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Portfolio Balancing: Avoid Over Exposure To Financial Sector
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obiero
#391 Posted : Monday, June 02, 2025 7:23:24 AM
Rank: Elder

Joined: 6/23/2009
Posts: 14,211
Location: nairobi
VituVingiSana wrote:
MaichBlack wrote:
obiero wrote:
MaichBlack wrote:
MaichBlack wrote:
obiero wrote:
EQTY -8%, SCBK -12%, SBIC -24% down on PBT for Q1 2025. Watch and learn

And the rest???

One can subjectively selected data to say whatever they want. List for all the banks you normally track in the other thread and their percentage increase or decrease and then tell us what you are trying to say.

You can't pick 3 out 10 banks and try to push a certain narrative while totally ignoring the other 7 surely unless you trying to be dishonest.

Flat growth? An oxymoron. I hold the right to free speech. Watch and learn

What am I learning from subjectively selected data which is an outlier

You make a generic statement about an industry and then selectively pick data for 3 and ignore data for 7 to prove what exactly??
Laughing out loudly Laughing out loudly Laughing out loudly

https://www.businessdail...in-first-quarter-5063682

KQ ABP 4.26
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My 2 cents
#392 Posted : Tuesday, June 03, 2025 1:55:52 PM
Rank: Veteran

Joined: 6/2/2010
Posts: 1,089
Given the ailing economy, flat line returns in the banking sector indicate resilience. Most other sectors including your favoured real estate are currently offering declining returns.
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obiero
#393 Posted : Tuesday, June 03, 2025 4:02:26 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,211
Location: nairobi
My 2 cents wrote:
Given the ailing economy, flat line returns in the banking sector indicate resilience. Most other sectors including your favoured real estate are currently offering declining returns.

Hi 2cents. I'm yet to see a drop in my rental income earnings but I understand what you are saying

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obiero
#394 Posted : Tuesday, June 10, 2025 5:43:48 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,211
Location: nairobi
CBR 9.75%

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Ericsson
#395 Posted : Tuesday, June 10, 2025 9:39:31 PM
Rank: Elder

Joined: 12/4/2009
Posts: 10,804
Location: NAIROBI
obiero wrote:
CBR 9.75%


Inconsequential
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
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obiero
#396 Posted : Tuesday, June 10, 2025 9:56:29 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,211
Location: nairobi
Ericsson wrote:
obiero wrote:
CBR 9.75%


Inconsequential

It's single digit baby. Hasn't been in that zone since 29.05.2023. Highly consequential

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wukan
#397 Posted : Wednesday, June 11, 2025 8:59:06 AM
Rank: Veteran

Joined: 11/13/2015
Posts: 1,653
obiero wrote:
Ericsson wrote:
obiero wrote:
CBR 9.75%


Inconsequential

It's single digit baby. Hasn't been in that zone since 29.05.2023. Highly consequential


We are about to experience Friedman's interest rate fallacy, identifying tight money with high interest rates and easy money with low interest rate. Will banks lend more when NPLs are inching closer to 18%?

What are the profitable investment opportunities balanced with risk at that 9.75% rate? Ordinary kenyans obtain credit at >1% per month so most prudent will now go into liability management which means pay down debt aggressively which effectively removing money from circulation. @obiero has given the first example, using his coop dividends to pay his expressway liabilities instead of re-investment.
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VituVingiSana
#398 Posted : Wednesday, June 11, 2025 12:37:26 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,346
Location: Nairobi
wukan wrote:
obiero wrote:
Ericsson wrote:
obiero wrote:
CBR 9.75%


Inconsequential

It's single digit baby. Hasn't been in that zone since 29.05.2023. Highly consequential


We are about to experience Friedman's interest rate fallacy, identifying tight money with high interest rates and easy money with low interest rate. Will banks lend more when NPLs are inching closer to 18%?

What are the profitable investment opportunities balanced with risk at that 9.75% rate? Ordinary kenyans obtain credit at >1% per month so most prudent will now go into liability management which means pay down debt aggressively which effectively removing money from circulation. @obiero has given the first example, using his coop dividends to pay his expressway liabilities instead of re-investment.

@Obiero amelipa madeni? Yaani, he is not in the same WhatsApp group na KQ?
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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obiero
#399 Posted : Wednesday, June 11, 2025 1:16:08 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,211
Location: nairobi
VituVingiSana wrote:
wukan wrote:
obiero wrote:
Ericsson wrote:
obiero wrote:
CBR 9.75%


Inconsequential

It's single digit baby. Hasn't been in that zone since 29.05.2023. Highly consequential


We are about to experience Friedman's interest rate fallacy, identifying tight money with high interest rates and easy money with low interest rate. Will banks lend more when NPLs are inching closer to 18%?

What are the profitable investment opportunities balanced with risk at that 9.75% rate? Ordinary kenyans obtain credit at >1% per month so most prudent will now go into liability management which means pay down debt aggressively which effectively removing money from circulation. @obiero has given the first example, using his coop dividends to pay his expressway liabilities instead of re-investment.

@Obiero amelipa madeni? Yaani, he is not in the same WhatsApp group na KQ?

Haha. Zero debt mzee wangu. I am approaching retirement. Meanwhile as Bill Graham pointed out, when the treasury bill/bond rates rise, the stock market falls and the reverse applies. This is a global truth. Thank me later

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wukan
#400 Posted : Saturday, July 19, 2025 6:49:52 AM
Rank: Veteran

Joined: 11/13/2015
Posts: 1,653
For Kenya's financing future, bank boardrooms must change urgently

Bank shareholders are not ready for this conversation, but that industry is prime for disruption.
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