Total Interest Income: 12,166,365K
Total Interest Expense: 2,126,208K

Net Interest Income: 10,040,157K
Total Non-Interest Income: 4,782,,011K

Total Operating Income: 14,822,168K
Total Operating Expenses: 8,386,854K

PBT: 6,435,314K
PAT: 4,552,192K

EPS: Ksh. 0.84
Dividend: Ksh.020 payable 09 October 2015
Register closes: 04 September 2015

For a bank, the Kenyan market size is adequate. They only need to work harder. Their elitist mentality is what is ailing them. Pesa iko mashinani!

BBK shot themselves in the foot. It was THE BANK in Kenya in the 90s and early 2000s. SCBK was a distant second. KCB was propped up by GoK.

Then came some bone-headed decision to reduce branches, kick out aspiring Kenyans as customers, etc.

Equity came in & bought the branches that BBK & SCBK were selling. They also took over the customers. And the tables were turned.

In addition, BBK (& SCBK) are restricted to Kenya thus they cannot expand beyond KE. That's OK for customers since BBK is part of ABSA but not for shareholders. If BBK had become BBEA [absorbing BBU & BBT] there would have been much to celebrate for BBK shareholders.

BBK is for those shareholders who want a steady [not growth] bank for steady dividends.
For the rest of us... Equity, I&M, NIC, DTB, etc beckon. These home-grown banks have got strong local operations plus are growing their African footprint.

Insurance money is free float and cheap source of deposits. If Barclays Kenya get it right, they will make a tidy sum from the bancassurance offshoot