Ochieng OlooCEO & Founder, Think Business

Limited

THE BANKING AWARDS

20I3

1. Introduction2. Performance Highlights3. Tier Structure4. Tier Rankings5. Tier Performance6. Judgment Criteria7. The Banking Awards

20138. The Banking Survey

20139. Ahead in the Year

OVERVIEW

Think Business Limited Where everyone believes in relevant, well

researched, timely and usable information as absolute power for decision making and economic development

Background to Survey: 14th Edition

Background to the Awards: 8 Edition

INTRODUCTION

PERFORMANCE HIGHLIGHTS

Total AssetsUp 15 % to Ksh 2.33 Trillion in FY12 from Ksh 2.02 Trillion in FY11

Total Loans Up 12% to Ksh 1.3 Trillion in FY12 from Ksh 1.2 Trillion in FY11

The Deposit Base

Grew by 15 % to Ksh 1.7 trillion in FY12 from Ksh 1.5 Trillion in FY11

ProfitabilityUp by 19 % to Ksh106 in FY12 from 89 Billion in FY11

Gross NPL Grew by 17 % to Ksh 62 Billion but were fully provided for with Net NPL dropping by 24 % to 37 Billion in FY12 from 49 Billion in FY11.

BANKING SURVEY

STRUCTURE

Central Bank of Kenya

Financial Institutions & Mortgage

Finance Institutions

(44)

Commercial Banks (43)(9 Listed on

NSE)

Privately Owned

Banks (40)(8 listed on

NSE)

Government Owned Banks (3)(1 listed on

NSE)

Mortgage Finance

Companies (1)

(listed on NSE)

Deposit Taking

Microfinance

Institutions (8)

BANKING STRUCTURE

BANKING SURVEY STRUCTURE

Financial Institutions (Covered 50) Banking (43)

(Including 1 Mortgage)

DTM's (7)

BANKING SURVEY STRUCTURE

Banking (43)

Category 1(5)

Asset base Ksh 150B

>Kenya Commercial

Bank>Equity

Bank>Co-op

Bank>Standard Chartered

Bank >Barclays

Bank

Category 2(7)

Asset base Ksh between

50-150B

>CFC Stanbic Bank

>NIC Bank>Commerci

al Bank Africa

>Diamond Trust Bank >I&M Bank>Citi Bank>National

Bank

Category 3 (12)

Asset base Ksh between

15-50B

>Chase Bank

>Bank of Africa

>Bank of Baroda>Prime Bank

>Housing Finance

>Imperial Bank

>Ecobank>Family

Bank>Bank of

India>ABC Bank>Consolidat

ed Bank >Fina Bank

Category 4(19)

Asset base Ksh below Ksh 15B

>Equatorial Commercial Bank>Gulf African Bank

>Development Bank>Giro Commercial Bank

>Fidelity Commercial Bank> Guardian Bank

>Victoria Commercial Bank>First Community Bank

>Habib A.G. Zurich>K-Rep Bank

>Transnational Bank>Paramount Bank

>Habib Bank>Credit Bank

>Oriental Commercial Bank>Middle East Bank>Jamii Bora Bank

>UBA Bank>Dubai Bank

DTM's (7)

>Rafiki DTM>Faulu Kenya

>KWFT>REMU DTM>SMEP DTM>Uwezo DTM

>Century DTM

TIER STRUCTURE

• Assets Above Ksh 150 Billion

• Assets btw Ksh 50-150 Billion

• Assets btw Ksh 15-50 billion

• Assets below Ksh 15 Billion

Tier I Tier II

Tier IIITier IV

By Assets

7 Banks

13 Banks

5 Banks

19 Banks

TIER STRUCTURE

TOTAL Ksh 1.7B

Tier I Ksh 804B

Tier II Ksh 470B

Tier III Ksh 304BTier IV Ksh

129B

By Deposits

Base

TIER STRUCTURE

TOTAL Ksh 1.3B

Tier I Ksh 662B

Tier II Ksh 350B

Tier III Ksh 231BTier IV Ksh

92B

By Total Advances

TIER STRUCTURE

TOTAL 1240

Tier I 651

Tier II 185Tier III

233Tier IV 171

By Numbe

r of Branch

es

TIER RANKINGS

TIER RANKINGS

Tier I15%

Tier II11%

Tier III25%

Tier IV16%

Tier III

Tier IV

Tier I

Tier II

Ranking

Assets Growth

TIER RANKINGS

Tier I9%

Tier II10%

Tier III26%

Tier IV16%

Tier III

Tier IV

Tier II

Tier I

Ranking

Loans Advanced Growth

TIER RANKINGS

Tier I12%

Tier II11%

Tier III28%

Tier IV22%

Tier III

Tier IV

Tier I

Tier II

RankingCustomer

Deposits Growth

TIER RANKINGS

Tier I-8%

Tier II8%

Tier III21%

Tier IV23%

Tier I

Tier II

Tier III

Tier IV

Ranking

Total Provisions for Bad Debt

TIER RANKINGS

TIER RANKINGS

JUDGING CRITERIA

Financial Analysis Based on Key parameters

Customer Satisfaction Survey

Tariff Survey Product Offering/Innovation

Customer Number, Branch Network,

ICT Use

JUDGING CRITERIA

70%

7%

3%

5%

5% Each

NEW DEVELOPMENTS IN THE BANKING AWARDS

2013

Bank With lowest

Charges Award

•Based on a tariff survey conducted between Feb-March 2013

Special Category: Best DTMF

Award

•Based on the same parameters used for the bank

The Tariff Survey 2013

CBK Assessment on the Sector

Banking Survey Rankings

Strategic Focuses for all the Banks

The Banking Survey 2013

THE BANKING SURVEY

Economic Analysis

FUTURE OUTLOOK

FUTURE OUTLOOK

◊ Full Year 2012 Results◊ 2013 Q1 Results◊ 2013 Q2 Results◊ 2013 Q3 Results

http://www.thinkbusinessafrica.com/

Digitalizing Our Financial Ranking's DATA

Insurance Awards: July 11th 2013

Capital Markets AwardsSep 11th 2013

Pension Funds & SACCO AwardsOct 31st 2013

OTHER EVENTS 2013