From H1
Equity: 67% of total income is from net interest income.
Co-op: 67% of total income is from net interest income
KCB: 69% of total income is from net interest income.
Still a huge exposure in terms of income...however consumer/retail lending exposure are all under 30% and this is where interest rates are the highest. Those who lend to big enterprises have relatively low interest rates.
Another thing is term deposit and savings accounts which attract interest rates are around 40% or less for the big banks. Margins wont be affected greatly

The game continues tomorrow. equity closing with zero supply today at 28.00. may i remind zero demand 2 days ago... at 26.75

Isn't the primary business of banks to "borrow" and then "lend" money?
The 30% from "non-interest income" is quite high. Banks can always boost it by charging 3% Commitment Fees (instead of 1%) and a lower Interest Rate.

I always get scared when I see "trading income" on a bank's P&L. Some banks eg Citibank and SCBK are good at this. Probably even CFC Stanbic. For the rest, I am not sure.

When banks "trade" they are often trading securities & forex and these traders are often young and brash [adrenaline fueled] chaps.

I prefer a bank that make money the old fashioned way. Borrow at 8% and Lend at 14%.
Yes, there is money/margin to be made from "regular" forex [buy from @VVS sell to @Aguy] with a reasonable margin but not speculating.
Yes, there is money to be made from providing LCs, guarantees, etc. Again, reasonable charges that benefit the customer AND the bank.
Yes, there are reasonable fees to be made on other ancillary services.

I do not believe banks should be making profits on ATM/Agent use be it for deposits and withdrawals. I look at ATMs/Agents as a channel that's cheaper to operate than branches.

Yes, I am old-fashioned. While you want banks with 55:45 ratio, I am happier with banks whose "other" charges are reasonable especially those for depositors and have a 80:20 ratio.

I want a bank that doesn't charge me every time I make a deposit, withdrawal, balance enquiry, etc. I don't want a bank that charges me 5% spread on forex. I want a bank who sends me [or gives me access] to statements at any time free of charge.

Some Wazuans complained about Equity, which apparently charged a fee on INCOMING EFTs. I pay ZERO on my incoming EFTs. I hate being nickled and dimed. There's no point in a low(er) interest rate loan loaded with charges for everything than a high(er) interest loan that is all-inclusive.

BTW, banks (or any business) that treat their customers well [even if not the cheapest] and with dignity generally tend to be the most profitable/sustainable.