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DTB FY15 earnings up 11.4%
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VituVingiSana
#21 Posted : Thursday, March 10, 2016 10:02:31 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,349
Location: Nairobi
obiero wrote:
Boris Boyka wrote:
@Vvs do you see Equity having a better day in regional expansion through mobile banking cooperation with Airtel given airtel has more foot in other African countries?

@vvs knows very little about banking so I will take the liberty of answering on his behalf! Equity can only achieve massive mobile success in Kenya. Even UG and TZ have refused to catch the 'mpesa' buzz.. Its a Kenyan thing for now. And to make matters worse, the tie up between KCB &SCOM has left the brown bank naked.. They will survive though.. But KCB will be head and shoulders above


I am not a banking expert but I was fortunate enough to get a peek [with others] at the Equity 3.0 Roadmap. I was blown away. BLOWN AWAY.

Equity is testing Equitel in Kenya. I expect RW will be next since it is easier to pilot it in a smaller ex-Kenya country/market to learn the ropes. Then UG. I expect TZ will come much later after Equity sees how it works in UG.

During the presentation, Mwangi said growth is DRC [huge country] will be driven by Mobile Banking 1) Easier 2) Safer 3) Cheaper.

KCB/Safaricom is a formidable competitor who used political means, lawsuits and even sabotage to slow down Equitel but they failed. So in Kenya, KCB/Safaricom may dominate for a few more years but Equity/Equitel will steal a march over KCB in UG, RW and TZ.
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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watesh
#22 Posted : Thursday, March 10, 2016 10:04:15 PM
Rank: Veteran

Joined: 8/10/2014
Posts: 992
Location: Kenya
Pesa Nane wrote:
obiero wrote:
Boris Boyka wrote:
@Vvs do you see Equity having a better day in regional expansion through mobile banking cooperation with Airtel given airtel has more foot in other African countries?

@vvs knows very little about banking so I will take the liberty of answering on his behalf! Equity can only achieve massive mobile success in Kenya. Even UG and TZ have refused to catch the 'mpesa' buzz.. Its a Kenyan thing for now. And to make matters worse, the tie up between KCB &SCOM has left the brown bank naked.. They will survive though.. But KCB will be head and shoulders above

Memba has thrown regional expansion into the deep freezer

Good thinking, now time to grow those subsidiaries. The remaining countries in southern africa are pretty small so not much is being lost
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VituVingiSana
#23 Posted : Thursday, March 10, 2016 10:04:34 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,349
Location: Nairobi
enyands wrote:
Pesa Nane wrote:
obiero wrote:
Boris Boyka wrote:
@Vvs do you see Equity having a better day in regional expansion through mobile banking cooperation with Airtel given airtel has more foot in other African countries?

@vvs knows very little about banking so I will take the liberty of answering on his behalf! Equity can only achieve massive mobile success in Kenya. Even UG and TZ have refused to catch the 'mpesa' buzz.. Its a Kenyan thing for now. And to make matters worse, the tie up between KCB &SCOM has left the brown bank naked.. They will survive though.. But KCB will be head and shoulders above

Memba has thrown regional expansion into the deep freezer


Same thing with kk.expansion should be handled with extreme caution .

When @AGuy asked about NIC vs I&M vs DTB ... all 3 are cautious about (over)expansion. And I like that. We saw what happened at KQ.
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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Aguytrying
#24 Posted : Thursday, March 10, 2016 11:05:05 PM
Rank: Elder

Joined: 7/11/2010
Posts: 5,040
VituVingiSana wrote:
enyands wrote:
Pesa Nane wrote:
obiero wrote:
Boris Boyka wrote:
@Vvs do you see Equity having a better day in regional expansion through mobile banking cooperation with Airtel given airtel has more foot in other African countries?

@vvs knows very little about banking so I will take the liberty of answering on his behalf! Equity can only achieve massive mobile success in Kenya. Even UG and TZ have refused to catch the 'mpesa' buzz.. Its a Kenyan thing for now. And to make matters worse, the tie up between KCB &SCOM has left the brown bank naked.. They will survive though.. But KCB will be head and shoulders above

Memba has thrown regional expansion into the deep freezer


Same thing with kk.expansion should be handled with extreme caution .

When @AGuy asked about NIC vs I&M vs DTB ... all 3 are cautious about (over)expansion. And I like that. We saw what happened at KQ.

