804 (b) Minimum statutory capital 1,000,000 1,000,000 1,000,000 1,000,000 (c) Excess/(deficiency) 30,185,189 29,345,455 28,720,081 24,805,804 (d) Supplementary capital 3,848,301 4,157,004 4,184,118 4,245,748 (e) Total capital (a+d) 35,033,490 34,502,459 33,904,199 30,051,552

(f) Total risk weighted assets 194,661,267 191,101,739 183,222,771 175,257,728 (g) Core capital/total deposit liabilities 16.8% 16.8% 17.4% 17.1%(h) Minimum statutory ratio 8.0% 8.0% 8.0% 8.0%(i) Excess/(deficiency) (g-h) 8.8% 8.8% 9.4% 9.1%(j) Core capital/total risk weighted assets 16.0% 15.9% 16.2% 14.7%(k) Minimum statutory ratio 10.5% 10.5% 10.5% 10.5%(l) Excess/(deficiency) (j-k) 5.5% 5.4% 5.7% 4.2%(m) Total capital/total risk weighted assets 18.0% 18.1% 18.5% 17.1%(n) Minimum statutory ratio 14.5% 14.5% 14.5% 14.5%(o) Excess/(deficiency) (m-n) 3.5% 3.6% 4.0% 2.6%

(5) Liquidity(a) Liquidity ratio 51.3% 52.0% 50.2% 47.8%(b) Minimum statutory ratio 20.0% 20.0% 20.0% 20.0%(c) Excess/(deficiency) (a-b) 31.3% 32.0% 30.2% 27.8%

GROUP BANK

STATEMENT OF COMPREHENSIVE INCOME

Jun. 2017 Shs 000

Unaudited

Mar. 2017 Shs 000

Unaudited

Dec. 2016 Shs 000 Audited

Jun. 2016 Shs 000

Unaudited

Jun. 2017 Shs 000

Unaudited

Mar. 2017 Shs 000

Unaudited

Dec. 2016 Shs 000 Audited

Jun. 2016 Shs 000

Unaudited

GROUP BANK

STATEMENT OF FINANCIAL POSITIONJun. 2017 Shs 000

Unaudited

Mar. 2017 Shs 000

Unaudited

Dec. 2016 Shs 000 Audited

Jun. 2016 Shs 000

Unaudited

Jun. 2017 Shs 000

Unaudited

Mar. 2017 Shs 000

Unaudited

Dec. 2016 Shs 000 Audited

Jun. 2016 Shs 000

Unaudited ASSETSCash (both local and foreign) 5,271,437 5,358,901 5,903,563 4,448,596 3,050,604 3,569,083 3,940,380 2,274,749Balances due from Central Banks 21,647,087 24,074,488 21,576,765 21,498,371 13,774,119 14,425,029 10,988,072 11,779,528 Kenya Government and other securities held

for dealing purposes - - - - - - - - Investment Securities:(a) Held to Maturity:

a. Kenya Government securities 83,703,864 77,162,001 74,311,860 63,582,851 83,703,864 77,162,001 74,311,860 63,582,851 b. Other securities 21,704,814 21,094,318 18,264,185 15,020,208 - - - - (b) At Fair Value: a. Kenya Government securities - - 201,941 - - - 201,941 - b. Other securities - - - - - - - - Deposits and abalances due from local

banking institutions 69,117 63,257 177,739 237,600 69,117 63,257 177,739 237,600 Deposits and balances due from banking

