low of 12.80..10 will definately be tested

That is one harsh reversal, @realtreaty doesn't sound so optimistic anymore. I beacem suspicious of this company and in extension HFCK (though i really like HFCK)

The James Mwangi - Peter Munga group is going to have a rough time in 2016.

Britam - Issues abound. Biashara is tough and in a tough economy fraud rises while insurance uptake drops.
HFCK - Higher interest rates will hurt.
Equity - Margin compression, higher interest rates, etc. Equitel is building up momentum but it faces hurdles too.

All that said... there are opportunities at the right price.

Profit warning issued- Standard pg 16 Sweetener it is.

@VituVingiSana
And having issued a profit warning for FY2015 results things are tough for the company;
--The Dande group moved with ksh.2bn worth of business for the asset management when they formed Cytonn Investments which is doing quite well.
--Interest payments on the ksh.6bn corporate bond they issued last year.
--They now have two complete buildings in Upper hill with occupancy very low i.e Former Real insurance two buildings.When Real merged with Britam the operations were combined at Britam towers.
--BAAM has hired Kenneth kaniu to be the MD;he was formerly at STANLIB and very little is known about him in terms of track record.How he performs at BAAM is unknown.
--The old club/axis of Benson Wairegi,Jimnah Mbaru,Peter Munga and James Mwangi haven't groomed any successor to take over once Wairegi retires.Wairegi is currently 68 years.The old club have maintained a tight grip and little is known about potential successor because of underhand dealings on-going which they don't want to expose.
--The exposure to Equity for Britam is too heavy currently at 20% of total assets;Equity Bank is currently facing heavy scrutiny from CBK same as HFCK.