Uchumi before 2006.... The casualties are many.
The investor's chief problem - and even his worst enemy - is likely to be himself
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obiero
#25 Posted : Friday, March 11, 2016 6:16:32 AM
Rank: Elder

Joined: 6/23/2009
Posts: 14,224
Location: nairobi
all in all, a strong showing by DTB..
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Pesa Nane
#26 Posted : Sunday, March 13, 2016 12:38:15 PM
Rank: Elder

Joined: 5/25/2012
Posts: 4,105
Location: 08c
Aguytrying wrote:

I'm conflicted as follows. I want to hold 3 banking counters. Two tier 1. Kcb, equity. And one tier 2. Nic or Dtb or I M.

Or one tier 1 and two tier 2. But this seems abit risky.

Equity is a no brainer in both cases. Between kcb, nic, Dtb, I M. Which 2 should I pick??

I've already started buying nic and kcb below 40. But I'm still undecided. It's really confusing


Fundamentals in visual (Figures lifted from D&BIB)
Pesa Nane plans to be shilingi when he grows up.
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  | | Edit by user: Sunday, March 13, 2016 12:39 PM | Reason: Not specified
PKoli
#27 Posted : Sunday, March 13, 2016 3:36:34 PM
Rank: Elder

Joined: 2/10/2007
Posts: 1,587
Pesa Nane wrote:
Aguytrying wrote:

I'm conflicted as follows. I want to hold 3 banking counters. Two tier 1. Kcb, equity. And one tier 2. Nic or Dtb or I M.

Or one tier 1 and two tier 2. But this seems abit risky.

Equity is a no brainer in both cases. Between kcb, nic, Dtb, I M. Which 2 should I pick??

I've already started buying nic and kcb below 40. But I'm still undecided. It's really confusing


Fundamentals in visual (Figures lifted from D&BIB)

@Pesa nane,

Check market capitalisation values. They are not correct
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VituVingiSana
#28 Posted : Sunday, March 13, 2016 3:44:40 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,349
Location: Nairobi
PKoli wrote:
Pesa Nane wrote:
Aguytrying wrote:

I'm conflicted as follows. I want to hold 3 banking counters. Two tier 1. Kcb, equity. And one tier 2. Nic or Dtb or I M.

Or one tier 1 and two tier 2. But this seems abit risky.

Equity is a no brainer in both cases. Between kcb, nic, Dtb, I M. Which 2 should I pick??

I've already started buying nic and kcb below 40. But I'm still undecided. It's really confusing


Fundamentals in visual (Figures lifted from D&BIB)

@Pesa nane,

Check market capitalisation values. They are not correct


^o Liar Liar Not unexpected from D&B. Nice catch by @PKoli. Does anyone have the data/numbers prepared or compiled by Kestrel or African Alliance?
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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  | | Edit by user: Sunday, March 13, 2016 3:47 PM | Reason: Not specified
Pesa Nane
#29 Posted : Sunday, March 13, 2016 6:47:52 PM
Rank: Elder

Joined: 5/25/2012
Posts: 4,105
Location: 08c
VituVingiSana wrote:
PKoli wrote:
Pesa Nane wrote:
Aguytrying wrote:

I'm conflicted as follows. I want to hold 3 banking counters. Two tier 1. Kcb, equity. And one tier 2. Nic or Dtb or I M.

Or one tier 1 and two tier 2. But this seems abit risky.

Equity is a no brainer in both cases. Between kcb, nic, Dtb, I M. Which 2 should I pick??

I've already started buying nic and kcb below 40. But I'm still undecided. It's really confusing


Fundamentals in visual (Figures lifted from D&BIB)

@Pesa nane,

Check market capitalisation values. They are not correct


^o Liar Liar Not unexpected from D&B. Nice catch by @PKoli. Does anyone have the data/numbers prepared or compiled by Kestrel or African Alliance?

Noted. Source error and not a misrepresentation.
Figures can be corrected by working on multiples of 100 and 1000 (perhaps 0 means nothing smile )
Pesa Nane plans to be shilingi when he grows up.
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Aguytrying
#30 Posted : Sunday, March 13, 2016 7:58:11 PM
Rank: Elder

Joined: 7/11/2010
Posts: 5,040
@pesa nane. Thanks. Seeing the figures stacked up like that confirms what I'm doing. NIC is cheap. PB and pe wise,and that's why I started buying. Equity, Dtb still highly valued compared to their peers. Kcb is just around the sweet spot. Though I'd like the PB abit lower, can't have it all. Kcb eps looks disproportionate, esp compared with equity judging that they both experienced similar head winds in ss. Kcb, nic. 70- 80.00 in the next rise easy
The investor's chief problem - and even his worst enemy - is likely to be himself
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