Significantly better PBT growth than Co-op.
I expect The Bank alone (Not Group) to grow by around 30 percent to 2.6B.
With the subsidiaries now making money, albeit not much, fanya hesabu...
I think the battle over the next few years will be on the expansion front. And JM has big big plans.
And of course who will make the most out of Agency Banking.
These are my opinions, not facts!

When do we expect CFC Bank and DTB to release Q1 results?

KCB cost of funds down 50% from 1B to 460M QoQ, Interest on loans 4.2B from 3.7B - 1 Rights Issue promise delivered. Those complaining about the wonderful 33% growth...let me take you through KCB's QoQ PBT growth momentum of FY2010 over FY2009...Q1-10%, Q2-16%, Q3-23%, Full Yr-56%. If U understand compound interest then do the translation using 33% Q1-FY2011. All factors held constant of-course....

What I'm carrying home from these results is that the subsidiaries are in profit territory. eps for bank 2.23, group 2.41. Very modest, but at least the subsids are not hemorrhaging.

Eish boss..u can say that again. Those subs cost the group 2B in FY2010!! It is a HUGE reason to be happy. Coz if they'd just broken even in FY2010 then we'd have closed @ PBT11.8B. >>> For those interested in the Chairman & C.E.O commentaries on this and previous results please visit the Investor Relations page on www.kcbbankgroup.com