True though DTB did very well. The Tier II banks are expanding regionally too but face a lot of competition from local banks as well as large KE banks.

DTB - KE, TZ, UG, BU
NIC - KE, TZ, (new) UG
I&M - KE, TZ, MU, (new) RW

Why would Co-op Bank [a direct competitor] offer agency services for other banks? I find that odd. I could not find an article or link for this info. Is it reciprocated?

Postbank [by law] cannot offer certain services/products like loans, etc so it makes sense for it to offer other fee generating services like being agents for other banks.

Interesting arrangement. Seems a smart move by I&M but Co-op might (should) target those same customers! As for other countries, that is tough due to laws that govern cross-border transactions!

One cannot deposit/withdraw "directly" from KCB/I&M/NIC in Tanzania from a Kenyan account. You can use the ATM which charges a fee & a crazy conversion rate.

The arrangement could work if Co-op opens an office/subsidiary in RW where I&M's BCR is #3 thus 'shares' facilities similar to Kenya.

NIC using Postbank is a smarter move coz Postbank branches are widespread with little fear of poaching customers. I like DTB's move to use agents. NIC and I&M should do the same in areas where they have a retail presence or want to grow market share for deposits.