institutions abroad 5,241,784 5,324,537 7,433,398 6,839,238 1,291,980 961,387 2,709,194 2,525,160 Income tax recoverable 911,353 138,519 121,468 162,557 710,061 - - - Loans and advances to customers (net) 191,469,262 188,413,320 186,303,191 178,526,591 140,698,717 137,695,168 136,685,924 128,364,328 Balances due from group companies - - - - 57,712 115,624 114,060 168,757 Investments in associate 34,560 31,687 28,616 21,307 1 1 1 1 Investment in subsidiary companies - - - - 4,544,025 4,544,025 4,544,025 4,544,025 Investments in joint ventures - - - - - - - - Investment properties - - - - - - - - Property and equipment 6,750,128 6,607,943 6,738,194 5,019,686 5,040,074 4,963,814 5,072,986 3,518,954 Prepaid lease rentals - - - - - - - - Intangible assets 1,249,179 1,260,639 1,283,008 1,163,075 958,725 964,408 979,459 901,960 Goodwill 173,372 173,372 173,372 173,372 - - - - Deferred tax asset 2,644,539 2,656,349 2,639,217 2,133,069 2,242,582 2,242,582 2,242,582 1,859,187 Retirement benefit asset - - - - - - - - Other assets 2,839,768 2,990,084 2,887,984 3,089,445 2,018,022 2,156,873 2,155,595 2,388,664Total Assets 343,710,264 335,349,415 328,044,501 301,915,966 258,159,603 248,863,252 244,123,818 222,145,764LIABILITIES Balances due to Central Bank of Kenya - - - - - - - -

Customer deposits 256,338,364 251,431,358

238,103,640 216,114,485 185,230,167 179,946,406 169,599,903 150,259,739 Deposits and balances due to local banking

institutions 8,637,311 2,576,727 8,429,645 8,061,500 8,637,311 2,576,727 8,429,645 8,061,500 Deposits and balances due to banking

institutions abroad 8,699,893 6,759,034 9,146,157 7,663,336 8,942,763 5,773,069 7,717,579 7,005,865 Other money market deposits - - - - - - - -

Borrowed funds 17,143,582

20,276,785

22,062,229

24,791,852

13,451,958 17,154,532

18,824,605 21,533,136

Balances due to group companies - - - - - - - - Current income tax payable 6,276 1,365,508 695,434 346,451 - 1,346,981 681,444 326,882 Dividends payable - - - - - - - - Deferred income tax liability 7,154 7,187 - - - - - - Retirement benefit liability - - - - - - - - Other liabilities 4,332,464 5,424,599 3,730,847 4,033,919 3,345,488 4,387,369 2,438,833 2,599,521 Total Liabilities 295,165,044 287,841,198 282,167,952 261,011,543 219,607,687 211,185,084 207,692,009 189,786,643 Share holders equityPaid up capital 1,065,284 1,065,284 1,065,284 968,440 1,065,284 1,065,284 1,065,284 968,440 Share premium 7,294,767 7,294,767 7,294,767 7,294,767 7,294,767 7,294,767 7,294,767 7,294,767 Revaluation reserve 418,352 393,963 433,325 (589,344) 1,386,184 1,386,184 1,386,184 366,854 Retained earnings 34,137,782 32,264,397 30,682,722 27,818,769 28,805,681 27,239,498 25,993,139 23,729,060 Statutory loan loss reserve 602,750 855,167 860,779 852,614 - - - - Proposed dividends - 692,435 692,435 - - 692,435 692,435 - Capital grants - - - - - - - - Total Shareholders' Equity 43,518,935 42,566,013 41,029,312 36,345,246 38,551,916 37,678,168 36,431,809 32,359,121Non controlling interests 5,026,285 4,942,204 4,847,237 4,559,177 - - - - Total Equity 48,545,220 47,508,217 45,876,549 40,904,423 38,551,916 37,678,168 36,431,809 32,359,121 Total Liabilities and Shareholders' Equity 343,710,264 335,349,415 328,044,501 301,915,966 258,159,603 248,863,252 244,123,818 222,145,764

INTEREST INCOMELoans and advances 11,159,050 5,474,689 23,917,030 12,329,511 8,108,604 3,987,309 17,405,707 8,967,109 Government securities 5,557,097 2,603,977 9,598,968 4,175,876 4,074,366 1,876,853 7,203,226 3,087,658 Deposits and placements with banking

institutions 135,128 105,824 296,878 224,414 86,021 83,903 188,472 171,861 Other interest income - - - - 2,098 1,090 6,534 3,632 Total interest income 16,851,275 8,184,490 33,812,876 16,729,801 12,271,089 5,949,155 24,803,939 12,230,260 INTEREST EXPENSESCustomer depositszz 6,660,299 3,235,893 12,942,194 6,478,444 5,155,984 2,482,497 9,777,307 4,824,116 Deposits and placements from banking

