1,174,945 1,973,662

- -

- - -

- -

2,215,670 1,141,192

119,6459,909,696

94,400

846,828

50,282 555,748

782,774 18,864,842

16,125,643

158,901

303,375

-

814,89317,402,812

390,800 1,172,401

(411,112)309,941

1,462,03018,864,842

879,061 -

121,720

1,000,782

187,434 17,364 40,435

245,233755,549

65,601 292,243 79,272

16,823 453,940

1,209,489

(345,152) 465,372

18,500 405

50,239 24,476

810,167 1,024,007

185,482

185,482 (21,127)

26,572190,927

190,927

4,699,124 591,373

4,107,751 1,332,148

2,775,6032,685,833

89,770

572,372301,940

874,312

194,120

194,120

617,1821,000,000

(382,818)513,316

1,130,498 13,962,683

3.8%8.0%

-4.2%4.4%

10.5%-6.1%8.1%

14.5%-6.4%4.2%4.8%8.5%

35.1%20.0%15.1%

31-Dec-19Audited

AUDITED FINANCIAL STATEMENTS AND OTHER DISCLOSURES AS AT 31ST DEC 2020HEAD OFFICE: P.O Box 26219 GPO 00100 NAIROBI, •• TEL: 2843000

3. OTHER DISCLOSURES

2. STATEMENT OF COMPREHENSIVE INCOME

1. STATEMENT OF FINANCIAL POSITION

A 1 2 3 4 5

6 7 8 9

10 11 12 13 14 15 16 17 18 19 20 21

B 22 23 24 25 26 27 28 29 30 31 32 33 34

C 35 36 37 38 39 40 41 42 43 44

ASSETSCash balances ( both local & foreign)Balances due from Central Bank of KenyaKenya Government and other securities held for dealing purposesFinancial Assets at Fair value through Profit and lossInvestment Securitiesa) Held to Maturity; i. Kenya Government securities i. Other securitiesa) Available for sale; i. Kenya Government securities i. Other securitiesDeposits and balances due from local banking institutionsDeposits and balances due from banking institutions abroadTax recoverableFinancing Activities (net) Balances due from Banking instituion in the groupInvestments in associatesInvestments in subsidiary companiesInvestment in joint venturesInvestment propertiesProperty and equipment Prepaid operating rental leasesIntangible assetsDeferred tax assetRetirement benefit assetOther assetsTOTAL ASSETS LIABILITIESBalances due to Central Bank of KenyaCustomer depositsDeposits and balances due to local banking institutions Deposits and balances due to foreign banking institutions Other money market depositsBorrowed fundsBalances due to Banking instituion in the groupTax payableDividends payableDeferred tax liabilityRetirement benefit liabilityOther liabilitiesTOTAL LIABILITIESSHAREHOLDERS' EQUITYPaid up/Assigned capital Share premiumRevaluation reservesRetained earnings/ Accumulated lossesStatutory financing loss reserveOther ReservesProposed dividendsCapital grantsTOTAL SHAREHOLDERS' FUNDSTOTAL LIABILITIES AND SHAREHOLDERS' FUNDS

1

2

3 4

5 6

7 8 9 10 11 12 13

14 15

1.11.21.31.41.5

2.12.22.32.4

4.14.24.34.44.54.6

6.16.26.36.46.56.66.76.8

13.113.213.313.413.5

OPERATING INCOMEFinancing Activities (Deals)Government securities.Deposits and placements with banking institutionsOther related incomeTotal Operating incomeEXPENSES ON DEPOSITSCustomer depositsDeposits and placements from banking institutionsOther related expensesTotal Expenses on DepositsNET OPERATING INCOMENON- OPERATING INCOMEFees and commissions on financing activity'sOther fees and Commissions incomeForeign exchange incomeDividend IncomeOther income.Total Non Operating IncomeTOTAL INCOMEOPERATING EXPENSESFinancing loss provisionStaff costsDirectors' emolumentsRental chargesDepreciation on property and equipmentAmortization chargesOther operating expensesTotal Other Operating ExpensesProfit/(loss) before tax and exceptional itemsExceptional itemsProfit/(loss) before tax Current taxDeferred tax assetProfit / (loss) after tax & exceptional itemsOther Comprehensive IncomeGains/Losses from Translating the F/S of Foreign OperationsFair Value changes in Availabe for sale Financial assetsRevaluation surplus on property,plant & equipmentsShare of other comprehensive income of associatesIncome tax relating to components of other comprehensive incomeOther comprehensive Income for the year net of taxTotal Comprehensive Income for the year

1

2

3

4

5

NON PERFORMING FACILITIESa) Gross Non-Performing Facilitiesb) Less suspended Incomec)Total Non Performing Facilities (a-b)d) Less financing loss provisionse) Net NPLs (c-d)f) Discounted value of securitiesg) Net NPLs exposure (e-f)INSIDER FACILITYa) Directors, shareholders and associatesb) Employeesc) Total Insider FacilityOFF BALANCE SHEET ITEMSa) Letter of Credit, guarantees, acceptancesb) Forward, swaps & Optionsc) Other contigent Liabilitiesd) Total Contigent LiabilitiesCAPITAL STRENGTHa) Core Capitalb) Minimum statutory capitalc) Excess/ deficiency (a-b)d) Supplementary capitale) Total Capital (a+d)f) Total Risk Weighted Assetsg) Core Capital/ Total Deposit Liabilitiesh) Minimum Statutory ratioi) Excess/deficiency (g-h)j) Core Capital/ Total Risk Weighted Assetsk) Minimum statutory ratiol) Excess/deficiency (j-k)m) Total Capital/ Total Risk Weighted assetsn) Minimum statutory ratioo) Excess/deficiency (m-n)

LIQUIDITYa) Liquidity ratiob) Minimum statutory ratioc) Excess/deficiency (a-b)

The Adjusted Capital includes the expected credit loss provisions added back to Capital in line with CBK Guidance Note issued in April 2018 on implementation of IFRS 9.

MESSAGE FROM DIRECTORSThese Financial Statements are extracts from the books of the institution as audited by PricewaterhouseCoopers (PWC) LLP and received an unqualified opinion. The complete set of the audited Statements,Statutory and qualitative disclosures can be accessed on the institution's website www.firstcommunitybank.co.ke or at our Headoffice located at FCB MihrabBuilding, Mezzanine 1, Lenana Road/Ring Road Kilimani,Nairobi .

FCB MIHRAB BUILDING, MEZZANINE 1, LENANA ROAD/RING ROAD KILIMANI, NAIROBI

31-Dec-20Audited

785,393 838,483

- -

- - -

- -

2,248,730 3,260,340

19,33812,618,737

94,400

871,476

53,575 603,341

552,735 21,946,547

18,819,060

218,846

126,433

-

731,412 19,895,752

491,578 1,474,735

(571,959) 656,441

2,050,79521,946,547

900,513 -

114,908

1,015,421

84,143 17,854 28,933

130,930884,491

17,927 284,391 95,010

10,243 407,571

1,292,062

33,090 381,970

1,500 335

58,076 16,062

562,660 1,053,694

238,369

238,369 (100,307)

47,593185,655

185,655

5,257,704 932,370

4,325,334 1,563,532

2,761,8022,785,426

23,624

450,047317,616

767,663

122,105

122,105

836,0491,000,000

(163,951)782,874

1,618,923 17,453,100

4.4%8.0%

-3.6%4.8%

10.5%-5.7%9.3%

14.5%-5.2%4.9%5.3%9.8%

37.2%20.0%17.2%

Abdullatif Essajee Dr. Hussein Hassan : Chief Executive Officer

: Chairman