90 is too good to think of though it won't get there this year, what i'm kind of sure of is that Kcb might be going past 30 before July reasons being:
1. As the triton loan had been provided for previously which directly affected earnings & with the positive court ruling we expect some increase in earnings to the tune of the recovery.
2. S&L can now provide upto a billion to one client on mortgage financing & are going to provide the same in UG, TZ, SS & Rwanda.
3. Improvement in the cost to income ratio
'They say money cannot buy me happiness but when i compare when i had none and now, i'm happier' Kevin O'leary