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150 Pages«<148149150
Law Capping interest rates
young
#2981 Posted : Thursday, November 14, 2019 12:44:04 PM
Rank: Elder


Joined: 6/20/2007
Posts: 2,033
Location: Lagos, Nigeria
Ericsson wrote:
Barclays bank Kenya share price back to pre-interest rates repeal level


Yep @Ericsson
The same with STANCHART.

A time to load up more the high dividend yield reliables.

I expect BBK lower at 11.20 in days ahead and stanchart at 190 to 195.

With this one can be sure of at least 9% dividend yield (FY ie interim and final in 2020)


Here is the mathematics
ON BBK

0.9 final & 0.2 interim = 1.1

Div yield = 1.1/11.20%


= 9.8% (Gross)

ON STANCHART
14.0 final + 5.0 interim= 19

Div yield = 19/195%= 9.7% (Gross)


These 2 counters are real retirees (income) counters. Not so good for speculators.
The wazua spirit as members is to educate and inform and learn from others within the limit of what we know in any chosen area irrespective of our differences in tribes, nationalities, etc. .
Ericsson
#2982 Posted : Monday, November 18, 2019 11:17:11 AM
Rank: Elder


Joined: 12/4/2009
Posts: 10,475
Location: NAIROBI
https://www.businessdail...52380-8kitvz/index.html

The top nine banks- classified by CBK as large—added 337,004 accounts with more than Sh100, 000 between January 2016 and December 2018.

In contrast, the small and medium-sized banks witnessed a drop in the number of quality savers by 176, 244 accounts or 36.5 percent to 305,688 last year.
In the three years to 2018, KCB , Equity, Co-operative Bank, Standard Chartered Bank, Barclays Bank of Kenya, Diamond Trust Bank, Commercial Bank of Africa Limited, Stanbic Bank Kenya and I&M Bank all gained more customers with savings above Sh100,000.

But small and mid-sized lenders like Spire Bank, Habib Bank AG Zurich, Sidian Bank, Paramount Bank, Guardian Bank Limited, Consolidated Bank, Bank of Africa, Development Bank and First Community Bank reported declines in accounts holding over Sh100, 000.
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
wukan
#2983 Posted : Monday, November 18, 2019 11:48:54 AM
Rank: Veteran


Joined: 11/13/2015
Posts: 1,525
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.
Ericsson
#2984 Posted : Monday, November 18, 2019 11:55:08 AM
Rank: Elder


Joined: 12/4/2009
Posts: 10,475
Location: NAIROBI
wukan wrote:
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve
Correct.
GoK/Treasury will crowd out private sector in getting credit from the commercial banks

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.

Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
Ericsson
#2985 Posted : Friday, November 22, 2019 1:26:12 PM
Rank: Elder


Joined: 12/4/2009
Posts: 10,475
Location: NAIROBI
Kenyan lawmakers passed law on Wednesday requiring both national and county govts to hold accounts with the CBK. National and regional govt payments will be made from CBK acs. Separate proposed law to have ministries and state corporations hold acs at CBK/State owned banks -Source Bloomberg
The argument has been that the national govt has been borrowing while some counties/ministries/corporations have been holding surplus cash which unnecessarily increases borrowing. Probably why CBK raised its capital?

this is the trend its called single transaction account its been implemented in tanzania already all revenues and payments are processed centrally for the entire goverment. If all payments are automated you will see an increase in revenue
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
Ericsson
#2986 Posted : Friday, November 22, 2019 1:31:43 PM
Rank: Elder


Joined: 12/4/2009
Posts: 10,475
Location: NAIROBI
https://pbs.twimg.com/me...ormat=jpg&name=large
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
aemathenge
#2987 Posted : Saturday, November 23, 2019 7:13:40 PM
Rank: Elder


Joined: 10/18/2008
Posts: 3,434
Location: Kerugoya
I have absolutely NO idea what THIS means. None whatsoever. Would someone please be kind enough and interpret what Inzillia Sasi in going on about? Please? Thank you.

