tuusan
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- Jun 30, 2016
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Rayvanny anatuzo ya BET na ndio iyo alioshika Chibu, sasa hawajui wcb wako level ya mbele sana...
Yani wakat chibu anakua nominated me mara ya pili huwez kuona tu jamaa anajua
Rayvanny anatuzo ya BET na ndio iyo alioshika Chibu, sasa hawajui wcb wako level ya mbele sana...We punda milia hujui chochote kuhusu mziki kaa kimya, hiyo sio mara ya kwanza Platnumz na WCB kufika hapo.. hii apa ni 2017 View attachment 1812339hao wapuuzi wote Platnumz ameshawakalisha kwenye tuzo tofautofauti, Kabati lake la tuzo zipo zaidi ya Hamsini View attachment 1812349View attachment 1812359wewe ndio ni walking died huna unachojua mfanya usafi airport wewe.. bro The best 007ongea na huyu mfanya usafi airport
Watanzania wengi ni fukara, benki hawatambui. Target customers ni employees na wanabiashara shupavu, kina mama ntilie na hawker kama wewe wa hand to mouth bank ni ya nini? challenges of doing business in a net poor economy.Rwanda, a darling of Kenyan banks with regional footprint
MONDAY JUNE 07 2021
An aerial view of Kigali, Rwanda on September 21, 2018. PHOTO | POOL
Summary
- Data by the Central Bank of Kenya (CBK) shows that Rwanda continues to dominate the East African region as the most profitable banking market for Kenyan lenders.
- Last year, Kenyan banks operating in the East African region made a combined profit of $119.53 million, or a 0.51 percent growth.
By JAMES ANYANZWA
More by this Author
KCB’s increased investment in Banque Populaire du Rwanda Plc (BPR) signals the increasing attraction of the landlocked country’s banking industry to Kenyan lenders.
Other African banks such as Nigerian banking giant, Access Bank Plc, have also shown huge interest in the country of more than 13 million people, by acquiring an additional 16.22 percent shareholding in its Rwandan subsidiary valued at $9.55 million thereby growing its stake in the Rwandan unit to 91.22 percent from 75 percent.
Data by the Central Bank of Kenya (CBK) shows that Rwanda continues to dominate the East African region as the most profitable banking market for Kenyan lenders for the third year in a row, signalling increased investment into one of Africa’s fastest growing economies.
CBK’s Bank Supervision annual report (2020) shows that Kenyan bank subsidiaries operating in Rwanda made the most profit before tax of Ksh3.55 billion ($33.17 million) in 2020, with Tanzania being the least profitable banking market that generated a paltry Ksh641.13 million ($5.99 million) of gross earnings.
Rwanda is followed by Uganda which made a profit of Ksh3.53 billion ($32.99 million), Democratic Republic of Congo that realised Ksh1.87 billion ($17.47 million) profit, South Sudan (Ksh1.33 billion, $12.42 million), Mauritius (Ksh1.19 billion, $11.12 million) and Burundi (Ksh661.44 million, $6.18 million).
Last year, Kenyan banks operating in the region saw a combined profit of Ksh12.79 billion ($119.53 million), representing 0.51 percent growth from Ksh12.72 billion ($118.8 million) in 2019.
“The impact of Covid-19 that continues to disrupt growth in global markets has impaired profitability of the Kenyan banks across borders,” the report says.
Kenyan banks operating in Rwanda are Equity, KCB, NCBA and I&M.
KCB is also in the process of acquiring Banque Populaire du Rwanda Plc from British financial services conglomerate Atlas Mara (62 percent) and other minority shareholders (38 percent).
According to the report Rwanda contributed the highest earnings capacity translating to 27.75 percent of the total profits while subsidiaries operating in Tanzania were the least profitable and contributed five percent of the total profits of combined subsidiaries in all host countries.
“The performance in Tanzania was affected by losses reported by some subsidiaries attributed to provisions for loan losses,” according to the report.
Gross loan book
In 2018 and 2019 Rwandan banking market also offered the highest earnings capacity for Kenyan lenders despite having fewer regional banking subsidiaries compared to Uganda and Tanzania
The performance of Tanzania subsidiaries was attributed to low business due to increased competition in a market dominated by established local players.
Last year, the combined gross loans for Kenyan subsidiaries in the host countries increased by 25.2 percent to Ksh421.1 billion ($3.93 billion) from Ksh336.4 billion ($3.14 billion) in 2019.
The Kenyan banks operating in Tanzania recorded the highest level of gross loans at $981.3 million accounting for 25 percent of gross loans in all the subsidiaries outside Kenya.
This was followed by subsidiaries in DRC which accounted for 23 percent of the gross loans while Uganda and Rwanda accounted for 18 percent and 17 percent of the gross loans respectively.
Mauritius recorded gross loans of $579.43 million accounting for 15 percent of gross loans.
Kenyan subsidiaries accounted for a combined deposit base of Ksh746 billion ($6.97 billion) in 2020 compared with Ksh514.4 billion ($4.8 billion) in 2019, with the main contributor of deposits being Equity Group’s subsidiary in DRC, Banque Commerciale Du Congo with total deposits of Ksh243 billion ($2.27 billion) representing 33 percent of total deposits of subsidiaries in host countries.
