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CO-OP BANK HY2017
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obiero
#11 Posted : Thursday, August 24, 2017 10:00:11 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,217
Location: nairobi
Angelica _ann wrote:
18 bob by October!!!

It's possible..

KQ ABP 4.26
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Mukiri
#12 Posted : Monday, August 28, 2017 10:25:50 AM
Rank: Elder

Joined: 7/11/2012
Posts: 5,222
Angelica _ann wrote:
18 bob by October!!!

More like September.. 21 October

Proverbs 19:21
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Angelica _ann
#13 Posted : Monday, August 28, 2017 10:49:13 AM
Rank: Elder

Joined: 12/7/2012
Posts: 11,935
Mukiri wrote:
Angelica _ann wrote:
18 bob by October!!!

More like September.. 21 October


Firmly back to 17+++
In the business world, everyone is paid in two coins - cash and experience. Take the experience first; the cash will come later - H Geneen
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obiero
#14 Posted : Monday, August 28, 2017 6:02:35 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,217
Location: nairobi
Angelica _ann wrote:
Mukiri wrote:
Angelica _ann wrote:
18 bob by October!!!

More like September.. 21 October


Firmly back to 17+++

Slightly overpriced.. Fair value KES 16.50

KQ ABP 4.26
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Ericsson
#15 Posted : Wednesday, August 30, 2017 11:38:41 AM
Rank: Elder

Joined: 12/4/2009
Posts: 10,804
Location: NAIROBI
http://www.businessdaily...6382-151kjf4/index.html

Cooperative Bank of Kenya has overtaken Equity Bank to hold the second largest gross loan book in the banking sector as at the end of 2016, reflecting the latter’s shift to government securities following the rate cap.

The Central Bank of Kenya (CBK) 2016 banking supervision annual report shows that Co-op Bank had issued gross loans of Sh241.4 billion last year, ahead of Equity’s Sh221.03 billion.
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
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Angelica _ann
#16 Posted : Wednesday, August 30, 2017 11:47:26 AM
Rank: Elder

Joined: 12/7/2012
Posts: 11,935
Ericsson wrote:
http://www.businessdailyafrica.com/markets/Coop-Bank-overtakes-Equity-loans-issued-/539552-4076382-151kjf4/index.html

Cooperative Bank of Kenya has overtaken Equity Bank to hold the second largest gross loan book in the banking sector as at the end of 2016, reflecting the latter’s shift to government securities following the rate cap.

The Central Bank of Kenya (CBK) 2016 banking supervision annual report shows that Co-op Bank had issued gross loans of Sh241.4 billion last year, ahead of Equity’s Sh221.03 billion.


Could it be that as JM gets old, he is becoming more risk averse (from the risk taker of the yester years) and therefore the shift from Equity's aggressiveness to moderate moves we are witnessing of late?
In the business world, everyone is paid in two coins - cash and experience. Take the experience first; the cash will come later - H Geneen
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VituVingiSana
#17 Posted : Wednesday, August 30, 2017 1:45:45 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,347
Location: Nairobi
Angelica _ann wrote:
Ericsson wrote:
http://www.businessdailyafrica.com/markets/Coop-Bank-overtakes-Equity-loans-issued-/539552-4076382-151kjf4/index.html

Cooperative Bank of Kenya has overtaken Equity Bank to hold the second largest gross loan book in the banking sector as at the end of 2016, reflecting the latter’s shift to government securities following the rate cap.

The Central Bank of Kenya (CBK) 2016 banking supervision annual report shows that Co-op Bank had issued gross loans of Sh241.4 billion last year, ahead of Equity’s Sh221.03 billion.


Could it be that as JM gets old, he is becoming more risk averse (from the risk taker of the yester years) and therefore the shift from Equity's aggressiveness to moderate moves we are witnessing of late?