Copy and Paste Extract

Quote:
Stanbic Bank Goes for the Tiered Interest Rate Model After Cap Removal

By Inzillia Sasi - November 20, 2019

As for the decision to welcome the uncapped interest, the lender holds that in the wider interest of the economy to have a low cost of credit, there is a need to focus more on the drivers and the underlying causes of the high cost of credit as a complementary approach to fix the price of credit by legislation.

While the bank may be cautious not to scare away existing customers and still attract new borrowers, sooner or later, both the risky and borrowers will be caught up in the differentiated interest rates, that commercial banks are quickly adopting.


Source Link:
passiveinvestor
#2988 Posted : Monday, November 25, 2019 10:13:49 AM
Rank: Member


Joined: 12/8/2006
Posts: 104
:) Baffling indeed. Either a terrible author or this is a bot. Here's another piece "Much is not said about women in business and the fact that they face twice the hurdles of making a name for themselves in the male-dominated industry has not been addressed with the seriousness it deserves." One of the key triggers for suspecting a bot (esp. using algorithms written by non native english speakers) is the grammar. It is ALMOST intelligible, but not quite.
On the other end, we have the makaratasi media that writes 1 hr. before deadline after numerous JD's
aemathenge
#2989 Posted : Monday, November 25, 2019 4:39:40 PM
Rank: Elder


Joined: 10/18/2008
Posts: 3,434
Location: Kerugoya
passiveinvestor wrote:
:) Baffling indeed. Either a terrible author or this is a bot. Here's another piece "Much is not said about women in business and the fact that they face twice the hurdles of making a name for themselves in the male-dominated industry has not been addressed with the seriousness it deserves." One of the key triggers for suspecting a bot (esp. using algorithms written by non native english speakers) is the grammar. It is ALMOST intelligible, but not quite.
On the other end, we have the makaratasi media that writes 1 hr. before deadline after numerous JD's


Pheew.

Thank you. I thought old age was catching up on me.
wukan
#2990 Posted : Wednesday, November 25, 2020 9:55:30 AM
Rank: Veteran


Joined: 11/13/2015
Posts: 1,525
wukan wrote:
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.


repeal of rate cap did not solve the problem and the lowest interest rate since the 80s has not stopped the default on loans. People still broke

Quote:
Banks have cut the cost of credit to levels last seen in the early 1980s and reduced appetite to extend credit to high-risk borrowers in the wake of the Covid-19 pandemic that has raised defaults to a 13-year high.

Latest Central Bank of Kenya (CBK) data shows that lending rates fell to an average of 11.75 percent in September following a consistent drop in the regulator’s benchmark lending rate.

This is the lowest average lending rate since the CBK started disclosing the rate in July 1991 during the reign of the then Moi-era governor Eric Kotut and matches annual borrowing costs disclosed by the World Bank in 1980.

The drop has eased fears of a rise in the cost of credit after the removal of the interest rate cap last November following pressure from banks and the International Monetary Fund (IMF).

The removal of the legal cap led to fears of a likely return to the era of high cost of loans, which had at one point hit 25 percent.
https://www.businessdail...vel-since-1980s-3209128



Ericsson
#2991 Posted : Wednesday, November 25, 2020 10:25:17 AM
Rank: Elder


Joined: 12/4/2009
Posts: 10,475
Location: NAIROBI
wukan wrote:
wukan wrote:
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.


repeal of rate cap did not solve the problem and the lowest interest rate since the 80s has not stopped the default on loans. People still broke

Quote:
Banks have cut the cost of credit to levels last seen in the early 1980s and reduced appetite to extend credit to high-risk borrowers in the wake of the Covid-19 pandemic that has raised defaults to a 13-year high.

Latest Central Bank of Kenya (CBK) data shows that lending rates fell to an average of 11.75 percent in September following a consistent drop in the regulator’s benchmark lending rate.

This is the lowest average lending rate since the CBK started disclosing the rate in July 1991 during the reign of the then Moi-era governor Eric Kotut and matches annual borrowing costs disclosed by the World Bank in 1980.

The drop has eased fears of a rise in the cost of credit after the removal of the interest rate cap last November following pressure from banks and the International Monetary Fund (IMF).

