My expectations:

Equity to continue leading the pack but the "foreign" banks - SCBK & BBK to claw back some ground on account of recent windfalls on foreign exchange trading. KCB & CoopBank to continue with their upward momentum but KCB not as robust as it could be.

Mid tier banks to underwhelm on account of their reliance on bond trading in 2010.

What say you?

I have observed that KCB is good at QoQ growth. The momentum for 2010 Q1 started at 15% to close at 56%. This year Q1 has kicked off @33%. Ceteris Parabus we can close @100% especially now that all Subsidiaries are in the green..some spice should come in from T-Bill income, spike in fees & commissions due to increased business & forex income thanks to the high volatility. Downside includes one-off consolidation/rationalization costs (which should be lower than expansion costs anyway), increase in provisions for bad debts & increase in utility costs (elec)-misc. costs.

But if u may so wish, when nobody is looking, u get to accumilate for cheap & with the luxury of time

i dont think u can write off bbk even though there doesnt seem to be much activity in its operations. bbk is nt jus sittin there n watch things happen as its leadership position is taken away. i believe there is smthing big in the offing that bbk in plannin to unleash that will protect its position...I STRONGLY BELIEVE THERE IS..

Equity has slowed down lending. They are lending cautiously and loans are taking longer to be aproaved as they are being thoroughly scrutinised. Their advance salary bonanza has clasified most of their civil servants with CRB after they refused to pay. But they always come up with new avenues of income generation, lets wait and see.