I don't think he is being less aggressive as much as "prudent" i.e. why not earn easy (default-free) returns from GoK instead of the drama of lending?
If and when the spreads are sufficiently widened, then Equity can jump back in through its mobile platforms.
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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obiero
#18 Posted : Wednesday, August 30, 2017 5:36:03 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,217
Location: nairobi
VituVingiSana wrote:
Angelica _ann wrote:
Ericsson wrote:
http://www.businessdailyafrica.com/markets/Coop-Bank-overtakes-Equity-loans-issued-/539552-4076382-151kjf4/index.html

Cooperative Bank of Kenya has overtaken Equity Bank to hold the second largest gross loan book in the banking sector as at the end of 2016, reflecting the latter’s shift to government securities following the rate cap.

The Central Bank of Kenya (CBK) 2016 banking supervision annual report shows that Co-op Bank had issued gross loans of Sh241.4 billion last year, ahead of Equity’s Sh221.03 billion.


Could it be that as JM gets old, he is becoming more risk averse (from the risk taker of the yester years) and therefore the shift from Equity's aggressiveness to moderate moves we are witnessing of late?

I don't think he is being less aggressive as much as "prudent" i.e. why not earn easy (default-free) returns from GoK instead of the drama of lending?
If and when the spreads are sufficiently widened, then Equity can jump back in through its mobile platforms.

Waiting will ensure that the ship has sailed.. It won't be easy to bring back the disgruntled leavers

KQ ABP 4.26
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alotoftalk
#19 Posted : Thursday, August 31, 2017 12:29:55 AM
Rank: Member

Joined: 8/27/2015
Posts: 138
Location: Harare
Angelica _ann wrote:
Ericsson wrote:
http://www.businessdailyafrica.com/markets/Coop-Bank-overtakes-Equity-loans-issued-/539552-4076382-151kjf4/index.html

Cooperative Bank of Kenya has overtaken Equity Bank to hold the second largest gross loan book in the banking sector as at the end of 2016, reflecting the latter’s shift to government securities following the rate cap.

The Central Bank of Kenya (CBK) 2016 banking supervision annual report shows that Co-op Bank had issued gross loans of Sh241.4 billion last year, ahead of Equity’s Sh221.03 billion.


Could it be that as JM gets old, he is becoming more risk averse (from the risk taker of the yester years) and therefore the shift from Equity's aggressiveness to moderate moves we are witnessing of late?


This maybe a strategy to create a new slate. My guess is they may have done their IFRS 9 expected credit loss projections on certain portfolios and impairments required may be huge due to historical loss trends. So the strategy is to shrink those portfolios and reduce required impairments in 2018 and then slowly rebuild a cleaner book with better loan underwriting.
Investment philosophy development in progress...
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sparkly
#20 Posted : Thursday, August 31, 2017 12:51:31 AM
Rank: Elder

Joined: 9/23/2009
Posts: 8,083
Location: Enk are Nyirobi
alotoftalk wrote:
Angelica _ann wrote:
Ericsson wrote:
http://www.businessdailyafrica.com/markets/Coop-Bank-overtakes-Equity-loans-issued-/539552-4076382-151kjf4/index.html

Cooperative Bank of Kenya has overtaken Equity Bank to hold the second largest gross loan book in the banking sector as at the end of 2016, reflecting the latter’s shift to government securities following the rate cap.

The Central Bank of Kenya (CBK) 2016 banking supervision annual report shows that Co-op Bank had issued gross loans of Sh241.4 billion last year, ahead of Equity’s Sh221.03 billion.


Could it be that as JM gets old, he is becoming more risk averse (from the risk taker of the yester years) and therefore the shift from Equity's aggressiveness to moderate moves we are witnessing of late?


This maybe a strategy to create a new slate. My guess is they may have done their IFRS 9 expected credit loss projections on certain portfolios and impairments required may be huge due to historical loss trends. So the strategy is to shrink those portfolios and reduce required impairments in 2018 and then slowly rebuild a cleaner book with better loan underwriting.


Break it down in English Bw. Auditor.
Life is short. Live passionately.
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