CONTENTS - Investing In Africa

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GROUP INFORMATION PRINCIPAL PLACE OF BUSINESS Kencom House Moi Avenue P. O. Box 48400 00100 Nairobi REGISTERED OFFICES Kenya Commercial Bank Limited Kencom House Moi Avenue P. O. Box 48400 00100 Nairobi KCB Sudan Limited Amin Muhammed Building Off Addis Abba Road P.O. Box 47, Juba Southern Sudan KCB (Tanzania) Limited PPF Tower, 17th Floor Garden Avenue/Ohio Street P.O. Box 804 Dar es Salaam KCB Bank Uganda Limited Kampala Road Branch Commercial Plaza 7 Kampala Road P.O. Box 7399 Kampala SOLICITORS Various A list is available at the Bank SECRETARY Mr. K.D. Malakwen P. O. Box 48400 00100 Nairobi AUDITORS Ernst & Young Kenya Re- Towers, Upperhill Off Ragati Road P. O. Box 44286 00100 Nairobi 2 KCB ANNUAL REPORT & FINANCIAL STATEMENTS 2007
FIVE YEAR PERFORMANCE ANALYSIS EARNINGS PER SHARE 1.5 1.2 KShs 0.7 0.6 0.7 Earnings per share Dividends per share 0.3 0.3 0.1 0.2 0.4 2003 2004 2005 2006 2007 INCOME GROWTH 8.5 6.3 KShs Billions 3.5 2.9 3.8 3.2 5.1 3.4 3.8 4.5 Net interest income Fees and commissions Other income 1.8 2.1 1.9 1.0 1.2 2003 2004 2005 2006 2007 EXPENSES 9.4 7.8 6.9 KShs Billions 5.2 6.2 Provision for impairment Other operating expenses 1.4 1.0 1.5 1.2 1.2 2003 2004 2005 2006 2007 Performance and Statutory Ratios 2003 2004 2005 2006 2007 Cost to income ratio 70% 76% 67% 64% 63% Return on equity 11% 7% 13% 21% 23% Core capital to deposits 9% 14% 16% 13% 12% Total capital to total weighted assets 13% 17% 18% 16% 14% Liquidity ratio 37% 39% 44% 42% 33% Net impaired advances to net advances 29% 21% 11% 9% 3% Net impaired advances to gross impaired advances 38% 37% 29% 33% 22% KCB ANNUAL REPORT & FINANCIAL STATEMENTS 2007 3
Page 1: CONTENTS Group Information ........
Page 5 and 6: NOTICE OF THE 37 TH ANNUAL GENERAL
Page 7 and 8: BOARD OF DIRECTORS Standing: left t
Page 9 and 10: DIRECTORS OF SUBSIDIARIES Standing:
Page 11 and 12: CHAIRMAN’S COMMENTARY The KCB Gro
Page 13 and 14: CHAIRMAN’S COMMENTARY continued D
Page 15 and 16: TAARIFA YA MWENYEKITI KCB ilikuwa n
Page 17 and 18: TAARIFA YA MWENYEKITI kuendelea KCB
Page 19 and 20: CEO’s COMMENTARY Profit before ta
Page 21 and 22: CEO’s COMMENTARY continued TEAM B
Page 23 and 24: TAARIFA YA MKURUGENZI MKUU kuendele
Page 25 and 26: REPORT OF THE DIRECTORS The directo
Page 27 and 28: STATEMENT OF DIRECTORS’ RESPONSIB
Page 29 and 30: CORPORATE GOVERNANCE STATEMENT cont
Page 31 and 32: COMMUNITY SOCIAL DEVELOPMENT REPORT
Page 33 and 34: REPORT OF THE INDEPENDENT AUDITORS
Page 35 and 36: CONSOLIDATED BALANCE SHEET as at 31
Page 37 and 38: BALANCE SHEET OF THE BANK as at 31s
Page 39 and 40: CONSOLIDATED STATEMENT OF CHANGES I
Page 41 and 42: CONSOLIDATED CASH FLOW STATEMENT fo
Page 43 and 44: NOTES TO THE FINANCIAL STATEMENTS c
Page 53 and 54:
NOTES TO THE FINANCIAL STATEMENTS c
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PROXY FORM THE SECRETARY KENYA COMM
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CONTENTS - Investing In Africa

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