No worries SPT (your name is too long). At least our data is consistent. I like keeping tabs on these things. It enables me to enter and exit in a timely manner.

SP, my guestimate is 25.7% growth in Profits After Tax. This is based on 3rd Qtr being just as good as Q2. I do not think Q3 grew much relative to Q2 as KCB did not have the funds from the rights until August. They were stretched pretty thin on CBK prudential ratios until after the rights money came through. Top Mgt would also have spent plenty of time and effort on ensuring the success of the rights issue.

Q4 is usually a problem with KCB due to provisions (that always seem to spring out of the woodwork).

This time round I hope there will be no nasty surprises. Should that be the case, touchwood, we could then see 40% growth in full year PAT . For risk control, I would say 25% would be a reasonable expectation.

How do you come up with your 22.78%? What item are you looking at, PBT or EPS?

I think people already have very high expectations for DTB, CFC, HF and EQUITY as you've said. The same cannot be said of KCB. If it manages above 25% growth, that will be fantastic in its own right and more investors will certainly take more notice of this behemoth

That will really excite the market and will pull KCB to KES 25 or more!

yeah i Know i know we can't be always right...

But at least MOO says they are on track to meet their target of 9billion PBT...

If you noticed their Q3 PBT of 6.5billion is more than 2009 FY PBT of 6.3billion