institutions 221,065 91,023 415,631 211,050 183,477 71,930 352,496 150,904 Other interest expenses 476,085 242,237 1,069,774 472,244 405,224 206,542 879,123 407,273 Total interest expenses 7,357,449 3,569,153 14,427,599 7,161,738 5,744,685 2,760,969 11,008,926 5,382,293 NET INTEREST INCOME 9,493,826 4,615,337 19,385,277 9,568,063 6,526,404 3,188,186 13,795,013 6,847,967OTHER OPERATING INCOMEFees and commissions on loans and

advances 633,918 326,494 1,096,734 536,879 440,895 226,532 723,036 347,938 Other fees and commissions income 989,929 481,724 1,994,332 976,294 500,484 219,721 892,328 448,849 Foreign exchange trading income 793,840 429,065 1,745,734 895,683 531,581 292,170 1,266,222 657,106 Dividend income - - - - 68,704 - 58,076 58,076 Other income 121,340 40,625 231,937 100,648 26,492 13,635 137,617 59,041 Total non-interest income 2,539,027 1,277,908 5,068,737 2,509,504 1,568,156 752,058 3,077,279 1,571,010 TOTAL OPERATING INCOME 12,032,853 5,893,245 24,454,014 12,077,567 8,094,560 3,940,244 16,872,292 8,418,977OPERATING EXPENSESLoan loss provision 1,715,759 634,970 4,269,537 2,190,674 990,915 485,907 2,820,657 1,496,281 Staff costs 2,014,345 1,033,819 3,356,651 1,779,367 1,240,210 644,686 1,908,622 1,055,029 Directors' emoluments 55,299 27,247 113,085 57,903 33,413 16,697 65,827 32,950 Rentals charges 380,665 185,193 692,307 315,192 181,144 88,093 317,646 143,765 Depreciation charge on property and

equipment 486,676 241,940 883,552 418,292 282,629 140,949 528,585 248,793 Amortisation charges 186,072 92,118 269,211 123,085 117,305 57,359 176,433 81,326 Other operating expenses 2,156,920 1,067,797 3,880,463 1,936,277 1,172,795 594,657 2,178,139 1,044,698 Total operating expenses 6,995,736 3,283,084 13,464,806 6,820,790 4,018,411 2,028,348 7,995,909 4,102,842 Profit before tax and exceptional items 5,037,117 2,610,161 10,989,208 5,256,777 4,076,149 1,911,896 8,876,383 4,316,135 Exceptional items - - - - - - - - Profit after exceptional items 5,037,117 2,610,161 10,989,208 5,256,777 4,076,149 1,911,896 8,876,383 4,316,135 Share of associate profit after tax 8,430 5,410 6,488 3,158 - - - - Profit before tax 5,045,547 2,615,571 10,995,696 5,259,935 4,076,149 1,911,896 8,876,383 4,316,135 Current tax (1,632,305) (865,169) (4,238,206) (2,066,792) (1,263,606) (665,536) (3,590,390) (1,776,671)Deferred tax (charge)/credit (767) - 970,650 428,726 - - 865,912 428,726 Profit after tax and exceptional items 3,412,475 1,750,402 7,728,140 3,621,869 2,812,543 1,246,360 6,151,905 2,968,190 Non controlling interests 215,445 174,340 554,201 244,411 - - - - Profit for the period after tax and non

controlling interests 3,197,030 1,576,062 7,173,939 3,377,458 2,812,543 1,246,360 6,151,905 2,968,190 Other comprehensive incomeLosses from translating the financial

statements of foreign operations (51,370) (118,735) (687,383) (417,559) - - - - Gain on revaluation of land and buildings - - 1,202,512 - - - 1,075,810 - Income tax relating to these items - - (91,801) - - - (53,791) - Other comprehensive (loss)/income for the

period net of tax (51,370) (118,735) 423,328 (417,559) - - 1,022,019 - Total comprehensive income for the

period 3,361,105 1,631,667 8,151,468 3,204,310 2,812,543 1,246,360 7,173,924 2,968,190 Earnings per Share (Shs per share) - basic and diluted 12.00 5.92 26.94 12.68 10.56 4.68 23.10 11.15 Dividend per Share (Shs per share) - - 2.60 - - - 2.60 -

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