The removal of the legal cap led to fears of a likely return to the era of high cost of loans, which had at one point hit 25 percent.
https://www.businessdail...vel-since-1980s-3209128





The low interest rate is artificial
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
obiero
#2992 Posted : Monday, May 10, 2021 9:37:49 PM
Rank: Elder


Joined: 6/23/2009
Posts: 13,186
Location: nairobi
Hii Charter House iko na branch wapi

COOP 5,500 ABP12.6; HF 286,000 ABP 3.49; KCB 7,500 ABP 36; KQ 414,100 ABP 7.92; MTN 15,750 ABP 6.45
obiero
#2993 Posted : Sunday, September 25, 2022 7:03:01 AM
Rank: Elder


Joined: 6/23/2009
Posts: 13,186
Location: nairobi
Ericsson wrote:
wukan wrote:
wukan wrote:
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.


repeal of rate cap did not solve the problem and the lowest interest rate since the 80s has not stopped the default on loans. People still broke

Quote:
Banks have cut the cost of credit to levels last seen in the early 1980s and reduced appetite to extend credit to high-risk borrowers in the wake of the Covid-19 pandemic that has raised defaults to a 13-year high.

Latest Central Bank of Kenya (CBK) data shows that lending rates fell to an average of 11.75 percent in September following a consistent drop in the regulator’s benchmark lending rate.

This is the lowest average lending rate since the CBK started disclosing the rate in July 1991 during the reign of the then Moi-era governor Eric Kotut and matches annual borrowing costs disclosed by the World Bank in 1980.

The drop has eased fears of a rise in the cost of credit after the removal of the interest rate cap last November following pressure from banks and the International Monetary Fund (IMF).

The removal of the legal cap led to fears of a likely return to the era of high cost of loans, which had at one point hit 25 percent.
https://www.businessdail...vel-since-1980s-3209128





The low interest rate is artificial

If CRB scoring is tinkered with by government interference as anticipated by the new administration, expect return of high rates. Dawa ya deni ni kulipa. You don't get listed if you repay on time, the 15m Kenyans stated as being on CRB, know well how it happened. Yes downturns do happen, but that cannot be on all the 15m people. There's a bad borrowing culture

COOP 5,500 ABP12.6; HF 286,000 ABP 3.49; KCB 7,500 ABP 36; KQ 414,100 ABP 7.92; MTN 15,750 ABP 6.45
Angelica _ann
#2994 Posted : Monday, September 26, 2022 10:37:05 AM
Rank: Elder


Joined: 12/7/2012
Posts: 11,876
obiero wrote:
Ericsson wrote:
wukan wrote:
wukan wrote:
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.


repeal of rate cap did not solve the problem and the lowest interest rate since the 80s has not stopped the default on loans. People still broke

Quote:
Banks have cut the cost of credit to levels last seen in the early 1980s and reduced appetite to extend credit to high-risk borrowers in the wake of the Covid-19 pandemic that has raised defaults to a 13-year high.

Latest Central Bank of Kenya (CBK) data shows that lending rates fell to an average of 11.75 percent in September following a consistent drop in the regulator’s benchmark lending rate.

This is the lowest average lending rate since the CBK started disclosing the rate in July 1991 during the reign of the then Moi-era governor Eric Kotut and matches annual borrowing costs disclosed by the World Bank in 1980.

The drop has eased fears of a rise in the cost of credit after the removal of the interest rate cap last November following pressure from banks and the International Monetary Fund (IMF).

The removal of the legal cap led to fears of a likely return to the era of high cost of loans, which had at one point hit 25 percent.
https://www.businessdail...vel-since-1980s-3209128





The low interest rate is artificial

If CRB scoring is tinkered with by government interference as anticipated by the new administration, expect return of high rates. Dawa ya deni ni kulipa. You don't get listed if you repay on time, the 15m Kenyans stated as being on CRB, know well how it happened. Yes downturns do happen, but that cannot be on all the 15m people. There's a bad borrowing culture


The current lending rates charged by digital loan leaders is just too high and not sustainable. That is what needs to be restructured.
In the business world, everyone is paid in two coins - cash and experience. Take the experience first; the cash will come later - H Geneen
radio
#2995 Posted : Monday, September 26, 2022 4:56:30 PM
Rank: Veteran


