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Co-operative Bank fate.. discuss

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actuarywahisa		#561 Posted : Sunday, August 28, 2016 9:43:25 AM
Rank: Member Joined: 5/21/2014 Posts: 184		Nyahunyo nayo! ... VituVingiSana wrote: Realtreaty wrote: VituVingiSana wrote: For an example of a tightly controlled banking sector look at Ethiopia. The Ethiopian banks [no foreign ownership is allowed] are hide-bound. Some [the newer or private] use newer technology, etc or offer more services BUT overall their lending is limited to a few borrowers. In Kenya, the banks lend to a diverse group of Kenyans. Yes, not all the deals work out as the NPLs show but private banks lending to the private sector allows for an increasing share of the GDP in private hands. No need for bailouts. If private firms collapse = they collapse. Banks need to IMPROVE their lending systems/processes to identify high risk borrowers before the banks loan out the funds. They should NOT pass on the premium of poor borrowers onto good borrowers. That's what pisses off many borrowers. If the Bill becomes Law as it is... there will be consolidation since the niches served by some banks will disappear or shrink. The Bill to cut on rates and increase rates on deposits is just too new to have been the effect trying Co-op Bank. Apart from billions held in land and other properties C0-OP has a chest capital of over 300 Billions B-U-L-L-S-H-I-T There are too many opportunities all around. Open your eyes and maybe you'll spot one
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Spikes		#562 Posted : Sunday, August 28, 2016 10:40:41 AM
Rank: Elder Joined: 9/20/2015 Posts: 2,811 Location: Mombasa		obiero wrote: Realtreaty wrote: Ericsson wrote: Hiyo ya Coop ni PR stun to rescue the falling share price which is going towards penny stock/single digit levels. I'm waiting to hear next week how many people they will have given out loans at that rate.Ama inaweza kuwa ni 14.5% but flat rate wa What did you expect them to do I think we should be campaigning for Mr. Olaka to leave office as Bankers Association chair as he never led them to make changes long enough! Why do they need him then? Balance and Moderation is what Njomo was looking for in Banks having failed several times from the Times Mr Donde engineered it. Exactly.. Only 94,500 shares traded on Friday.. A slight rebound expected tomorrow Technical trap at your own peril. John 5:17 But Jesus replied, “My Father is always working, and so am I.”
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Realtreaty		#563 Posted : Monday, October 03, 2016 10:57:04 PM
Rank: Elder Joined: 8/16/2011 Posts: 2,297		Pointer in the right direction! http://www.businessdailyafrica....03834-11iwism/index.html Lets see the surge now!!!!
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alotoftalk		#564 Posted : Tuesday, October 04, 2016 1:40:01 AM
Rank: Member Joined: 8/27/2015 Posts: 138 Location: Harare		Realtreaty wrote: Pointer in the right direction! http://www.businessdailyafrica....03834-11iwism/index.html Lets see the surge now!!!! 70% of the volumes they are talking about are renegotiated loans. Further, a quick look at page 103 of the annual report [Weighted average interest rates on loans to customers per segment] and page 116 [Weighted interest rates they pay for deposits] says that the analysis does not pass the smell test. Investment philosophy development in progress...
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obiero		#565 Posted : Wednesday, October 05, 2016 9:42:31 AM
Rank: Elder Joined: 6/23/2009 Posts: 13,519 Location: nairobi		Now at KES 13.. Let the good times roll HF 90,000 ABP 3.83; KQ 414,100 ABP 7.92; MTN 23,800 ABP 6.45
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Ericsson		#566 Posted : Wednesday, October 05, 2016 11:37:05 AM
Rank: Elder Joined: 12/4/2009 Posts: 10,684 Location: NAIROBI		KCB Group is proud to be signing an agreement with CIC Insurance to manage their Sh1B staff loan portfolio. CIC has decided to shun its sister company Coop bank in favour for KCB ama what is happening Wealth is built through a relatively simple equation Wealth=Income + Investments - Lifestyle
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Ericsson		#567 Posted : Wednesday, October 05, 2016 11:38:07 AM
Rank: Elder Joined: 12/4/2009 Posts: 10,684 Location: NAIROBI		n the agreement with CICInsurance, KCB will handle the assessment and disbursement of staff loans on behalf of the leading micro insurer Wealth is built through a relatively simple equation Wealth=Income + Investments - Lifestyle
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Ericsson		#568 Posted : Wednesday, October 05, 2016 12:02:05 PM
Rank: Elder Joined: 12/4/2009 Posts: 10,684 Location: NAIROBI		"Agreement will see CIC Insurance staff enjoy negotiated loan facilities of 6%pa on reducing balance to acquire houses & cars" Wealth is built through a relatively simple equation Wealth=Income + Investments - Lifestyle
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VituVingiSana		#569 Posted : Wednesday, October 05, 2016 6:10:32 PM
Rank: Chief Joined: 1/3/2007 Posts: 18,103 Location: Nairobi		Ericsson wrote: "Agreement will see CIC Insurance staff enjoy negotiated loan facilities of 6%pa on reducing balance to acquire houses & cars" Subsidized by the shareholders. Greedy when others are fearful. Very fearful when others are greedy - *to paraphrase Warren Buffett*