Rwanda, a darling of Kenyan banks with regional footprint
Data by the CBK shows that Rwanda continues to dominate the East African region as the most profitable banking market for Kenyan lenders.www.theeastafrican.co.ke
MY TAKE
Kuna mabenki ya Kenya yapo Tanzania zaidi ya miaka 15 na bado yanatengeneza hasara!
Mbona unakimbia na hakuna anae kukimbiza? how sure are u ni mkenya? na kwanini unasoma your thoughts into someanoe's response? mtu katoa just a different opinion, kwa mtazamo wake., alafu pia the first one is a mere opinion, which is relative, not a fact.😂😂😂 inferiority complex ni mbaya, yaani mtu ametoa maoni yake kivyake wewe umeona ni mkenya kwa vile haiyambatani na fikra zako finyu., the dude must be a south African, ama kwa vile jina ni Achien Lazro Achien.., not a kenyan name even😂😂😂😂 uko na matatizo sana., nenda ukatolewe mapepo wewe 😂 😂 😂 😂
Haya sikieni hii kenge 🤣🤣🤣 hapo hapo tanzania inamillionares mara tatu ya kenya uganda and rwanda combinedWatanzania wengi ni fukara, benki hawatambui. Target customers ni employees na wanabiashara shupavu, kina mama ntilie na hawker kama wewe wa hand to mouth bank ni ya nini? challenges of doing business in a net poor economy.
Hata leo ukiangalia idadi ya bank tanzania na kenya, still tanzania ina bank nyingi sana zenye ushindani tofaut na kenya unakuta bank mbili ndio zinatamba kenya nzima, ukirudi kwenye telecom same issue only safarivom playing the game naskia sasa hvu airtel anahemea mipira ya mikojo 🤣🤣Watanzania wengi ni fukara, benki hawatambui. Target customers ni employees na wanabiashara shupavu, kina mama ntilie na hawker kama wewe wa hand to mouth bank ni ya nini? challenges of doing business in a net poor economy.
kesho kutwa anaenda mwanza kuweka jiwe la msingi la SGR lot 5.. lots 3 na 4 soon mkandaras atapatikana [emoji91]
(kama nimemsikia vizur kasema mkandaras sio wakandaris.. mean lots 3 na 4 zitajengwa pamoja) probably tutapata taarifa zaid akiwa mwanza
akiwa mwanza atazindua meli mbili.. ya abiria na mizigo
Perfectly suits you: 👇 👇Haya sikieni hii kenge 🤣🤣🤣 hapo hapo tanzania inamillionares mara tatu ya kenya uganda and rwanda combined
tanzania ni nchi ambayo ili ufanikiwe biashara lazma uwe mshindani wa kindakindaki sio unaleta siasa eti 1m dollar investment alaf unataka uwe wewe kama ww 🤣🤣🤣
dangote kaekeza over 750m usd na bado watu wamekaza kwenye cement anapelekwa kama kawaida wewe unaongea nn
Ukiambiwa wewe ni semi illitrate unapinga, punguani😂😂😂😂,., mafukara EAC na SADC.😂😂😂Haya sikieni hii kenge 🤣🤣🤣 hapo hapo tanzania inamillionares mara tatu ya kenya uganda and rwanda combined
Yaani haujui maana ya net wealth wewe, hakuna siku Tanzania itakua juu ya Kenya ever.., mtu moja moja kukua multi millionaire sio mafukara wote TanzaniaHaya sikieni hii kenge 🤣🤣🤣 hapo hapo tanzania inamillionares mara tatu ya kenya uganda and rwanda combined
tanzania ni nchi ambayo ili ufanikiwe biashara lazma uwe mshindani wa kindakindaki sio unaleta siasa eti 1m dollar investment alaf unataka uwe wewe kama ww 🤣🤣🤣
dangote kaekeza over 750m usd na bado watu wamekaza kwenye cement anapelekwa kama kawaida wewe unaongea nn
Sihitaji hasira madamu dawa imepenya nikupe hongera 😅😅😅😅Perfectly suits you: 👇 👇
"It’s hard to win an argument with a smart person, but it’s damn near impossible to win an argument with a stupid person"
🤣🤣🤣👇👇👇👇Ukiambiwa wewe ni semi illitrate unapinga, punguani😂😂😂😂,., mafukara EAC na SADC.😂😂😂
Haya sikieni hii kenge 🤣🤣🤣 hapo hapo tanzania inamillionares mara tatu ya kenya uganda and rwanda combined
tanzania ni nchi ambayo ili ufanikiwe biashara lazma uwe mshindani wa kindakindaki sio unaleta siasa eti 1m dollar investment alaf unataka uwe wewe kama ww 🤣🤣🤣
dangote kaekeza over 750m usd na bado watu wamekaza kwenye cement anapelekwa kama kawaida wewe unaongea nn
Funzo kwako: Wealth per capita bado sana!!., yaani on average number ya the rich from million dollars upwards..,Sihitaji hasira madamu dawa imepenya nikupe hongera 😅😅😅😅