Joined: 11/9/2009
Posts: 2,002
Angelica _ann wrote:
obiero wrote:
Ericsson wrote:
wukan wrote:
wukan wrote:
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.


repeal of rate cap did not solve the problem and the lowest interest rate since the 80s has not stopped the default on loans. People still broke

Quote:
Banks have cut the cost of credit to levels last seen in the early 1980s and reduced appetite to extend credit to high-risk borrowers in the wake of the Covid-19 pandemic that has raised defaults to a 13-year high.

Latest Central Bank of Kenya (CBK) data shows that lending rates fell to an average of 11.75 percent in September following a consistent drop in the regulator’s benchmark lending rate.

This is the lowest average lending rate since the CBK started disclosing the rate in July 1991 during the reign of the then Moi-era governor Eric Kotut and matches annual borrowing costs disclosed by the World Bank in 1980.

The drop has eased fears of a rise in the cost of credit after the removal of the interest rate cap last November following pressure from banks and the International Monetary Fund (IMF).

The removal of the legal cap led to fears of a likely return to the era of high cost of loans, which had at one point hit 25 percent.
https://www.businessdail...vel-since-1980s-3209128





The low interest rate is artificial

If CRB scoring is tinkered with by government interference as anticipated by the new administration, expect return of high rates. Dawa ya deni ni kulipa. You don't get listed if you repay on time, the 15m Kenyans stated as being on CRB, know well how it happened. Yes downturns do happen, but that cannot be on all the 15m people. There's a bad borrowing culture


The current lending rates charged by digital loan leaders is just too high and not sustainable. That is what needs to be restructured.


The high rates are due to high default rate.

Borrowers turn to digital loan with clear knowledge of the rates.

Let the government focus on financial education.
obiero
#2996 Posted : Monday, September 26, 2022 8:39:29 PM
Rank: Elder


Joined: 6/23/2009
Posts: 13,186
Location: nairobi
radio wrote:
Angelica _ann wrote:
obiero wrote:
Ericsson wrote:
wukan wrote:
wukan wrote:
Kenya's tiny shrinking middle class...we have a structural problem with our economy which the repeal of rate cap won't solve

Quote:
The number of Kenyans with more than Sh100, 000 as savings in their bank accounts dropped for the first time in more than 13 years, reflecting the cash flow problems in an economy plagued by job cuts and modest economic activity.

The CBK data shows that savers with more than Sh100,000 in their bank accounts dropped to 1,445, 590 last year, down from 1,583,000 in 2017 — the first fall since 2006 when the regulator began making such deposit data public.


repeal of rate cap did not solve the problem and the lowest interest rate since the 80s has not stopped the default on loans. People still broke

Quote:
Banks have cut the cost of credit to levels last seen in the early 1980s and reduced appetite to extend credit to high-risk borrowers in the wake of the Covid-19 pandemic that has raised defaults to a 13-year high.

Latest Central Bank of Kenya (CBK) data shows that lending rates fell to an average of 11.75 percent in September following a consistent drop in the regulator’s benchmark lending rate.

This is the lowest average lending rate since the CBK started disclosing the rate in July 1991 during the reign of the then Moi-era governor Eric Kotut and matches annual borrowing costs disclosed by the World Bank in 1980.

The drop has eased fears of a rise in the cost of credit after the removal of the interest rate cap last November following pressure from banks and the International Monetary Fund (IMF).

The removal of the legal cap led to fears of a likely return to the era of high cost of loans, which had at one point hit 25 percent.
https://www.businessdail...vel-since-1980s-3209128





The low interest rate is artificial

If CRB scoring is tinkered with by government interference as anticipated by the new administration, expect return of high rates. Dawa ya deni ni kulipa. You don't get listed if you repay on time, the 15m Kenyans stated as being on CRB, know well how it happened. Yes downturns do happen, but that cannot be on all the 15m people. There's a bad borrowing culture


The current lending rates charged by digital loan leaders is just too high and not sustainable. That is what needs to be restructured.