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Ericsson		#570 Posted : Wednesday, October 05, 2016 10:02:12 PM
Rank: Elder Joined: 12/4/2009 Posts: 10,684 Location: NAIROBI		@VVS kcb gets a larger pool of customers to loan to. staff are more than 500 and the risk of default is low since CIC is guarantor Wealth is built through a relatively simple equation Wealth=Income + Investments - Lifestyle
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VituVingiSana		#571 Posted : Wednesday, October 05, 2016 10:32:04 PM
Rank: Chief Joined: 1/3/2007 Posts: 18,103 Location: Nairobi		Ericsson wrote: @VVS kcb gets a larger pool of customers to loan to. staff are more than 500 and the risk of default is low since CIC is guarantor KCB will only lend at 6% if CIC is putting down a [possibly an interest-free] deposit to cover the 8%. In other words, I believe CIC will place money "interest-free" with KCB which then lends it out at 6%. The 6% covers admin costs [+ a profit] for KCB to administer the loan. KCB would be better off lending to GoK [12% for a 10 yr Bond] than lend to CIC staff at 6% [when the minimum savings rate is 7%] without a "compensating balance" from CIC. Greedy when others are fearful. Very fearful when others are greedy - *to paraphrase Warren Buffett*
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Realtreaty		#572 Posted : Monday, October 10, 2016 7:30:43 PM
Rank: Elder Joined: 8/16/2011 Posts: 2,297		Expecting Bankers to announce their 3/4 estimates and how the capping of interest rates will affect the FY 2016. Will the dividends come down as the stock price or has the capping increased business hence balancing the effects of capping?
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obiero		#573 Posted : Monday, October 10, 2016 8:35:59 PM
Rank: Elder Joined: 6/23/2009 Posts: 13,519 Location: nairobi		Realtreaty wrote: Expecting Bankers to announce their 3/4 estimates and how the capping of interest rates will affect the FY 2016. Will the dividends come down as the stock price or has the capping increased business hence balancing the effects of capping? Expect a marked improvement in Q3 HF 90,000 ABP 3.83; KQ 414,100 ABP 7.92; MTN 23,800 ABP 6.45
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Realtreaty		#574 Posted : Tuesday, October 18, 2016 12:15:52 PM
Rank: Elder Joined: 8/16/2011 Posts: 2,297		How would SIB report on Coop which has its own investment kingdom securities? http://www.businessdailyafrica....420178-woiqv6/index.html I do not agree with the fake analysis that want to potray local banks being more affected next year.
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Spikes		#575 Posted : Tuesday, October 18, 2016 12:48:49 PM
Rank: Elder Joined: 9/20/2015 Posts: 2,811 Location: Mombasa		Realtreaty wrote: How wouls SIB report on Coop which has its own investment kingdom securities? http://www.businessdailyafrica....420178-woiqv6/index.html I do not agree with the fake analysis that want to potray local banks being more affected next year. These analysts taking pride in huge offices are fake. Nothing they say ever come to pass. Maybe they want to influence a nosedive in a stock so that their clients buy or their organizations/individuals to buy at low entry. Mr. market always walks against their half baked researches. John 5:17 But Jesus replied, “My Father is always working, and so am I.”
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Realtreaty		#576 Posted : Thursday, November 17, 2016 11:24:03 AM
Rank: Elder Joined: 8/16/2011 Posts: 2,297		A "SPIKE" expected on 3rd quarter Results. The stock is promising and easily to slide back to 20. No limitation to projectory just as with Safaricom.
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Realtreaty		#577 Posted : Thursday, November 17, 2016 1:02:47 PM
Rank: Elder Joined: 8/16/2011 Posts: 2,297		Habari ndio hiyo http://www.standardmedia.co.ke/...illion-profit-before-tax Now, which level/rank in the banking Kenyan banks? It could easily overthrow KCB and Equity in the near future.
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Ericsson		#578 Posted : Thursday, November 17, 2016 1:47:18 PM
Rank: Elder Joined: 12/4/2009 Posts: 10,684 Location: NAIROBI		@Obiero I salute you on your prediction of coop bank and share price appreciation Wealth is built through a relatively simple equation Wealth=Income + Investments - Lifestyle
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obiero		#579 Posted : Thursday, November 17, 2016 6:06:27 PM
Rank: Elder Joined: 6/23/2009 Posts: 13,519 Location: nairobi		Ericsson wrote: @Obiero I salute you on your prediction of coop bank and share price appreciation @Ericsson asante but mine aren't predictions. I work with inside info HF 90,000 ABP 3.83; KQ 414,100 ABP 7.92; MTN 23,800 ABP 6.45
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maka		#580 Posted : Thursday, November 17, 2016 6:50:36 PM
Rank: Elder Joined: 4/22/2010 Posts: 11,522 Location: Nairobi		obiero wrote: Ericsson wrote: @Obiero I salute you on your prediction of coop bank and share price appreciation @Ericsson asante but mine aren't predictions. I work with inside info possunt quia posse videntur
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