The high rates are due to high default rate.

Borrowers turn to digital loan with clear knowledge of the rates.

Let the government focus on financial education.

True. The problem is with the borrower. And tilting the scoring tool will just make things trickier. Financial education may be the key

COOP 5,500 ABP12.6; HF 286,000 ABP 3.49; KCB 7,500 ABP 36; KQ 414,100 ABP 7.92; MTN 15,750 ABP 6.45
obiero
#2997 Posted : Wednesday, October 05, 2022 9:50:27 AM
Rank: Elder


Joined: 6/23/2009
Posts: 13,186
Location: nairobi
Horton wrote:
obiero wrote:
Fyatu wrote:
VituVingiSana wrote:
Fyatu wrote:
which bank at current prices will deliver > 5 bagger?I dont see KCB and Equity rallying x5times i.e., There is no way KCB and Equity will rally to 200bob. Thus i repeat the question....which listed bank will deliver greater than 5 bagger? Lets speculate
After ARM you still want to speculate? Laughing out loudly Laughing out loudly Laughing out loudly


Laughing out loudly Laughing out loudly Laughing out loudly Laughing out loudly

NCBA may just be the one


Too many unknowns here

Best performing stock this year

COOP 5,500 ABP12.6; HF 286,000 ABP 3.49; KCB 7,500 ABP 36; KQ 414,100 ABP 7.92; MTN 15,750 ABP 6.45
obiero
#2998 Posted : Wednesday, October 05, 2022 9:52:06 AM
Rank: Elder


Joined: 6/23/2009
Posts: 13,186
Location: nairobi
obiero wrote:
obiero wrote:
obiero wrote:
obiero wrote:
whiteowl wrote:
obiero wrote:
obiero wrote:
obiero wrote:
obiero wrote:
obiero wrote:
obiero wrote:
sparkly wrote:
obiero wrote:
MaichBlack wrote:
Ebenyo wrote:
obiero wrote:
I told you guys to sell off bank stocks in 2014. Luckily made it out of some major holdings in good time..


but a big percent of your portfolio is still in banks!

so, what do you expect to be a fair hair cut on obieros portfolio as a result of kamwanaas house attempt to please Wanjiku. what will be the overall industries' hit in percentage. my fair guess from my lender's perspective
(16-14.5)/(16*0.5)*100=18.75% conservetively
thieves.

COOP & HF will come out strongest in this.. Too little meat to be bitten out from the two. Plus HF has never been strong on deposits being only licensed to have current accounts a few months ago!! HF will have the least interest expense of all listed lenders

Hey @Obiero. Bill not signed. And please note I did not put the word 'yet' at the end.

Its bound to be signed on Monday 29th Aug 2016


The bankers will visit statehouse with big brown envelop and this story will be forgotten.

Smaller banks will fold

Here we are...
Family fires it's staff https://citizentv.co.ke/...fs-to-cut-costs-143841/
and then Sidian lays off 108 workers http://www.businessdaily...9550-3428588-151f209z/,
then Ecobank collapses 9 branches http://www.businessdaily...6506-316lohz/index.html
First Community Bank let go of a quarter of its staff http://www.the-star.co.k...osed-number-of_c1451638
And now BoA closes 12 branches. Sad state of affairs http://www.businessdaily...2926-jp394sz/index.html

Sidian, NBK, Family, HF, NIC struggling.. Small banks shall fold

The goose is cooked for NBK


NBK has 9 lives,it was supposed to go down even before Dubai bank but its still standing.

@whiteowl NBK in its current form and shape cannot survive.. It must be absorbed by a real bank. Smaller banks must close shop unless the caps are reversed http://www.nation.co.ke/...9774-14pykoy/index.html

Boom boom pow. Small banks have nowhere to turn

Another one down.. HF is likely to be eaten up by Equity

Smaller banks will continue to fold. NBK towel thrown in. The sector is halfway done with the M&A action

First Community Bank

COOP 5,500 ABP12.6; HF 286,000 ABP 3.49; KCB 7,500 ABP 36; KQ 414,100 ABP 7.92; MTN 15,750 ABP 6.45
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